davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
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. (MI)

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.

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 informationisinaccurate.
Consumer complaint received 2024-01-08
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: Experian Information Solutions Inc. (PA)

I have multiple inquires i did not recognize him my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I called all bureaus to get these off and they told me i have to verify i did not open them. None of these inquires are connected to none of my accounts on file. 15 usc 1681 right to fair credit reporting
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SLM CORPORATION (IN)

2 Private Student Loans via Sallie Mae Opened XXXX Joint account with XXXX XXXX Date of last full payment : XX/XX/XXXX Issue : CRA state items will remain on report until mid XXXX. 

This is NOT congruent with reporting guidelines. This would be 2 years beyond FCRA guidelines.

Fall Off Date should be XXXX XXXX. 

This is an easy fix.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC (FL)

Please consider this as my refilling complaint to the REVVI-XXXX XXXX  for allowing the fraudulent accounts and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/year>, with the identity theft report number XXXX.They allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Compliance with FCRA 605B entails removing any inaccurate accounts from my credit report. Could you please verify the documents? There are inaccuracies in the reporting of several listed accounts. Compensation of {$1000.00} is required for each erroneous entry on my credit file.
Consumer complaint received 2024-05-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (FL)

I was renting an apartment with the company called XXXX in XXXX. They are a major apartment rental company and control many properties throughout the U.S. When I moved out, they sent a bill for {$6400.00}. I disputed that bill but ultimately ended up paying it even though I did not agree with all the charges. I wrote a check to the company for the full amount using my tax refund and a loan from family and friends. 1 week later, the check was cashed by the company. I was never contacted about it again until last month which by this time was 1 year later. I paid the bill in XXXX of XXXX and was contacted about the same bill in XXXX. I told them that I paid it and even showed them the proof that they took the money from my account in the form of a bank statement. They said they would investigate and get back to me. They never did, they sent it straight to collections which will now negatively affect my credit. On the XXXX XXXX XXXX website, people have posted similar things happening to them. They are using predatory tactics and selling peoples information to debt collectors even after receiving money.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (WV)

In mid XXXX I contacted Discover Card requesting a change in the name of the business for the account opened in XXXX from XXXX XXXX XXXX XXXX  XXXX XXXX. They were provided all information requested and I was told new cards would be provided. Several weeks later, the three ( 3 ) cards arrived by mail, and I called the number provided to activate and was told activation was approved. An attempt to use one of the cards in XXXX and it was refused. I contacted Discover by phone on XX/XX/XXXX and spoke to XXXX who told me account had been closed. She stated a letter was sent to me in XXXX explaining the closure. I told her I had never received any letter. She said an email to my secure inbox on the account had been sent. I explained I was never able to open it. I asked her to explain the reason for the account closure and she stated she was unable to do that. She offered to transfer me to their tech department for help in opening the notice in my secure inbox. I spent over XXXX minutes with their tech department, and they were not able to assist in opening the email. As a customer with the account for 15 years and never a late payment they are holding my business captive and refusing to provide information as to why the account was closed. I want the account re-opened immediately and provide me reasons for closure to allow me to complain further that their actions are harming my ability to use the card!!
Consumer complaint received 2024-06-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Global Lending Services LLC (GA)

My XXXX XXXX XXXX loan was established in XXXX with Global Lending. In XXXX of XXXX I was advised that my loan contract ended in XXXX of XXXX but because I had XXXX deferred payments it extended my contract! I was advised then I had 80 days to pay XXXX I continued to make payments and asked then would my car be repossessed, I was told no. I have made payments and added more to my payments since XX/XX/XXXX. In XX/XX/XXXX my credit reporting company advised changes which was auto loan balance XXXX charge off. My title has not been issued and receive no information in writing regarding a repossession prior to XXXX XXXX when my car was taken. Global Lending states I still owe XXXX but payment history says XXXX but had made approximately XXXX or more since I was quoted XXXX in XX/XX/XXXX. They have repossessed my car illegally and are demanding XXXX by XXXX XXXX or it would be auctioned.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IA)

