davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-30
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. (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 XXXX XXXXXXXX Account Number : XXXX  Account Name XXXX XXXX Account Number : XXXX 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 2023-05-04
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (GA)

Im trying to get access to my credit report these people are reporting outdated over 10 years old information and incorrect information about me. Ive tried on numerous occasions to get a new credit report from them but they continuously have a system failure problem. 
Ive sent a copy of my id, a bill, and my social security number to this company last year and I havent received a update regarding my dispute and security freeze.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Credit bureau 's is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed. according to 15 USC 1681 : I have the to privacy and did not give XXXX, TRANSUNION, XXXX written permission to furnish these accounts listed below. 

1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

8. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 9. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-12-31
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. (NJ)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (NV)

I signed up to a US Bank XXXX account on XX/XX/2023. The promotion states that I will receive {$500.00} after depositing {$3000.00} and having the account open for 60 days with a balance of at least {$3000.00} by day 60. It is now past the 60 day mark and I have received no information from the company regarding the bonus. 

My acct # is XXXX Please investigate this. 

Thanks, XXXX XXXX
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX XXXX XXXX XXXX has falsely reported a payment made in XX/XX/XXXX in an effort to renew the account status. This is a gross violation of federal law. This gross violation also occurred by reporting an alleged payment on XX/XX/XXXX. No such payments were made as evident by XXXX reporting those payments amounts as {$0.00} for those dates. 

As XXXX is intentionally violating federal law in order to renew the account status by fraud, I demand the account be removed permanently from my credit report. 

If XXXX wants to continue to claim a payment was made on the account, I demand they provide proof of the payment, including an original receipt showing the date, the amount, the branch and teller who allegedly received such payment. 

Additionally, I dispute the following addresses on my credit report and demand they be removed immediately. Neither of these are my address and are not associated with me or anyone I know personally. 
XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Furthermore, this complaint is against XXXX for refusing to allowing me to file a dispute online and demanding that I call. I am hard of hearing and do not talk on the phone. This demand is a violation of ADA by refusing to allow accommodations for XXXX.
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CA)

I have applied for a re-structure on my student loan in XX/XX/2023 to lower my payments and was given a new estimated payment of {$45.00} per month. Company stated they are still behind on my application and I am in there system to get completed and in pending. However I continue to receive billing statement while they are working through there back log of application. I need to have my repayment application completed soon, so I can start making the lower payment that was documented and discussed to me.
Consumer complaint received 2024-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Driveway Finance Corporation (CA)

I financed my car in XXXX of XXXX. I was made privy of their Predatory Lending Practices, and Fraudulent Business Practices around XXXX of XXXX. I am requesting an affidavit of truth from one of the board members, validating the debt, and proving where the initial funds came from to finance the loan. Was it my signature and security collateral that funded the loan, or was it their own personal money that financed the loan? They are constantly ignoring my requests/demands for this. I wish to operate in honor, and they are breaching contract by not honoring their fiduciary duties to me, the beneficiary. 
My loan was financed for {$64000.00}, when the XXXX was {$55000.00}. There is an " allowable backend '' for {$8100.00} on the contract which was NEVER discussed with me. They coerced me to put down {$7400.00} on a credit transaction, when legally speaking, you cant take any cash on a credit finance. This is per 15USC 1605 ( a ).
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have challenged XXXX XXXX  in the past and had this account removed/deleted for inaccuracies and violation of 15USC 1681 a ) b- Duty of knowledge and knowingly furnishing inaccurate information to the Data Furnisher- this account keeps coming back even after it had been removed which is a violation of FDCPA 605b. I contacted TransUnion today XXXX in regards of FCRA section 623 their duty as a Data Furnisher and they continuing actions to allow this Act to continue to break laws and Regulations. Its only reporting on my Transunion Report and I have reached out by certified via mail on XXXX XXXX and have filed a dispute through XXXX XXXX again on XXXX which is currently past the 30 days timeline that an investigation should be completed by FCRA Law, which is another clear violation of FCRA section 623. I want this account removed indefinitely. And TransUnion to be Fined {$1000.00} for what they have allowed to be furnished even after I have addressed this matter. This company dont have proof or can not validate this debt belongs to me it must be Removed.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NV)

