davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
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. (SC)

I did not ask to have alleged debt verified, or if said debt collector felt correct in it actions of reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney.

My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, convergent you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections.

You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that congress defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under 1681 N civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

In reference to my previous complaint about Bank of America Complaint ID : XXXX. They left a couple of messages to call back but when I call back it just goes to voicemail and I left several messages and they havent called back. It feels like They are using a robot to call and respond to my calls. 

They refunded me 2 months of monthly service fees and thats not enough. But thats also not what I asked for. I know what I signed up for. I just didnt sign up for them taking advantage of my low funds every month. And also low funds for other customers. And I want them to refund other customers they took advantage of and thats what I wanted to talk to them about but I cant send to get a hold of them. Every time they call me at work, I miss their call. They called 3 times and I keep trying to call back and leave messages. So I just put in another complaint. I wasnt about to add you the other complaint. Thank you.
Consumer complaint received 2023-10-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC. (GA)

I, XXXX XXXX XXXX recently went to XXXX XXXX on XX/XX/2023 located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I was looking to make a Consumer credit transaction for my first ever XXXX purchase. I test drove a XXXX XXXXXXXX XXXX XXXX which is listed at the value of {$47000.00}. I was looking to Finance the vehicle & I was not able to do so due to Credit Denial. I filled out a Credit Extension Application which was denied by over 5 Financial institutions. I was asked to make a down payment of {$5000.00} which I declined because I am aware of 15 U.S Code 1605- Determination of Finance charge ( illegal down payment ). I left the dealer & received adverse action letters from 5 financial institutions regarding the credit Denial. Only one financial institution disclosed the Amount Requested which is {$50000.00} on XX/XX/2023. My sources for this complaint are, Truth in Lending Act, Equal Credit opportunity Act, 15 U.S Code 1601, 15 U.S Code 1605, 15 U.S Code 1611. This Consumer Credit Transaction was done in good faith, exercised any right under the Consumer Credit protection Act. I've also shopped around for New and used vehicles at other dealers including XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX which I got the same results so I would like to include these dealer & financial institutions that they went through as well. The reasons for Denial based on my Consumer report does not represent the Equal Credit Opportunity Act which makes it unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex or marital status, age ( provided the applicant has the capacity to contract ), because all or part of the applicants income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. 

ATTACHMENTS Adverse Action letters .pdf ( XXXX MB )
Consumer complaint received 2023-10-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (GA)

On Monday XX/XX/2023 AmEx XXXX representative XXXX and I spoke, and he agreed to have a manager call me the next day at XXXX XXXX. XXXX hours later no has called. This is a broken agreement, and a violation of my rights.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America closed our bank account with no warning. Now they refuse to give us our money till everything is done. That date is XXXX. We have no money and my husband gets paid once a month. Stressed out to say the least
Consumer complaint received 2023-10-19
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. (NY)

XXXX XXXX XXXX  CHANGED information previously reported as accurate, on my Credit report more than a year after the account was closed I believe this was done maliciously in coordination with XXXX XXXX to cover up sloppy bookeeping. Dates of payments received were changed XX/XX/XXXX AFTER I disputed information from my Credit report that showed XX/XX/XXXX payment was paid & verified as ACCURATE by XXXX XXXX Transunion from XX/XX/XXXX through XX/XX/XXXX. My rights under FCRA are being violated. The information provided in my credit reports ( XXXX XXXX Transunion ) are unfair, inaccurate, incomplete & totally unverifiable!
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: HEARTLAND PAYMENT SYSTEMS INC (MN)

I attended XXXX XXXX during the period XXXX. I have paying off my loans since then and currently have one that is adjusted due to my low income. 
However, on approximately XX/XX/2023, I received a letter from the ECSI Federal Perkins Loan Service in XXXX XXXX, PA XXXX stating that I owed a past due amount of {$2100.00} on a loan I had never heard of. 

To further confuse the matter, I spoke with an agent at the Federal Perkins Loan Service and they said the school had no documentation on this " loan '' except a p/c of the original signed agreement. The school has no record, nor do I, of ever notifying me of the existence of this " loan '' or of any interest acquring. There is no record of why the interest accured, payment received, and why I was not notified. 

I dispute the existence of this " interest '' and question that after 23 years or so of no notice that I even am liable for such an amount. How can one acquire interest on principal that ( according to them ) has been paid or at least does not exist at this time. ( Principal Due : {$0.00} ) At the most basic level, this is an example of sloppy bookkeeping or just conjecture on their part. 

Further my personal situation is that I am XXXX, suffer from a XXXX XXXX, and my husband is XXXX ill with XXXX XXXX.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EGL US, LLC (IL)

I applied for the Appartmment at XXXX XXXX XXXX and the XXXXXXXX XXXX XXXX did a background check on me and a whole lot of inaccurate information popped up on my report, I applied on XX/XX/. The information that populated was BMG money inaccurate, XXXX XXXX inaccurate XXXX XXXX inaccurate, XXXX XXXX-Inaccurate -- XXXX XXXX XXXX XXXX  -- fraud -- Inaccurate, I have inaccurate information being reported more than once over and over again, XXXX XXXX  XXXX- should not be on my credit report XXXX XXXX owe nothing
Consumer complaint received 2020-05-17
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: Credit Plus Inc (TX)