I have submitted 3 or more complaints regarding unauthorized transactions on my debit account with U. S. BANK, which did not have sufficient funds to complete transactions. Although it was my understanding that DEBIT meant " only successful in transactions for money in account '' that if there wasn't enough money to completed payment, then transaction HAD TO BE DENIED FOR NON SUFFICIENT FUNDS. But USBANK 's response to my issue was, " on mobile app ONLY, the permission to allow overdrafts is defaulted TO ALLOW... on debit account. I FEEL THAT IS INTENTIONAL FRAUD FOR FEES INCURRED BY THESE NON SUFFICIENT FUNDS TRANSACTIONS. So I immediately opened mobile app and after digging extremely deep into account permissions, I finally found and deactivated the allowance of INSUFFICIENT FUNDS transactions being processed. Us Bank reversed the transactions from XXXX  XXXX XXXX XXXX, XXXX, AND XXXX, removed penaltly fees and put my account bank into positive balance. BUT THEN US BANK IMMEDIATELY ALLOWED SAME COMPANIES, XXXX, XXXX, XXXX, to process SAME TRANSACTIONS. My denial of overdraft permission WAS COMPLETELY IGNORED. This was 2nd complaint w CFPB I filed in USBANK. CFPB kicked it out as a duplicate. UsBank was misunderstanding my complaint. The overdraft default edit to NOT ALLOW, should have been enough defense. And the fact that CFPB closed my cases claiming duplicate and now I read on CFPB website that USBANK is on the list of banks WHO DO NOT CHARGE OVERDRAFT OR NSF FEES. I HAVE A REPORT OF ABUSE ON MY CONSUMER REPORT FROM THE {$130.00} IN FEES CHARGED WHEN US BANK ALLOWED UNAUTHORIZED TRANSACTIONS AFTER I EDITED THE DEFAULT PERMISSION, AFTER MY COMPLAINT TO CFPB, AND AFTER I REPORTED XXXX AND THE NUMEROUS ADVERSE DECISIONS SOLELY BECAUSE OF THIS FRAUDULENT CHARGE SENT TO DEBT COLLECTION AND SEVERELY AFFECTS MY ABILITY TO OPEN BANK ACCOUNT
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-06-16
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. (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 XXXX XXXX  # XXXX, # XXXX, XXXX # XXXXXXXX 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 2023-12-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Better Mortgage, Inc. (WA)

I want to file a complaint regarding Better loan coordinator : XXXX XXXX XXXX XXXX XXXX. I recently applied for an XXXX property loan with Better mortgage through XXXX, transaction is scheduled to be closed on XX/XX/XXXX. 

During the whole loan application process, I had trouble contacting XXXX, our contact is one-way for most of time, from XXXX to XXXX. 
Even my buyer agent complained that she had trouble contacting XXXX. 
Loan application is full of changes, and lack of response from XXXX makes things worse. 
Even worse, XXXX lied to me and tricked me to buy {$2200.00} points into a loan. Here is the rundown : 1. On XX/XX/XXXX, XXXX shared Closing Disclosure with me through email, I found that he added {$2200.00} points in it and replied in email that I do not want to buy points and asked him to remove the points 2. On XX/XX/XXXX, XXXX texted me to sign Closing Disclosure otherwise, we can not close on time. He promised in the text that I can make changes later on. Here is his origin text message : " If you want to make changes, that is totally fine. Just acknowledge and let me know what you want updated ''. I replied that I want to remove points and signed Closing Disclosure right after. 
3. On XX/XX/XXXX, XXXX emailed me that we can not remove points, otherwise, the loan will be delayed and we will be unable to close on time. Here is his origin email : " The 3 day waiting period has elapsed. 
If you were to remove points to choose a higher rate, you would have to wait another 3 business days to close. Your seller has advised you are unable to sign later. Do you still wish to change your loan terms? 
". 

