davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
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. (NY)

I have been disputing with XXXX, Experian, XXXX and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my XXXX consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by XXXX, Experian, XXXX and the other creditors ( Financial Institutions ). 

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY XXXX, EXPERIAN, XXXX AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (TX)

I been disputing this account since XX/XX/XXXX, however, ( 1 ) the Bank has been unable to produce the documentation from current balance of {$22000.00}, as the credit card had a {$11000.00} credit line; and ( 2 ) the Bank has been unable to produce documentation in support of the aforementioned debt. I reported identity theft since the beginning as I was XXXX on XX/XX/XXXX, and unable to make charges, I was XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I been providing police report and other documents, however, the Bank reply to me with automated letters.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-04
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. (VA)

While doing my research on how I came across how to raise my score and remove negative inquires, I was able to get to know laws that are supposed to protect consumers. 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, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, 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 15 U.S.C 6802, I did not receive the required opt-out notice at the time I created the account that is being reported. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

CFPB, I've reached out to TransUnion numerous times about an account. XXXX XXXX XXXX about the negative remarks that's on my consumer report. Settled less then the full balance is considered a negative account. If the remarks aren't removed from the account then I'm requesting that they delete the account. I have rights to challenge any information list on my report.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (CA)

XXXX has reduced my credit XXXX score of XXXX to XXXX for having my XXXX  loans discharged under borrower defense after an investigation that took six years and a XXXX decision 8 months ago legal decision based on XXXX  misconduct then it further reduced my score to XXXX when I applied for a credit card and was actually denied based on their own misleading report which is kept secret. This is abusive and a deterrent to people like me who pay their responsibilities on time I think they do this due to my XXXX heritage gender and age thats illegal.
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (VA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

I reported a dispute to PayPal. I ordered a XXXX XXXX XXXX on XXXX, but was unable to see that I could not eat any of those meals until after I paid ( as they dont make the menu available in advance ). I then canceled that same day XXXX. They still charged my card on XX/XX/year>. I reached out to them but there was no response. I then issued a dispute. They claim it was not canceled ( even though I have an email of such ) and they claimed that they shipped it but they have no shipment ID or proof of shipment. 

PayPal closed it without any notification, option of appeal, or even showing that they shipped anything
Consumer complaint received 2024-06-28
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: EQUIFAX, INC. (NC)

These hard inquiries are not mine, were not authorized by me, and need to be removed. thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO. (NY)

Discrimination based on age, XXXX, possibly religion in process concerning approval at Chase home mortgage. Expressed concern over Discrimination and I was immediately retaliated against by denying my approval for a primary home mortgage snd instead they turned it in to a counter offer for a higher rate product on XX/XX/year>. XXXX XXXX and XXXX XXXX discriminated against me by ignoring the requested documents I submitted for the application and I was made to submit the same thing multiple times without response or explanation. I demonstrated enough in liquiditable assets to cover the entire application balance I applied for so the only possible explanation is discrimination based on XXXX and age.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation (TX)

I own a company and a collection company - Regional Financial continues to call my business trying to collect a debt from one of my employees. 

I do not know the debt but they call repeatedly after being told to stop. 

It is a business line.
Consumer complaint received 2023-11-15
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. (CA)

I have 4 accounts on my EXPERIAN credit report I disputed XXXX ago and they have not been removed. I have privacy rights. 
I just spoke to very kinda agent, XXXX who said it would take 30 days and by law they have XXXX hrs which has already pasted from my first dispute filed online. I sent the following message as well telling the agent on a recorded line. I di let him know the window is XXXX hrs for recording purposes. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S. Code 1681s2 states I have the right to privacy right to privacy 15 u.s. code 1681 section 604 section 2.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. It also states a consumer report agency can not furnish an account without my written instructions under 15 U.S. Code 1681b, a creditor may not treat a payment on a credit card on an open end consumer credit plan as late for any purpose ; - Permissible purposes of consumer reports. 15 U.S. Code 1666b - Timing of payments.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CATHAY BANK (CA)

I have received similar messages from Cathay Bank, although the dates on each one are different. 
So far, Cathay Bank hasnt addressed the extra issues. They didnt respond to the additional information I provided. They also havent given any supporting documents. 
Despite my efforts to provide more information, Cathay Bank has failed to address the information given. This lack of communication not only makes resolving issues difficult but also reflects poorly on the banks dedication to addressing consumers concerns promptly. Another vital aspect of transparent banking is providing supporting documents to clarify information. 
The absence of such documents from Cathay Bank only adds to existing doubts and leaves customers uncertain about their financial transactions. 