On XX/XX/XXXX Credit Plus made an inquiry on my XXXX credit report. Because I never authorized Credit Plus to pull my credit report, I contacted Credit Plus demanding they show valid proof they have permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. Credit Plus never responded with any type of valid proof that they had permissable purpose to pull my credit report.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (NY)

Improper use of my credit reports under 15 usc1681-604a section2 Dates back from 10 years ago XXXXnow These companies keep reselling my credit reports once its sold its not my debt they keep misusing it
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

THISS INQUIRIES ISNT MINE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect
Consumer complaint received 2023-12-11
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (LA)

on XX/XX/XXXX someone tried to open up a new Chase Freedom Flex World Elite account. The letter stated that their unable to approve this account at this time. Also someone tried to open up a Chase account back of XXXX. This fraudulent has impact my credit score severe.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-10-19
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. (MI)

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 : 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 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I contacted Transunion through a 3rd party that they were not reporting my XXXX XXXX credit card properly and the amount listed was wrong. Transunion took the card off my account and did not correct the problem when contacted they said they can not put it back on my account because I was a secondary user. This card I have been used for over 6 months and have been paying the bills on it. When I contacted XXXX XXXX they said they gave it to Transunion and Transunion refused. This has affected my score, while other bureas have me at XXXX, Transunion has me at XXXX which is terrible. I want them to correct this and put the XXXX XXXX card back on my credit report
Consumer complaint received 2023-10-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TRUIST FINANCIAL CORPORATION (TX)

I have been reaching out to Regional Acceptance Corporation regarding a fraudulent contract and I did a cfpb complaint and Regional Acceptance Corporation decided to charge off the account. This account is also reporting inaccurate information on my consumer credit report.
Consumer complaint received 2018-05-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

sent letter to transunion onXX/XX/XXXXto remove a bankrupcty from my credit report and ant thing included in bankrupcty telling them that the courts do not report to credit agencies as in the fair credit act the in formation they are reporting as to be verified threw the courts and not third part vendor im not the only XXXX XXXX i also enclosed a letter with my letter that i sent to the bankrupcty court on XX/XX/XXXXand got feed back from the courts in which the court clerk sent my original letter back to me stamp with the bankrupcty seal to confirm my statement but they refused to correct my credit reoprt
Consumer complaint received 2023-11-13
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. (LA)

I recently received a copy of my credit report and noticed an unauthorized inquiry on it. This has hurt my chances of applying for a new credit. I demand that you remove this inquiry immediately. 
XXXX XXXX XX/XX/2023
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

Navient keeps touching my credit about every 2 weeks and causing my score to continuously drop. Drop allot. They are adding remarks, then removing them. I call and they have no knowledge of this or do not know how to handle it. Or they don't see a record of my calls etc. They are ruining things for me and should not be adding remarks every 2 weeks. Also stating I am in a natural disaster and then calling me, emailing me for payment and have no record of this natural disaster, was never asked about it or to enroll in it. They do as they please with my loans and credit score. I get nowhere calling. They keep losing record of calls and info.
Consumer complaint received 2023-10-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (FL)

I transferred {$200.00} on the WorldRemit app on XX/XX/2023. Due to technical glitches, the transaction was canceled. I was told by customer service that it would take nine business days for the refund to process, which never happened despite subsequent pleas ; it is XX/XX/XXXX today, and still no refund. Their customer service put me on a 30-minute hold, and the hold time kept increasing rather than decreasing.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I received a 1099 c form for tax purposes on a charge- off account. This debt is listed as payable income by me doing so. How can this still be reporting on my credit report it violates the FCRA and not only that several inaccuracies are constantly being reported and keeps being verified as accurate with no proof.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # 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 Enhanced Recovery I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-10-19
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. (IL)

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

Please update my address to : XXXX XXXX XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (PA)

Hi- Campus Partners are showing that I have several late payments for a studnet loan on my credit report in XXXX, but I have no idea who they are, they do not have a webiste that I can find and any contact phone number I did find ( on other university websites ) are out of service so I can not even contact them to find out what this is supposed to be about. I do not have oustanding loans and have not- my tuition at XXXX XXXX  Oregon was paid through a graduate teaching fellowship. I do not know what to do or how to get this off my credit report.
Consumer complaint received 2018-05-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (NJ)

Received letter, dated XX/XX/XXXX, from American Express Legal stating that I owed {$10000.00}, per agreement signed XX/XX/XXXX. I have repeatedly tried to get in contact with their attorney and they say there is a stipulation from XX/XX/XXXX, stating that I would pay {$500.00} a month. I never received this stipulation and never received correspondence from the attorney. I have been making monthly payments on the American Express website and as of the date of the letter, the balance on the account was {$9000.00}. When I spoke to two different representatives at American Express Legal, they both went back and forth on the amount of money that I owed. They both tried to say I owed {$10000.00} at different points in the conversation. That's also the amount listed in the letter. I made a {$550.00} payment today in good faith to try to show that I am working to pay down my debt. The current amount due is {$8500.00}. My understanding is that American Express can not collect a debt larger than what I, as the consumer, owe.
Consumer complaint received 2023-03-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I submitted a letter to Experian on XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT XXXX, and I'm including it again. XXXX XXXX  XXXX XXXX XXXX  {$630.00}.