Since close on time is my top priority, I decided to buy {$2200.00} and move on. But team, is that fair? I feel being blackmailed by XXXX using closing on time as an excuse, he is not helping me at all.
Consumer complaint received 2018-09-14
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 Karma (GA)

I was checking my credit score on Credit Karma on XX/XX/2018 and saw a link that said 'See if you are pre-qualified for a personal loan. This will not effect your credit score. ' I clicked on the link and saw the offers and did not proceed. Few hours later, I get an email from XXXX XXXX XXXX ( XXXX ) with the creditor name : XXXX XXXX, XXXX XXXX XXXX, XXXX, AL, XXXX ; stating that my loan application has been denied and that my report was pulled from XXXX. I have not sent in any application to the above mentioned creditor, nor have I consented to my credit record being pulled for any loans. I have never planned to get a loan from XXXX XXXX cause I did not even know that company existed. I have sent a mail to the support email for XXXX XXXX   sand is waiting for a reply.
Consumer complaint received 2023-12-29
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. (FL)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian and XXXX. Dispite sending them the letter. I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : Inaccurate Addresses : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX ; Account : XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (TX)

My wife went into XXXX XXXX and purchased some products. She swiped our XXXX XXXX card, and unbeknownst to us, they opened a credit card in my name ( I was not present ). The credit card is XXXX XXXX XXXX XXXX  XXXX. 

I called the credit card company and explained the issue and I offered to pay the original debt for the purchase with a pre-paid XXXX XXXX card and they refused to accept it. There is no way I am giving them my banking information as they requested. 

After XXXX minutes on the phone with XXXX or so different reps, which consisted of threats and false accusations against me and my wife, they hung up on me. 

They defrauded me, they are damaging my credit rating, and they are refusing to accept payment for what we owe.
Consumer complaint received 2019-07-21
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: EQUIFAX, INC. (PR)

The loan was paid off by the unemployment Insurance that the loan carried and it does currently show as paid 100 % the the account went into my default on XXXX then the company re reported on XX/XX/XXXX witch is not the correct information and should be removed by the FCRA this information needs to be removed. In Equifax the last payment was recorded as XX/XX/XXXX and in XXXX  last payment was recorded on XX/XX/XXXX this show that the XXXX XXXX it's failing to report accurate information to my credit files this is a violation of the FCRA and this item must be permanently removed from my files by law or otherwise will suit the company for reporting inaccurate information on my credit files.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/. entered into a judgment while begin represented for child support and spousal support totaling {$1700.00} a month. my income is - take home XXXX XXXX monthly. while there was no evidence provided to make a judgment of that nature, physical or testimonial. While unable to make the payments, on top of all the other bills I was forced to not pay. while looking for help and researching there were many helpful ideas. while child support itself is the biggest corrupt unconstitutional fraud ever committed, there is also money. I have been and am still begin forced to work for fake money,. has no value. I have been monopolized and railroaded in absolutely every aspect. it has violated every single civil right and liberty i, as the United States of America born national, consumer, citizen whatever. For example, My residence is provided water from XXXX, a Lake obviously ( look it up ). Rain falls from the sky into the lake, i pay for the treatment and the piping to my residence. Which would be ruffly 2 % of the bill ( cost of treatment and piping ). While the piping was paid for by taxpayers already, we continue. The maintenance is slim to none, living here and seeing absolutely no construction. Water from the sky, I pay for. I flush my toilet, I have to also pay to get rid of that water and treat that as wastewater. The special district then pipes the wastewater to XXXX to, " XXXX  XXXX '' a power generation facility. In which they sell the water to " the geysers ''. All that and myself, the consumer gets {$0.00}. When did the waterfall from the sky? Who owns that water? Hopefully, that makes sense. 
Banks loan me money, yet they can't provide any debt validation/verification. Mainly because they didn't loan ANY money. Yet I have XXXX XXXX, and XXXX XXXX  and can not buy a house because I was initially wrecked by the CA state judicial system. I have gone through every possible avenue to seek remedy. I am extremely educated in the factors herein and do not have time to waste. my life has been drastically affected and continues daily. The respect I once had for any authority within is diminished. my faith in any justice is rare, as well as the leaders. I've been discriminated against at work, and at all government agencies contacted. I have been ignored. It's absolutely unacceptable and my mission will continue to pursue remedy. Either of broad media or alike, until there is accountability there will be navigation to this.