davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
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. (MN)

The Fair Credit Reporting Act, 15 USC 1681 section 602 a, explicitly states that consumer reporting agencies must treat their duties with 'fairness, impartiality, and a respect for the consumer 's right to privacy. ' As the Consumer, it is my right to ensure that my private information is not shared, as supported by 15 USC 6801, which outlines each financial institution 's obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information.

Under 15 USC 1681 section 604 a section 2, 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' I have not given my written consent for XXXX XXXX XXXX, XXXX, and Experian, to share my information. Any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that 'a financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' XXXX XXXX XXXX never informed me of my right to opt-out of information sharing. 

XXXX and Experian 's reporting practices violate multiple sections of the Fair Credit Reporting Act, including 15 USC 1681C ( a ) ( 5 ), which stipulates that no consumer reporting agency may include any adverse information without the consumer 's permission. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the sharing of inaccurate information, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures. 

I am exercising my right to opt-out of XXXX XXXX XXXX reporting services, per 12 CFR 1016.7. This reporting agency has not demonstrated reasonable procedures and is failing to uphold the Fair Credit Reporting Act. Therefore, I object to the continued sharing of my personal information.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

I bought the visa gift card at XXXX  on the XXXX of XXXX. i attempted to purchase something online but the card was declined. shortly after waiting weeks it never got off hold and couldnt be used for online and in person transactions
Consumer complaint received 2023-06-21
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. (TX)

XXXX XXXX XXXX REFUSES TO HONOR THE WORLD RDS OF THEIR EMPLOYEES WHEN THEY SAY WE WILL REMOVE THIS FROM YOUR CREDIT REPORT. THIS PAYMENT WAS FOLLOWED BY A PHONE CALL TO EXPLAIN I HAD JUST HAD COVID AND THATS THE REASON I WAS LATE. I ASKED FOR THEIR SUPPORT OF THE COVID 19 CARES ACT SINCE I CALLED AND COMMUNICATED THE ISSUES. ITS NOT LIKE IM LATE EVERY WEEK. INSTEAD XXXX TIME WITH COVID 19, WHICH MUST MEAN NOTHING TO THEM.
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

The letters are stated with items and issues. 

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 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Good day, I've been doing my research because you keep ignoring my complaint. I was making my payments on time and I have raise this since then. you can see my credit report and I'm making payments on time but why did you ignore me even I tried to explain myself. I had XXXX back on XX/XX/2022 and I miss just one payment. please hear me out have this last reported on my 2 accounts remove that appears on my letters **CARES Act** *If you are current on payments and make special arrangements, creditors must report the account as current. 
*If you were already delinquent on payments and you make special arrangements, your account will be reported as delinquent until you bring it back to current. 
*Late and missed payments CAN NOT be reported if you have already made arrangements. 

I HOPE THIS TIME YOU CAN START READING IT
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of 2016, we opened a Chase Sapphire Reserve credit card with an add-on spouse card. The reason we opened our account was the perks and benefits promised for travel. XXXX of the most coveted perks was accessibility to airport lounges through the free XXXX XXXX offered with Chase. Initially, we had no problems and really enjoyed this benefit. The annual fee was {$550.00} plus and additional {$75.00} for the spouse card. It has since gone up to {$650.00} plus the {$75.00} annually. We have had no issue with paying this high fee since we felt the perk of being able to relax in the XXXX XXXX lounges before our flights were exceptional. A few years ago, we started noticing the lounges that contract with XXXX XXXX began limiting PP members. Many times we were unable to get in due to " capacity restrictions on PP members. '' Today I went in to check PP lounges available at XXXX for an upcoming flight next week and was shocked to see there are NO Priority Pass lounges at all in XXXX XXXX. I checked XXXX, NY and a few others and there were none. However, the XXXX XXXX website has a long list of XXXX XXXX XXXX. When lounges weren't available, a backup food allowance perk at certain restaurants was given. A simple lounge search on the XXXX XXXX website shows airports with lounges but the app does not show the same list. Total bait and switch. 