On Sunday, XX/XX/XXXX, I linked a new bank account with my Marcus account and requested a transfer of {$120000.00} to the new account. They contacted me today ( XX/XX/XXXX ) wanting to verify the new account. I had to contact my new bank and authorize them to speak with Marcus Bank. After everything was verified, XXXX from Marcus Bank told me that my transfer was being disallowed because the account I was requesting the money to be transferred to was opened less than 90 days ago. There is no rule that I have seen or that anyone of the people at Marcus Bank could steer me to to show me this is their policy. I subsequently spoke with XXXX, then XXXX, then XXXX, and finally XXXX with Marcus Bank. I asked XXXX to show me where it says in their policy that transfers can not be made into newly established accounts and she referred me to their rules which says absolutely NOTHING about an account needing to be greater than 90 days old in order to transfer money. Not only did they refuse to complete the transfer ( after thoroughly verifying that the account was legitimate ), they refuse to put the money immediately back into my account as I now wish to close it over the poor customer service I experienced with them. I think this is totally unjust and that they are withholding my availability to my money without cause. I have been a longtime customer of Marcus Bank, but will close my account immediately once I have access to my money. This is poor customer service and I feel they are unjustly keeping my money after they made me go through the trouble of verifying that my new account is actually my account. All of these conversations took place over the phone so I do not have anything to attached. I did take everyone 's name that I spoke with though. XXXX refused to let me speak to anyone higher up in authority.
Consumer complaint received 2024-05-05
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. (FL)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2024-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CT)

They upheld the PSLF payment total not being met in my previous complaint, ok no big deal. On XX/XX/XXXX I got a letter via email that my account was now placed in forebearance, I never requested this and I have not gotten any clarification as to why this was done. I was placed in Exceptional Discretionary Forbearance with no notice or explanation. I am concerned at how my federal student loans are being handled by Mohela and afraid that this is going to negatively impact me in the long run when its not something I requested at all. I feel that Mohela has not provided enough sufficient information, accurate information even with regards to my previous complaint, where they didn't inform me accurately of what was needed just kept asking for more and more information until I filed a complaint with you and then and only then was I provided a definitive answer. I am significantly concerned about them handling my loans and placing them into status 's with no reasoning without my approval or knowledge.
Consumer complaint received 2023-04-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation (MD)

my XXXX was repossessed, and the account was charged off but still shows a balance due, it was charged off in XXXX of 2020 but states it was repossessed in XX/XX/2020 2020
Consumer complaint received 2024-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (VT)

I transferred funds from my online bank ( XXXX  ), to my Wise account on XX/XX/XXXX. On XX/XX/XXXX XXXX indicated that the funds had been transferred, but Wise did not deposit them into my Wise account. Today, XX/XX/XXXX the status in my Wise account says the transfer was canceled, with no explanation. When I contacted Wise, they said they had an " incident '' that caused the transfer to be canceled, and provided no additional information. Wise has said they will refund the money to my XXXX XXXX  account, upon me providing proof of payment, which I have sent them. Wise has stated it will take them up to 10 business days to refund the money. This means the transfer amount of {$7200.00} will be in Wise 's hands for up to 15 business days before I receive it back. I need this money to pay my bills, and it is unacceptable for Wise to retain my money for this long when it was their own issue causing the cancelation and delay. I would like my money refunded immediately, and explanation of the incident including whether they suffered a security incident that compromised my account, and compensation provided for the daily interest I lost while Wise holds my funds. The interest I will lose on {$7200.00} for almost a month is approximately {$30.00}.
Consumer complaint received 2023-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AL)

I ordered a XXXX from a XXXXXXXX XXXX  seller who prompted me to pay with cash app. I paid half of the price, so XXXX at the start, and half when shipped, so XXXX when shipped. The seller sent me an old tablet with a bulging battery ( to the point the screen was coming off ) instead, and blocked communication with me. I reported the seller on XXXX and cashapp and requested a refund, but both actions have not produced results.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (MI)

Company Eastern Account System , INC. is a third-party affiliate of XXXX XXXX XXXX XXXX XXXX XXXX has breached there contractual agreement with I the consumer by selling and disclosing my non-personal information to Eastern Account System, INC. Eastern Account System illegally has my personal information, furnishing information to my consumer report. Pursuant to my rights of privacy within The Privacy Act of 1974, Eastern account system is in violation. I would like to highlight due to The State of Michigan laws a debt collection agency must be licensed to collect on a debt in the state that is attempts to collect from a consumer. Eastern Account system is NOT LICENSED in the state of Michigan or Authorized to do business in Michigan. Therefore you can not collect on any debt. Eastern Account System, INC is illegally attempting to collect on a debt that has been charged off as a loss by company, XXXX and written off. Eastern Account System can not collect on a debt that has been written off on XXXX  companies books provided to the IRS. A charge off is a certificate of Indebtedness, which means it is income, Income can not be reported to a consumer report as per the company, XXXX  charge off of this said account. XXXX  has not provided the documentation requested by I the consumer as requested on the recorded call XX/XX/XXXX. The collection agency, Eastern Account System DOES NOT HAVE PERMISSION TO FURNISH MY CONSUMER REPORT I HAVE NOT GIVEN THIS COMPANY PERMISSION TO ACCESS OR HAVE MY PERSONAL INFORMATION. XXXX  HAS NEVER SENT ANY DISCLOSURE ADVISING THEY ARE SELLING MY PERSONAL INFORMATION TO THIS COMPANY. THIS ACCOUNT IS IN THE PROCESS OF LITIGATION. AS THE ORIGINAL CREDITOR HAS BREACHED THEIR PRIVACY POLICY pursuant to the contractual agreement. I have no contractual agreement with EASTERN ACCOUNT SYSTEM and demand this account be removed as all parties will be responsible for there role in attempting to bring false claims and stress against I the consumer.
Consumer complaint received 2024-05-05
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. (TX)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-04-02
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: BARCLAYS BANK DELAWARE (CA)

I disputed a charge with Barclays. 
They sent me a letter with rebuttal and said the charge was legitimate.But the order details were wrong, the expiration date is wrong, and the billing address is wrong too, the expiration dates were all wrong in the rebuttal, see pages in XXXX and XXXX, this proves I did not authorize the charge. I will attach evidence .Because the billing information was wrong : the charge should not go through. 
I emailed the merchant about my cancellation for my refund, they emailed me they can not find my account, I did not get the merchant 's services but they charge me money. 
On XX/XX/2024, I called the dispute person at Barclays, he said he reported the merchant for fraud, but now they gave me a letter saying my dispute was denied.
Consumer complaint received 2024-02-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/scrub> 2023, I received a payday deposit from my employer. I tried to use my card and it was declined. I opened my app and saw a message that my funds were not available for withdrawal. They provided a phone number to call and I called. They advised me that they would be ending the banking relationship with me. I asked why and their response was that there was an ongoing investigation. I asked to escalate so that someone could give me more information and more reasons why. A manager called me back and offered no more information. My funds still arent available.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (OR)

View attached 2 files, JPMorgan illegal credit activities, illegal mortgage activities, cooking be books activity. 

This information about this credit card is disputing accuracy of information or completeness, and with the criminal activities of JPMORGAN make this company complicit in misbehavior. Needless to say very suspicious of this conviction with JPMorgan reflect in this card as illegal activity, who now is responsible for burden of proof? 

This is of grave concern, the allegation could lead to an independent claim and reference these similar convictions. 

Or you could remove this alleged debt that has subsequently already been paid 3 times now, is XXXX XXXX XXXX and should be removed.