davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
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)

reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX. Along with Experian XXXX and XXXX are reporting these unauthorized inaccurate accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted Experian, XXXX, XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2023-12-12
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/2023 I applied for an unlimited open ended credit plan with American Express Gold Card. I applied for this plan because it is well documented that when a consumer applies to give an extension of credit using their social security number/card, per 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The extension of credit can not be denied. ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. The application was denied by a computer generated algorithm based on a FICO score and the determination was not made by a human underwriter. Denial of credit is a violation of the Equal Credit Opportunity Act because when I gave my Social Security information the application should have been approved according to law. AMERICAN EXPRESS is in violation of 15 U.S. Code 1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, XXXX XXXX XXXX XXXX the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS. If AMERICAN EXPRESS fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card ( Social Security Number ) I will indeed make AMERICAN EXPRESS criminally and civilly liable for all actual damages pursuant to 15 USC 1681 ( n ) and 15 USC 1681 ( o ). 

I will also follow up with an invoice for said violations ( { {$1000.00} } per violation ).
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I submitted investigation request to look into wrongly reported Student loans on my credit profiles with Experian, XXXX, and XXXX. I discovered the error on my personal credit during the application process for employment. Multiple agencies had declined to hire because of credit score and the amount of student loans listed multiple times as defaulted. I reached out to each credit reporting agency and asked for documentation and to investigate in order to clear up the misunderstanding. 

My student loans are all with XXXX and are under deferment and are not in default. During the investigation process, XXXX account XXXX was removed from all credit agencies once the error from the investigation was found, along an apology letter from the servicing agency handling half of my student loans. 

During my request for verification and to validate the information being furnished on my credit, the only thing that occurred was all accounts where updated with " Closed '' since they did not hold nor were servicing my student loans going back almost 10 years, XXXX account # XXXX was not helpful in providing the documents requested nor provided the verification as its still being reported incorrectly under the circumstances in which loans were to be in deferment. I 've made three request total and asked for verification and to request written proof of their finding but was never furnished with any information.
Consumer complaint received 2023-12-12
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. (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

Under the the Family Education Privacy Act of 1974 States you are not allowed to report my income to any 3rd party or companies. This account should be removed immediately or I will be seeking damages under the law. 

the law also states that this item is over the credit statue of 7 years and it should not be reporting on my credit report.
Consumer complaint received 2017-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Montgomery & Meyers P.A. Corporation (MO)

Representatives, Specifically XXXX - Senior Vice President Director Commercial Recovery & Litigation The Offices of Montgomery & Meyers P.A. Corporation, have been harassing me regarding a debt. It began by them calling my XXXX father, they threatened him and tried to get him to pay a bill that clearly was not his. In addition, I have tried to resolve this but they have refused to provide any documentation that they represent the company they say they represent. I asked them to provide the original invoice, they refused. Throughout the process he has been abusive cussing and yelling. Lastly, while speaking with someone else from this office I agreed to pay the bill. When I called back to provide payment XXXX again being abusive refused to honor the arrangement.
Consumer complaint received 2023-12-12
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. (CA)

XXXX take off the missed payments and negative utilization for any charge off accounts and XXXXXXXX XXXX XXXX missed payments. I never missed any payments and Im uploading the proof. Regardless your violation of federal law and deceptive and fraudulent behavior against my credit report and me is done! Immediately fix the missed payments any non account holding inquiries. 
XXXX, as of today XX/XX/ you have 3 days max to take these no. Account holding inquiries off of my credit account credit report and on the 3 charge off accounts under usc 1681g 1666 my Credit report doesnt include any transactions or other behavior related to my relationship with any of my credit card accounts or private relationships with any creditors! Remove all missed payments and utilization immediately! 
Equifax, you have 3 days maximum to fix my personal information! 
The only name, address, phone number and Business is this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX California ( XXXX ) XXXX. 
Any other false alias or fictitious name or address you have has been used fraudulent by you! I will upload proof. 
And stop immediately reporting any misinformation according to missed payments or credit utilization on any charges off accounts! 
I have opted out of any solicitation of offers or any kind of 3rd party theft of my private and public information! Im filing a lawsuit against all who have any inquiries soft or hard! Cease immediately. Thank you for your cooperation in this matter
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022 I tried to make a {$3000.00} dollar deposit on an ATM machine at the bank of America in XXXX TX, the ATM took my card and then my money but after it took the money it made a jamming sound and the ATM turn itself off.. I tried to push every button but it would not come back on so I went inside the bank and told them what had happen and the lady went inside a room and came back saying that there was nothing she could do ... to file a claim with the claim department, I did about XXXX min later and they said that they would have to wait until the tech went by there that night to get the money, since then I have called them and ask about the credit, but they would give me the run around.. finally this past Friday I received a letter saying that they would not give me my money back because it was not in the ATM, I immediately called them and told them that they have cameras every where they can clearly see me depositing the money and inserting the card, I feel like I '' m just been robbed of XXXX from Bank of America because they don '' t want take responsibility for the ATM turning off and of course they know who has the money
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Applied for Bank of America XXXX XXXX credit card via phone using my XXXX passport number since I do not have SSN/ITIN. Also, I am a new customer of their bank. Opened checking and savings accounts weeks ago ( XX/XX/2020 ). Since I am a new customer, I expected bank 's credit analyst was lenient on my application considering I do not have a US credit file and is trying to build one, however, how can I do it without any US credit card to start with? Application was declined and received letter from the mail about the decision. Reasons for decline were insufficient number of established credit references, insufficient established revolving credit accounts and limited deposit/investments balances with the bank. In my opinion, these decision outcomes were normal for an applicant with no US credit history and is just starting to build a relationship with the bank. They should be considerate and give chance to new customers on how to handle credit responsibly. It is true that we are in the COVID-19 crisis and that the economy is unstable, however, that does not mean that every new customer of their bank will have the tendency to misuse credit, indeed, they misjudged my application on the basis of no established US credit history and limited balances on my bank accounts with them. Let us not be PREJUDICE. I believe, the reasons that were mentioned above were not bad at all and can be reconsidered if they just open up their minds and be considerate. How can you gauge a customer 's ability to repay and on time if he/she does not have anything to start with? The key here is to establish a good relationship with the bank and build trust. I am hoping that Bank of America credit card department will reconsider my credit card application.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a dispute letter to TransUnion asking them to provide proof about inaccurate information on my report and asked them to verify and provide proof that these accounts are accurate and belong to me and the only thing I got back was verified. They stated they verified my accounts including a bankruptcy but when I requested the source of the verification, they ignored me. They are in direct violation of the FCRA they says they are to provide non-third party proof or delete. So TransUnion lied in a legal document to me and violated the FCRA and I want all my disputed items deleted and updated at once! 
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Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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 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.
Consumer complaint received 2023-12-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (NY)

