davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
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. (AR)

In accordance with the FCRA, ( Experian, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX  account # XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX ) I am Attaching identity and proof of address.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX account number XXXX is in violation according to 15 USC 1681b reporting false inaccurate information. This item is a charge off and should be reporting a {$0.00} balance.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

My old student loan servicer, XXXX XXXX is still reporting XXXX student loan balances that they no longer hold, the accounts moved to XXXX. So right now, my credit reports show that I owe double the amount of student loans than what is actually owed.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following account need to be removed : XXXX Account Number : XXXX
Consumer complaint received 2023-12-22
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. (NJ)

Equifax did not reinvestigate XXXX XXXX XXXX XXXX XXXXXXXX properly they have not sent or mailed any proof from this account providing payment history. If they can not validate then please update account payment history
Consumer complaint received 2024-03-20
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. (PA)

My name is XXXX XXXX. I recently reviewed my XXXX, Experian and XXXX credit reports and it shows inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality. I'm a victim of Identity theft and this information is not mine.
Consumer complaint received 2023-02-18
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. (GA)

I recently received a copy of my consumer reports from Experian, XXXX, and XXXX. I noticed that one or more is reporting my customer experiences.

Some of my lines of credit are characterized as ( utilization ) on my consumer reports and are being illegally reported. How I choose to utilize my credit lines is my EXPERIENCE ( utilization ) between myself and the credit issuer.

This is in clear violation of the law pursuant 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( CREDIT ISSUER ) making the report is NOT INCLUDED on my Consumer Report.

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction experience ( utilization ) on my consumer reports when CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Consumer complaint received 2023-09-12
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX {$33000.00} XX/XX/XXXX
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CO)

I bank with chase bank and have both a personal and business checking account with them. I have applied several times for both business and personal credit cards as well as a start up loan for my XXXX however I keep getting denied for a different reason every time. My business account is actually costing me money to have and I feel taken advantage of by allowing me to open the account but never allow me access to credit like every one else gets. No matter what I do i never get an approval. I was told if I could get my credit score up I would be able to be approved but this was false
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NATIONSTAR MORTGAGE LLC (FL)

RE : NationS tar/  XXXX   T his account was included in a  US  Ch.  XXXX  bankruptcy filing on    XXXX   XXXX  , 2010, c ase #  XXXX  The notation in th e Public Records Section has  been removed in the   XXXX    credit report HOWEVER The notation of the NationStar/  XXXX  is st ill showing as an active/open account and derogatory.   Please see attached court docs regarding this case.   This account was included in the Ch  XXXX  filing of    XXXX   XXXX  ,     2010  and subsequently discharged per court order.   The allowable time a Ch  XXXX  filing can remain on a credit report is 7 years from the date of filing - which was    XXXX   XXXX  , 201    0 (  case  XXXX  ) This account should be removed.  <P/>  XXXX  informs the mis-information being provided to them is from Nationstar.  <P/> NATIONSTAR MORTGAGE  LLC   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX
Consumer complaint received 2024-03-20
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-08-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

My loan number was changed in XXXX, I did not make the deadline to update my auto draft from the bank. I called in XXXX to make my monthly payment and to be placed back on auto draft. Well, this payment and every other payment each month has been misapplied by the lender ( CIT bank ). My name and loan number are : XXXX XXXX # XXXX. 
I keep thinking that with every month this would be corrected, sadly it has not. It is now affecting my credit rating, I was at a XXXX with XXXX, and now I'm down to a XXXX. I pay all my bills on time, and to see this was very upsetting. I've been trying to get this fixed for over 6 months now. I was finally able to get a supervisor, XXXX XXXX ( XXXX ) XXXX in XXXX. I thought that would be the end of it, again it was not. 
I have attached my payment history and the misapplied errors. I just wanted to get back on the auto draft. I sent them multiple emails through their website XXXX XXXX XXXX. No resolution. Many calls to XXXX, she did call me back this month when I mentioned I need to make a payment, other than that every voicemail I have left her has been unanswered. As of now, my account states that my next payment is due XX/XX/2018. I have paid every month, and a little extra this month in the hopes that someone would fix it. 
I'm exhausted, I'm hoping this will help me with my issue.
Consumer complaint received 2023-08-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023, I applied online for a line of credit. Wells Fargo immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I've been trying to find information on Experian 's website where I could freeze and unfreeze my credit report. They make it impossible to find this information. And they don't have any kind of customer service - only an automated unhelpful call-tree system that doesn't provide this info. And they keep trying to sell you their XXXX XXXX XXXX- which of course costs money. XXXX Experian is hiding information to the free credit report freeze/unfreeze service ( which they are obligated to provide )- and trying to sell their paid services to unsuspecting consumers - as if that's the only way they can freeze their credit file. The other 2 credit bureaus, XXXX and XXXX make it simple and easy to find this info as soon as you login. I hope CFPB will look into this matter and hold Experian accountable for the damage they've already done to untold number of consumers.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2018-08-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Premier Student Loan Center (AZ)

I received a call from premier student loans center asking me about my student loans, I tried to verify who they were to make sure it was not a scam, but both the initial woman that called me from XXXX was defensive and aggressive asking, " do you want to see if you qualify for loan forgiveness or not! '' She transferred me to : XXXX XXXX XXXX XXXX PREMIER STUDENT LOAN CENTER Direct ( XXXX ) XXXX XXXX www.premierstudentloancenter.com XXXX XXXX XXXX XXXX XXXX When I asked for a call back number to verify who he was and the company he worked for he too became defensive and aggressive, saying I was offending him and how would I feel if I were in his shoes accusing him of being a scammer. I don't know if this company is a scam or not, but when he claimed I was waisting his time, I asked to be transfer to someone else and he stated that he couldn't transfer me and I could only deal with him, and if I choose to try again next year for student loan consolidations I would have to call him back. He sent me some emails and went through a process of trying to get me to sign up to give payments thorough his company. The entire time I felt he was aggressive and pushy, I didn't feel comfortable at all, he used President Trump as ammunition for pressuring me into following through with a payment plan with his company. He also said his company worked for the government, but they were not considered government employees. If this is a legit company then they should be required to answer all reasonable questions about the company they work for and adjust their customer service. 