I have contacted Chase several times trying to find out why this has happened without resolution. Chase is still advertising this perk with their credit card however the perk is mostly unavailable. This is a real issue for me and my spouse. We feel duped and lied to, the benefits promised have been GREATLY reduced. We feel too many credit cards began offering XXXX XXXX that the lounges put in restrictions but Chase continues to advertise this perk. 

Is there something we can do?
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX to look at a vehicle. The tech drove my car a XXXX XXXX Escape XXXX and stated that I had a transmission problem and they could have their technician would take a look at it. I showed them my drivers license. 
I drove the vehicle that I was looking at and a red engine light came on. I said no to that vehicle and drove my car home. 
I did not give my consent for the dealership to run my credit report. 
I did not give my consent for the dealership to find me a loan. 
Within three days I started receiving letters from banks stating they wouldn't loan me any money. 
XXXXXXXX XXXX  XXXX XXXX XXXX HARD INQUIRY on my credit report XXXX. XXXX XXXX -- -- -- -- -- -- -- HARD INQUIRY on my credit report XXXX. XXXX XXXX XXXX -- -- HARD INQUIRY on my credit report XXXX XXXX Bank -- - DENIAL LETTER soft Inquiry XXXX. XXXX XXXX XXXX -- XXXX XXXX soft inquiry XXXX. XXXX XXXX -- -DENIAL LETTER soft XXXX XXXX. XXXX XXXX -- -DENIAL LETTER soft XXXX XXXX. XXXX XXXX Bank -- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Bank -- - DENIAL LETTER Soft Inquiry XXXX. XXXX XXXX XXXX -- -DENIAL LETTER XXXX. XXXX XXXX  -- -DENIAL LETTER I tried disputing all these inquiries through Trans Union XXXX XXXX and XXXX XXXX XXXX XXXX and they said I'm not allowed. I tried calling all the banks and they said no can't help you unless you have a account.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I had a Chase Sapphire card with Chase since XXXX. We had over XXXX travel points my wife and I were planning to transfer to a third party site to book a hotel for our upcoming XXXX  trip ( XX/XX/XXXX ). On XX/XX/XXXX, I was told by a Chase representative we need a Chase Reserve Sapphire or Chase XXXX Sapphire card, as opposed to by standard Chase Sapphire account, in order to transfer the points to the third party site. The Chase representative told me she could covert my standard Sapphire account to a XXXX, but she could not honor the new customer XXXX point bonus offered by Chase. I was told that if i closed my Sapphire account, though, I could apply for the XXXX or Reserve Sapphire accounts. I did and was denied credit due to an existing " Sapphire '' account. I called back and was told by another representative that I would have to wait 24 hours for the old Sapphire account to be removed. I waited and reapplied, but was denied credit for the same reason ( existing Sapphire account, which now showed " closed '' under my XXXX account ). I called again today, XX/XX/XXXX and was told I had to wait XXXX business day after my account was closed. Since it was one business day, I went ahead and reapplied. This time I was denied because I applied for credit too many times. I called Chase again and requested a XXXX who said he would file a " formal '' complaint on my behalf. Nevertheless, that was his only remedy since he could not reopen my old Sapphire account and/or covert it to a XXXX XXXX account. I was told I have to wait 45 days, not 24 hours or 1 business day. I was told different information by several Chase representatives, which now jeopardizes our XXXX  trip that we needed to points to book at the hotel we were planning to stay at. At this rate, in 35 days I will undoubtedly be unable to secure the hotel room or even inferior hotels with out hard earned points based upon the bogus information I received. I would like additonal help in this situation as Chase appears unable to help.
Consumer complaint received 2023-06-07
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-20
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. (TX)

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. 

The letters are stated with items and issues. 

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 2023-06-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

account takeover fraud, ID theft, etc previously resolved with local police, FTC & iC3 per links below XXXX XXXX XXXXXXXX? XXXX XXXX XXXX XXXX XXXX please update to XXXX  balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months ) XXXX & XXXX
Consumer complaint received 2023-06-20
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. (WA)

I reviewed my credit in XXXX and noticed there was a credit card in my name for XXXX XXXX XXXX  and promptly called XXXX XXXX XXXX to advise them that there was fraudulent activity, and they advised they'd send a letter in the mail to resolve. They verified that it was fraudulent activity ( incorrect address, phone, etc. ) was used to open the credit card. I did not receive their letter to resolve. 