I made extra PRINCIPAL only payments as well as regular month installment payments since XXXX ( see below ) they are charging well over {$6.00} each day on interest, i asked them to correct my account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please help with this issue!!!
Consumer complaint received 2018-05-18
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX I returned shoes to XXXX XXXX in which waited the allowed time frame to get my refund. In which didnt get the refund then disputed the transaction and received the money on XX/XX/XXXX. Then they took it back from my account XX/XX/XXXX. I have been disputing this since XX/XX/XXXX. They have yet to fix it then. Theyre disputing incorrect merchant. I am beyond furious with having to do their job and not getting the customer service I should be getting.
Consumer complaint received 2023-09-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Rights Violations : 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 *According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. *They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. *Accounts has been deleted from XXXX but still showing on my report for Equifax and XXXX. 

XXXX XXXX XXXX  Account # XXXX Open date : XX/XX/XXXX. 

XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX date assigned. 

*Please Delete all accounts through out all of my credits report ( XXXX XXXX XXXX Equifax ) Due to accounts opened fraudulently, Ive included identity theft report along with this complaint for proof, Ive also filed police report. 

I also want delete all inquiries that does not hold any open accounts as it may be fraudulent on XXXX, XXXX XXXX Equifax.
Consumer complaint received 2022-12-19
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. (NY)

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 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.
Consumer complaint received 2022-12-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NC)

Would get upwards to XXXX calls a day from Comenity Bank, This happens Everyday even on weekends nonstop for the last XXXX XXXX years. They leave detailed messages stating I will need to have my lawyer to contact them or it will be escalated to the next level. They have upwards to XXXX different numbers calling me nonstop.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I went in to close my bank account. I was handed all of the money in my account but told they would not close it at that time and to call customer service because they didnt have a banker. I found out later there was a banker but they didnt want to effect their numbers. They did not put a hold on the account either. I tried to contact the customer service number, but was put on hold for over two hours. This happened multiple times. I noticed a few days after that my account was in the negative for a few hundred with the majority being overdraft fees. I tried calling again. Still could not reach anyone. I sent emails to the district manager. No reply. Finally, months later they called me and I explained what happened. I said I was willing to pay only the expense amount that was pulled but no late fees because I have been trying to get assistance with this. They should not have refused to close an account. They should not have pulled money out of my account knowing there were expenses going to pull. I attempted multiple times to call and to no avail. I told them I even sent an email. No reply. I am always sent in circles. To this day there has been no resolution. I have screenshots and proof of all of this.
Consumer complaint received 2018-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

OCWEN LOAN SERVICING MODFIED MY HOME LOAN, FIRST AND SECOND SEVERAL TIMES OVER A TWO YEAR PERIOD. MY DEBT BALANCE WAS PARTIALLY FORGIVEN IN CONJUCTION WITH THE IMPOSED SANCTIONS AGAINST OCWEN. TODAY, LATE PAYMENT REPORTING IS ON MY CREDIT, AFFECTING ME IN VARIOUS DEGREES. I WISH OCWEN TO REMOVE THE LATE PAYMENTS FROM MY CREDIT REPORT.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (PA)

Hello, I had reached out to Experian a month ago about charges that other credit reporting agencies have removed. After i disputed the information on their site I received a call saying that i could pay off my credit cards and bank cards, after speaking to the person calling they said they received my information through Experian I told them never to call again and hung up ( they asked for account numbers and social security and made it sound as if they were with Experian ) Today I checked my dispute by entering my SS # and information and received the same call from a different number XXXX and again told them never to call and hung up and dialed the number back there was a recording that the number had been hijacked - it is pretty obvious that Experian is selling customer data or their site is unsecured. Thank you XXXX
Consumer complaint received 2023-12-12
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was an actual victim of credit card theft. The Amount owed is nearly XXXX dollars. I disputed with the credit card company but they refused to grant me the money back dispute the fact that Ive had to file a police report and even go to court and the guy even admitted to doing it.