I am contemplating whether arbitration will be efficacious?
Consumer complaint received 2023-11-15
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NAVY FEDERAL CREDIT UNION (ME)

Navy Federal Credit Union is egregiously slow in processing my XXXX benefits. I have made every payment on time. I get paid on the XXXX and the XXXX and my mortgage wipes out the entirety of my first paycheck. I contacted Navy Federal to start paying half on the XXXX of the month and half on the XXXX of the month and they were unwilling to work with me, a customer of 16 years.
Consumer complaint received 2024-02-09
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (TX)

I tried to borrower {$3000.00}. I was directed to this site and it initially said 3-35.5 % interest. When I filled out the loan app it came back at {$2500.00} for 35.5 % interest. I agreed because I knew I was paying it off with my XXXX paycheck. When I received the contract to sign, the interest rate was changed to 538.42 %!!! The re-payment schedule was {$510.00} bi monthly for the next 16 months! A total of {$16000.00} to borrow {$2500.00}! The BIGGEST issue to me is that I was quoted 35.5 % interest. NOT 538.42 %! What if I had just trusted them and signed without reading the fine print and all documents? I did NOT sign but wanted to report because I feel strongly that this is predatory lending!
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint against TransUnion : I am experiencing ongoing issues with TransUnion 's website that prevent me from accessing my account and utilizing their free credit freeze services. Specifically : The website consistently fails to recognize my valid username and password. 
After resetting my password as prompted, the login page remains non-functional. 
The online chat service only provides automated responses and does not connect me to a human agent for assistance. 
I have had to fix my username and password multiple times in previous years, indicating a recurring issue. 
These technical problems are preventing me from thawing my credit for free, a service TransUnion is required to provide. 
I have followed all troubleshooting steps provided by TransUnion, but the issues persist. The difficulty in accessing the free credit freeze services, contrasted with the availability of paid services, appears to be an unethical practice. 

These ongoing website malfunctions are causing significant inconvenience and potentially harming my ability to manage my credit effectively. I believe this may violate consumer protection laws that require credit bureaus to provide free and accessible credit freeze services.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION (MS)

The Company has purchased a fraudulent account from penfed credit union with whom Im already fighting against about the errant and fraudulent account they have let a scammer put in my name I have already been advised by XXXX that my information is exposed on the Dark Web and my emails and address etc.. this is horrible Im out of faith as bd energy to get these credit companies especially penfed to stop harrassing me and Security Credit Services as I never ever owned, opened any account with them. XXXX sold this account thats been fraudulently open in my name to tha company in XXXX Mississippi lease help me to get this dissolved and removed.
Consumer complaint received 2024-09-06
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: CBC Companies, Inc. (IL)

These inquires were made without my knowledge or consent, and as such, I request that it be promptly removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (ND)

Last Friday, XX/XX/2024 my buddy sent me {$850.00} via Venmo. It showed up in my account like normal however, as soon as I tried to make any transaction whatsoever, I tried to transfer it to my debit card on file and which Ive done before I tried to buy cryptocurrency I tried to send it to my friend so he could try another way to give me the money, however, I was stopped multiple times with fail transactions when reaching out to Venmo support, they took an extensive amount of time to get back to me and when they did, they let me know that he needs to verify my identity so I did and instantly to make transaction however they froze my account again I went through the process again to get my account unfrozen and the transactions that I tried to make once my account was unfrozen just last night XXXX XXXX I was not able to make any transactions so my money has been stuck in this account since I received it and nobody over there can tell me why or what the reason is just a system flag so I can however make a standard transfer which could take up to five days that is ridiculous. As I mentioned to them I was traveling and I needed the funds when matter why I needed the funds.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXXXXXX XXXX XXXX account was never late. The account should be updated to show it was never late or removed. Requested proof of late payments. none could be provided. 
I provided bank statement proving banking errors to company with no response. Account number XXXX
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BlueChip Financial (FL)

A individual claiming to be a mediator for a company I did business with years ago and paid the debt off, contacted me. He claimed to be with XXXX XXXX XXXX XXXX attempting to resolve a civil complaint against me out of court. Their phone number showed up as XXXX. 

When I stated the debt I had with the company he supposedly was representing was paid off, he said he didn't know what to say because he had the information in front of him. I asked for written documentation, and he said I received it in XXXX. I disputed this because the loan was never originated until XXXX, so I knew his claims were false and he was trying to scam me out of a lot of money. I asked once more for documentation and the question was ignored. 

I also asked for his license number, since he is supposed to provide one if he is a legitimate debt collector. He stated he didn't have to disclose that information to me. Then the line went silent and he hung up on me.
Consumer complaint received 2024-08-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc. (CA)

I tried making my payment using my debit card twice on avont.And it canceled both payments and never tried to charge my card. I then changed my payment method and now it is Not processing the payment until XXXX when it says on their page it will be the next business day. This is not the first time. They have an obligation to accept the payments tgey say they do. 
15 U.S. Code 1637 - Open end consumer credit plans 15 U.S. Code 1666a - Regulation of credit reports