I am now trying to buy a home and it was flagged to me by the mortgage lender beginning of XXXX that there was a credit card by XXXX XXXX XXXX that was under my name. I promptly reached out to the credit card company again and let them know that I did not apply for a new credit card, and needed it removed immediately. Escalated to a supervisor to see if I could get an email with this information, they declined and advised I needed to receive the letter via USPS. I just received in the mail today and am inputting my request to be removed. It is reflecting on my credit report as a dispute and will prevent me from getting the lending I need ( FHA ). 

So, in short, I notified XXXX XXXX XXXX and they've confirmed it was fraudulent activity, that they've determined the application received is potentially fraudulent, and they've removed the application and stated it will not be processed further. I do need the action removed from my name and permanently deleted from any record as soon as possible, please. 

Fraudulent activity should be easier to resolve directly with organizations. 

XXXX
Consumer complaint received 2023-06-20
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX - XX/XX/XXXX Transferred, closed. {$22000.00} - # XXXX XXXX XXXX - XX/XX/XXXX - Collection Account {$4400.00} - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Collection Account - {$950.00} - # XXXX XXXX XXXX XXXX XX/XX/XXXX - Account Charge Off - XXXX - {$270.00} - XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an Account without my written instructions.
Consumer complaint received 2024-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

The consumer received correspondence of account closure XX/XX/year>. Consumer social security number was used for actual cash value to access consumers unlimited credit. The consumer under 42 USC 408 was violated. The consumer has information reported from Bank of America to a third party XXXX XXXX which denies consumer access to portion of unlimited credit.Consumer falls under 18 USC 8 in regards to said debt reported.Due to this reporting the consumer has been denied access to consumers portion of unlimited credit 15 USC 1611.
Consumer complaint received 2023-06-20
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XX/XX/2023 - Unauthorized Inquiry XXXX XXXX XX/XX/2023 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-06-20
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-06-20
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: FORD MOTOR CREDIT CO. (CA)

On XX/XX/2023 I went into XXXX XXXX of Ford to see about the possibility of purchsing a vehicle. I did sign a piece of paper that XXXX XXXX Frod will ask for identification to confirm how I am and that is all I signed, once. Also staing that it is XXXX XXXX Ford I am applying for a car loan with. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan offer I finally got up and went home. When I returned home I seen that there are seven other banks on my XXXX  account that says I applied for credit with them. So I did make a report to the Office of Attorney General of Califronia and when I received a mailing from The California Office of Attorny General in the mailing it shows that XXXX XXXX had slipped two other documents that I was not shown on XX/XX/2023. On the second page labeled XXXX Dealer Track it shows that I aggree to submit this application and any other application to other banks that XXXX XXXX Ford XXXX decloses to me. I was not told of any other bank my word of mouth nor by paper work. I find that what XXXX XXXX did was decietful into doing one thing, that is to demolish my credit report with numerous babk loans. bank loans that I did not authorize may i remind you. I have been denied credit from what I believe is from the inquiries. On document labled XXXX XXXX it shows that that XXXX XXXX statements does not show he was checking another bank.
Consumer complaint received 2024-10-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This concerns an auto-loan with Bank of America XXXX 

Since taking on this loan XXXX years ago, we have paid via Bank of America 's XXXX XXXX XXXX feature. Through that option, we have been making automatic payments from XXXX of our current accounts with another bank. 

For reasons unknown to us, the automatic payment was not made on XX/XX/XXXX. The current account from which the Bank of America autopay had been drawing has more than sufficient funds. It looks like the system simply did not carry out the scheduled payment. 

After receiving notice of a delay in payment and the levying of a late fee, we looked at the Bank of America account, and our " XXXX '' had been removed. It is simply not there. 

This is the XXXX  time we have experienced this with BoA. Last year the " autopay '' instructions on our credit-card account with the bank did the same thing. The bank eventually waived the fee. But it took several hours of our time to resolve this.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (MN)

I am a victim of identity theft and have never applied for or opened any checking, savings or credit card account with PNC Bank because I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX