davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC (AZ)

On XX/XX/2023 I applied for a money purchase loan, the company denied my application. I made this application in good faith for my household and personal use. With the equal credit opportunity act I can not be discriminated against as the full faith and credit is backed by the United States. The federal reserve act sect 16 ( 1-2 ) states that I was to be credited the amount of the application. You cant deny me credit as that is security collateral. My question is if the financial institutions or bank denied my loan yet still deposited where is my benefit. Banks donot and can not loan credit just money. This application was made in good faith for my household and to be denied when Im the issuer of the credit card ( ssn ). In the transaction I am creditor per 433.1 defines creditor, issuer, money purchase loan, and credit card issuer. So how could I be denied if all obligations are of the United States.. I have exhibits to back laws. I have also provided the denial and the application. This company is also under the Sec. the application was the security collateral for the entire transaction. This is a federal violation and considered a RICO ACT. If you would like to further discuss this information in private please reach out to me via email or phone. Banks can not lend credit they can ONLY lend money by law. So how can I be denied of my rights to contract. I can send this application to the FDIC and file a complaint with the irs ( 3949a form and 211 form ).
Consumer complaint received 2023-08-29
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
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. (NC)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-19
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. (TX)

I need your help with the incorrect account that is being reported on my credit file. This error has been extremely harmful to my reputation, and your assistance is crucial. Your mishandling of my credit information has brought me to a breaking point, and my reputation has been severely damaged. These mistakes must be corrected so I can protect my family 's future.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (NV)

I am writing to file an informal complaint against U.S. Bank regarding their denial of my claim for XXXX charges. I am seeking your assistance in resolving this matter. 
I recently encountered an issue with U.S. 
Bank and XXXX. I made several purchases through XXXX, expecting to receive the merchandise in a timely manner. My order was shipped to the wrong address.. However, XXXX failed to refund the payment to my debit card within the specified timeframe. 
Upon realizing this, I promptly reached out to U.S. Bank to dispute these charges. They provided me with documentation to fill out, which I completed diligently. I had a phone call with a dispute account representative where I provided detailed information about the purchases made through XXXX. 
Despite submitting all the necessary information and documentation, U.S. 
Bank denied my claim. Not only did they reject my claim, but they are also recharging me for the transactions related to XXXX. To make matters worse, U.S. Bank has closed my banking account without any prior notice or explanation. This situation has left me deeply concerned and feeling unfairly treated. 
As a loyal customer, I have relied on U.S. Bank to protect my interests and handle disputes impartially. However, their actions in denying my claim, recharging me, and closing my banking account without any valid justification have left me feeling frustrated and helpless. 
I kindly request your intervention in resolving this matter. I believe that U.S. 
Bank should reconsider their decision to deny my claim, refund the charges relating to XXXX, and provide an explanation for the closure of my banking account. 
Thank you for your attention to this complaint. I look forward to your prompt response and a resolution to this issue.
Consumer complaint received 2024-04-24
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: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-29
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your 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
Consumer complaint received 2023-08-29
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
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: Experian Information Solutions Inc. (UT)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (GA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX Balance Owed : {$180.00}.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

My credit card is showing a " no status '' on my Experian credit report. I have provided a current statement showing this is an active account and has been paid as agreed. My credit report shows a decrease credit limit of {$3000.00}, which is my credit card limit. I have provided documents to Experian multiple times and have tried to resolve this with XXXX XXXX XXXX XXXX. I can not get resoultion, I have been trying since XX/XX/2023. Any assistance would be appreciated. 

XXXX XXXX
Consumer complaint received 2023-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting itemsas unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AL)

This company has not explained the hold they are placing on my transactions. I do not have a 2-step validation and yet they want me to respond with a " yes or no '' to purchases. My sources state that CHIME has been money laundering stolen checks and their Modus of Operandi is to put a hold on legitimate purchases so they can use your message of " yes '' to validate illegal transactions. I have not cashed a check over XXXX dollars, with Chime. The check was a refund for a month of service with XXXX XXXX. XXXX XXXX carried on business in the same manner. I did not have 2-step validation with them either, however, they required a recording of my voice to conduct transactions. When I refused to give it to them, XXXX XXXX started sending text messages to approve purchases and that is when I discovered the fake accounts in my name that were doing illegitimate business and sending the statements to an alternate email address. CHIME, mimics XXXX XXXX 's fraud, and when I first filed this complaint all of the 2-step verification stopped immediately. Now that CHIME thinks the case is closed they are repeating the same fraudeulent activity. 
I do not want 2-step validation with this bank, nor do I want text messages from them. 
I am reporting CHIME to FDIC.
Consumer complaint received 2024-06-29
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. (WA)

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 Bank - XXXX : # XXXX, XXXX Bank - XXXX : # XXXX, XXXX Bank XXXX XXXX : # XXXX. 
XXXX XXXX XXXX - XXXX ( Duplicate of the same accounts on record ) XXXX  - # XXXX, # XXXX XXXX XXXX - # XXXX There are also incorrect current/previous addresses and employers list from XXXX and Experian. 

XXXX - My previous addresses have typos and employers are incorrect. 
XXXX  - Current and previous address are incorrect 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 2024-04-24
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: Experian Information Solutions Inc. (NJ)

I filed on XX/XX/2024 A complaint regarding my credit to consumer protection, and the XXXX XXXX XXXX. Today makes 32 days and according to the federal fair credit act if disputed items are not proven to be mine within 30 days, they must be removed from my credit report.

and makes and they need to be removed.

According to the three credit bureaus, they are still working on my complaint, and they need more time. Thats fine but the federal law says they get 30 days and today is 32 days.! Those credit viewers remove these items from my credit report ASAP so we can be done within investigation thank you. 

Please advise. Thank you. Have a good day. 


Thanks XXXX
Consumer complaint received 2023-08-29
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: EQUIFAX, INC. (FL)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (CA)

My student loans are in the process of being discharged. I have approval with Sweet vs. Cardona and {$40000.00} has already been discharged. I have another {$20000.00} remaining. AS soon as the $ XXXX was removed they kicked me back into repayment and wont fix it. Per the terms of the agreement I am to be on administrative forbearance. I am getting the run around from Mohela and Dept of Education. I am now paying interest and have a payment due on loans that are being discharged. This need to be fixed. I clearly states that my loans are to remain in Forbearance until discharge. I provided Mohela copies of these documents in XXXX.
Consumer complaint received 2024-04-23
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. (GA)

Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Reporting this collection account within my consumer/credit report is a form of communication. 
I, the consumer, have not given XXXX XXXX XXXX XXXX XXXX XXXX prior consent to contact me.

In addition, I have sent numerous communications stating I am refusing to pay this debt. 
I, the consumer, never gave the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Experian, XXXX, XXXX XXXX written XXXX or consent to obtain my information or to furnish my information.
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/XXXX, Navy Federal restricted all of my debit cards and state it is for a year. They did not inform me of this restriction. When I contacted them they state it is because of fraud claims. I have had three claims and they state I have had 5. One claim was due to their negligence in including the charge in the previous claim. They state there is a limit but this information is nowhere to be found. They have in their agreement a XXXX tolerance for fraud and to use your debit card freely without worry and charges would be covered. My information was stolen and I reported it. Also, I am a XXXX woman who can not always go into the bank to withdraw cash and I rely solely on the use of my card to buy groceries, buy my kids clothing and pay my bills. They are denying me access to my funds with my card and they do not offer checks. Furthermore, I spoke with an account specialist who stated that cards get stolen if entered into XXXX XXXX but they send you the card information prior to you receiving it in the mail and say to enter it into XXXX XXXX. She stated it was my responsibility to not so such but they email you and tell you to. I attempted to open another account at Chase Bank and set up to transfer my funds to them so I could have access and they denied my transfer and stated that they would not allow any transfer to that account. I have funds in my account and I am also on my sons, husbands and mothers accounts there and none are in bad standing. My husband has been XXXX XXXX for over 17 years and had an account there and I have had one since XXXX. I followed their instructions in reporting when someone stole my information and I am punished for such and not permitted to have a card or transfer my money out of the account. As I stated I am XXXX and have been since XXXX and can not go into a branch just to get access to my funds and they are denying me my rights and will not give me the proof I asked for. This has caused me added stress and now am XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. They have treated me terribly and like a criminal when I did nothing wrong.
Consumer complaint received 2024-04-24
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. (OH)

I've been a victim of identity theft ; my information was exposed to the public in the XXXX data breach, and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (TX)

In XX/XX/XXXX, I closed my XXXX account. At the time, XXXX said there was a router/modem that needed to be returned. I explained that the item had been taken by a technician due to it not working. XXXX  verified this by checking when it was last turned on/used. They said the issue was resolved and there was no more owed. Now, in XX/XX/XXXX, I received a letter from CBE Group saying I owe XXXX  ( Charter ) {$59.00}. When I contacted XXXX, they said it was for a missing router/modem. I explained to them again, but have not had luck in getting this debt discharged.
Consumer complaint received 2023-09-13
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. (OH)

n 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 Number : 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.