davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally 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 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 1681 c. ( 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 2024-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

On XX/XX/year>, there was a total of 4 unauthorized transactions made with my cash app card. When i noticed the transactions from the app I immediately contacted cash app 's customer service and notified them that my wallet and cell phone had been stolen and all transactions pending were unauthorized. The cash app specialist explained to me that nothing could be done until transactions were finished pending and posted. XX/XX/year>, I made another call to cash app and made a total of 4 disputes, closed my debit card, and ordered a new card having it shipped to my billing address. Even though I previously called and notified costumer service of the unauthorized transactions prior to them posting I was still denied. XX/XX/year>, at XXXX XXXX  4 transactions for XXXX at XXXX XXXX in XXXX California which the last transaction failed. Later the same day at XXXX XXXX  two transactions for the amount of XXXX were made at XXXX in XXXX California which only XXXX succeeded. A total of XXXX was took from my account. I attempted to dispute those transaction four times and was always denied. Approximately one year later I demanded cash app to show me proof of a proper investigation which was never honored.
Consumer complaint received 2024-10-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: SANTANDER HOLDINGS USA, INC. (OH)

Last Monday I went to the dealership after receiving messages multiple times a day to purchase a vehicle. Even though it was not what I wanted and my emotional status is vulnerable due to XXXX I just wanted the calls and texts to stop. I sat at the dealership for over XXXX hours dealing with a pushy sales man who kept requesting my phone when I said I didn't have it he tried to get my personal information to login from his computer for a review, which he eventually got access to my phone and wrote himself a raving review. When signing the paperwork I was rushed through and confused and tired. I didn't even get my set of the paperwork until the next day because my spouse and I had to email and call them repeatedly for the information. After thoroughly reviewing I felt I was lied to and wanted to end the loan/contract before it was funded. My spouse and myself was told we can not do this and now no one will respond to the request. They've ignored my texts and emails and this is against the law and they've done this before.
Consumer complaint received 2024-10-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (AZ)

I have been receiving multiple calls per day from this company who incorrectly lists the account as an open account where they are the original creditor this is false and violates the fair credit reporting act. They said in my original complaint that they would provide written information which they have not. Furthermore they continue to harass me multiple times a day using multiple numbers on an autodialer after they claimed to have removed me from the call list.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive just recieved my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. And in accordance to the FAIR CREDIT REPORTING ACT, XXXX account # XXXX, XXXX, XXXX, XXXX, XXXX, and as well as a fraudulent address XXXX XXXX XXXX XXXX XXXX, IL XXXX has vio ; ated my rights 15 USC 1681 602 A states i have the right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns i can be reeached at XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (NY)

After a period of a few years operating and having scheduled activity from my US Bank checking account, I was notified from them via mail that my account was being placed in a dormant status and would begin to be charged additional fees because there wasn't any ad hoc user-initiated transfers/payments. 

Opting instead to close my account, I began the process. I withdrew all my money from the account, which according to their letter, should have removed the dormant status, and called to request a CSR make my account active status so it could be closed. It's not possible to close accounts in dormant status according to US Bank.

The form the CSR submitted resulted in an exception, and I was not notified. The account stayed in dormant status. I only found out because I called a week later to confirm that it was closed. 

I escalated to a manager and after an hour or so they were able to put me in a queue manually to get the dormant status removed. 

Two weeks later I get a push notification on my phone and apparently the issue is not yet resolved because my checking account is still open. I call and they have XXXX records of the manager action putting me in a queue. 

I am speaking currently to XXXX XXXX she claims it's again being escalated to a CS Manager, this time named XXXX XXXX She claims XXXX should be giving me a call back to resolve my issue. I'm not holding my breath.
Consumer complaint received 2024-10-14
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: LEXISNEXIS (TX)

I have some creit inquires that are fraud and I did not authorize. I will fill out a ID Theft form but these inquires need to be deleted. 

Inquiry details XXXX XXXX  ( Finance ) XX/XX/year> XXXX A ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX  XXXX ( Bank ) XX/XX/year> XXXX ( XXXX ) XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXXI XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX
Consumer complaint received 2024-10-14
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: CITIBANK, N.A. (MS)

On XX/XX/year>, I received alerts from XXXX XXXX that two hard inquiries occurred on my credit around the same time. One was from " XXXX '' through XXXX. The second was from " CITIBANK., BEST B '' through XXXX XXXX I did not apply for credit accounts through either one of these. Apparently, someone has tried to open what looks like two credit card accounts using my social security number with these two retailers : XXXX and Best Buy. I have already contacted XXXX to cancel the card, but I am currently trying to notify Best Buy. I have not been able to contact the right people about the matter.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (DC)

I entered a loan agreement for furniture with acima. The loan agreement states I could return the furniture at anytime without penalty in XXXX I contacted acima to try and return the furniture due to financial hardship and they requested I take pictures and send it to them which I did they then said I needed to find a charity and donate the furniture to the charity then send them the receipt showing I donated it. This was not in the contract I even asked acima to come get the furniture and they could donate it themselves they refused. In XXXX acima reported on my credit report I had a delinquent account with them and I owed money which caused my credit score to drop XXXX points and has hindered me from obtaining credit elsewhere. The agreement states I could return the furniture at anytime without penalty upon me trying to return the furniture they refuse to take it and messed up my credit
Consumer complaint received 2024-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

I am filing a complaint due to the refund I should have received concerning being misled by the XXXX XXXX XXXX XXXX and Navient, for who I received a loan when it was with XXXX XXXX XXXX. 
I filed a grievance through " Brower 's Defense '' in XXXX of XXXX and won my case in XXXX. The remainder of my loan was adjusted on XX/XX/XXXX. I wasn't aware that I could file a grievance. I had been under forbearance or some type of repayment plan from XXXX to XXXX. After I won my case, I asked Navient about a refund. They told me I needed to speak to Studentaid.gov. I reached out to Studentaid.gov and I was told that I needed to talk back to the issuer of the loan. I contacted Navient again and was then advised again to speak to Studentaid.gov. At that point, I felt like I was getting the runaround so I filed a complaint with Studentaid.gov. I received a confirmation email on XX/XX/XXXX that my case will be reviewed and I will get a response soon. The last time I heard from Studentaid.gov was on XX/XX/XXXX stating my " Borrower Defense application is under the XXXX XXXX XXXX settlement. '' They provided me with another case number and told me that their " team is working on reviewing your account and processing your refund. '' I have sent them 3 to 4 emails since then. The last email to Studentaid.gov was XX/XX/XXXX. Therefore, I do not know the status of my refund because Studentaid.gov stopped responding to me. I don't know if it has anything to do with the new lawsuit against Navient.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CLGF Holdco 1, LLC (CA)

I STILL HAVE INQUIRIES THAT ARE OLD FROM XXXX SHOWING UP ON MY CREDIT REPORT AND THEY SHOULD HAVE BEEN ERASED BY NOW, PLEASE HAVE THEM REMOVED
Consumer complaint received 2023-03-17
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : Untitled Account XXXX has violated my rights. Or list of inquiries 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.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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : Untitled Account NumberXXXX has violated my rights. Or list of inquiries 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 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX is a fraud. They will steal your money and fake anything. They will hang up on you. Ignore your calls and be argumentative. Theyre now using my credit report improperly, checking accounts are not allowed to be reported to XXXX or XXXX
Consumer complaint received 2024-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I sent the company a validation letter asking for a copy of the signed contract with my signature and a copy of my ID or driving license for proof that I own that debt. I waited past the 30 days and they still haven't shown me or gave me the proof that I asked for they still reported it to my credit report, without the proof that I asked for.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (WI)

This is XXXX XXXX, Huntington had debited my account for {$2200.00}, my account was closed and the balance or these funds was not returned to me, I am writing to request that the {$2200.00} be returned to the rightful owner ( Me ), so that I may have access to the funds.

I have tried calling, emailing, and chatting, and no one will tell me why huntington had debited these funds or would not return them. 

I would like these returned or steps to take to get these back
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. ()

We have been receiving calls from supposably Chase Bank, that my wife applied for a credit card, which she has not done at all, they stated the last four of her Social but would not give me all the numbers when I asked them. These calls have been going on for XXXX days, I called XXXX and they told me how to block the number, XXXX of the features our phone has among others, which I did, they told me they were going to approve it even though we never approved it at all, so we want this people to stop calling our house. 
The number that they are calling from is XXXX.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (OH)

Starting in XXXX, the automatic payment switched from minimum to full statement balance. Discover can not tell me how this happened. When I called in, they said to do a stop payment with my bank and then pay the minimum when credited. I requested that automatic payment be set to the minimum. They said they would fix it, but they did not as it occurred the next month. 

They then closed the account. Nobody reached out to explain the situation. 

For many months before XXXX, the automatic payment was set correctly to the minimum. They can not explain how this got switched.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NC)

I am writing to formally address the ongoing issue regarding my request to opt out of credit reporting in accordance with 15 USC 6802, which outlines the following : ( a ) Notice Requirements : A financial institution is prohibited from disclosing nonpublic personal information to any nonaffiliated third party unless a compliant notice has been provided to the consumer as per section XXXX of this title. 

( b ) XXXX XXXX : A financial institution may not disclose nonpublic personal information to nonaffiliated third parties unless : The institution clearly discloses in writing ( or electronically, as allowed by section XXXX ) that such information may be shared. 
The consumer is provided the opportunity, prior to any disclosure, to opt out of such sharing. 
The consumer is provided clear instructions on how to exercise this option. 
In compliance with these legal provisions, I sent a formal letter exercising my right to opt out of credit reporting. However, in response to my previous complaint, Amazon falsely asserted that I do not have the legal right to protect my credit from their reporting practices. 

In addition to my opt-out request, I also revoked all security agreements and revoked the power of attorney that had been granted to Amazon, both in writing. Despite this, Amazon 's response was misleading and included the following false statement : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be shown in your credit report. There is no option to opt out of credit reporting. 

This claim is factually inaccurate and misrepresents my legal rights under the applicable federal statutes. I have enclosed a letter from XXXX XXXX, which I believe constitutes fraudulent misrepresentation, breach of contract, and breach of fiduciary duty. I respectfully suggest that this matter be referred to the Department of Justice for further investigation.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC (SC)

I paid XXXX credit card bill with my bank debit card. XXXX credit limit was not released as the credit card company said I did not use guaranteed funds. They then asked me to send proof that my bank paid the amount which I faxed to the company. I owed up with a call verify their received my documents and was told it would take XXXX days to process. I then called again and was told it was still being reviewed. I then asked to be connected to a supervisor. Once I was connected to a supervisor they said they would need to review the documents. I explained the time frame in which I had waited. I then asked to speak to a XXXX. I was told a XXXX would have to call me back.. I've waited more than 30 days and have only been in touch with a supervisor as the XXXX time I received a call back I missed the XXXX credit limit still has not been released and no documentation has been received stating why. According toy credit report my payment has been made. But the credit card company has no credit limit available as that does effect my credit utilization history.
Consumer complaint received 2024-10-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Sensible Auto Lending, LLC (CT)

SENSIBLE AUTO LENDING The Creditor Closed The Account and Is falsely Claiming That {$1.00} Is Uncollectible. Creditor Will Not Accept My Payment. This Is A Small Amount, And When I Pursue it. No Information Is Given To Me, Someone That Is Dealing With The Account Just Hangs Up On Me.
Consumer complaint received 2024-10-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

On XX/XX/year>, Portfolio Recovery Associates sued me for a time barred debt in the amount of {$2700.00}. I paid my debt years ago, however, it's been so long that I no longer have those records. In Arizona the statute of limitations is 6 years to collect on a debt like this. 

" XXXX. Contract in writing for debt ; six year limitation ; choice of law A. An action for debt shall be commenced and prosecuted within six years after the cause of action accrues, and not afterward, if the indebtedness is evidenced by or founded on either of the following : 1. A contract in writing that is executed in this state.

2. A credit card as defined in section 13-2101, paragraph 3, subdivision ( a ). 

B. If there is a conflict between another jurisdiction and this state relating to the statute of limitations for a debt action as described in subsection A of this section, this section applies. 

I fervently believe that this is an illegal, fraudulent and deceptive attempt to defraud a senior citizen! 

PRA has never ONCE attempted to contact me in those 6 years! I demand proof, signed by me, of contact regarding this issue. You, CFPB, fined PRA {$24.00} million LAST year for these same behaviors!

PRA has been successfully sued by other victims for these same things! I will be doing the same!