If they are not a legit company then something should be done the name and information above is the information that was emailed to me along with links to government websites.
Consumer complaint received 2018-08-15
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. (MO)

On XX/XX/2018 I requested a copy of my credit reports from XXXX, XXXX, and Transunion credit bureaus. After reviewing my file from these credit bureaus, I realized that there were several negative accounts listed that did not belong to me and were likely fraudulent accounts. I filed disputes with the bureaus but this payday loan still remains on my reports and is listed as a collection account. The company that I believe is fraudulently and/or incorrectly listed on my credit files are the following : 1.  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX or ( XXXX ) XXXX {$680.00} XXXX
Consumer complaint received 2023-04-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (WA)

I sent a certified dispute letter to lvnv funding on XX/XX/XXXX they received it on XX/XX/XXXX but are saying they didnt get it.. I have proof they did! I am sending one last estoppel of silence letter and Im sueing!
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 

XXXXDEPT OF ED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

I was speaking with this company about settling my debt. I provided them my card information and all and agreed to pay the debt for a lower amount. This company used my card without my permission and charged it for the entire amount of debt rather than the amount we agreed on settling for.
Consumer complaint received 2024-03-20
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. (FL)

I am the living woman and beneficiary of this account and it has been brought to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any responses because of the automated system they have in place which in fact is a violation as well. 

They have violated the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these XXXX credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 

I did not give them permissible purpose to identify these acccounts. These XXXX credit reporting agencies have contractual violations, FCRA Violations, UDAP violations as well and I do intend to sue if these accounts are not deleted from my report.
Consumer complaint received 2023-02-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NC)

I received approval from Best Buy for a {$1000.00} credit card. I purchased an XXXX XXXX  with a credit card for about {$670.00} and received an additional {$150.00} warranty with it. After a few days, I realized Best Buy had given me a defective laptop that was likely used by someone else. I tried to have it fixed under warranty, but they said they couldn't fix it. 

I tried to get a refund for a defective device I had received, but they wouldn't give it to me. Later, Best Buy increased my credit card limit to {$2000.00} without my permission even though I had only agreed to a {$1000.00} credit limit, charged me an additional {$1600.00} in interest, and sold my debt to a debt collector. I'm not sure who the debt collectors are right now, but each time I tried to call Best Buy to resolve the issue, they were unable to assist me.
Consumer complaint received 2018-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/XXXX at XXXX XXXX. I went to the atm at Huntington Bank at XXXX XXXX XXXX XXXX XXXX XXXX, MI. I withdrew {$460.00} off my debit card from XXXX XXXX XXXX in XXXX, MI. I was then going to deposit the money into my Huntington Bank Account to cover my rent check which I wrote from my Huntington Bank Account. The atm sucked my money back into machine before I had a chance to take it out. I immediately contacted Huntington Bank and talk to XXXX XXXX   a customer service representative at the XXXX Branch. I was told that I would have to wait 14 days for my money to be returned because their atms are vendor fed and vendor balanced. i have never heard of this and when I contacted XXXX  a Customer Service Representative at XXXX XXXX XXXX  she never heard of this either. I had this happened one other time at another bank and they went out and checked atm and my money was sitting in back of machine. XXXX   called XXXX XXXX and was told the same thing there was nothing they could do but file a dispute and we did and he said it was taking care of. Well on XX/XX/XXXX the check was presented and I thought they would return it. I contacted my landlord and explained to him what happened and he asked me to write another check which I had my sister do ( I'm between paydays ) for {$440.00} plus {$15.00} for overdraft/return payment at his bank. Well they paid it even thought there obviously was no {$440.00} in my account. Now I am overdrawn by - {$400.00}. I should mention I did have {$40.00} left for groceries that was used towards the check. Another payment came thru which I had money for before this check payment and that put me overdrawn at - {$400.00}. I had a 24 hour grace period but being between paydays and borrowing money from my sister had nothing to put in the account. Well on XX/XX/XXXX I was slapped with a {$23.00} over draft fee leaving me overdrawn by - {$420.00} and Tuesday XX/XX/XXXX they slap me with an extended overdraft fee of {$25.00} now I'm overdrawn by - {$450.00}. Tuesday XX/XX/XXXX XXXX  from Huntington Bank Headquarters called and said they closed my case and my bank will have to dispute on their end. Are we serious? Two weeks of run around and stress. I contacted XXXX  at XXXX XXXX XXXX this morning and she filed a dispute. A {$460.00} withdrawal has cost me close to {$600.00}.
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (SC)

I had insurance with XXXX in XXXX and canceled because I did not have the car. I got a new car and in XXXX starting shopping for cheaper insurance. I paid XXXX the amount owed and the new insurance premium. Never was I advised that this information was sent to a collection agency or that it was with a collection agency
Consumer complaint received 2018-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Deposit a {$600.00} check at my BOA branch 's ATM on Sat XX/XX/XXXX, XXXX.

BOA put a instant 'HOLD ' on it until XX/XX/XXXX, XXXX.

Talked to the issuing bank XXXX  and they informed me the check cleared on XX/XX/XXXX.

Called BOA last two days and escalated both times to an Supervisor.

BOA tells me the Risk Department refuses to lift the hold.

Big problem with BOA, keeping my funds from me after the check already cleared.