davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently viewed my consumer reports and noticed some unauthorized credit reporting. 
XXXX Mortgage reported late payments on my consumer reports in XXXX, XXXX, XXXX, XXXX & XX/XX/XXXX ; XX/XX/XXXX ; XXXX, XXXX, and XX/XX/XXXX. 

I never gave XXXX XXXX XXXX XXXX  written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. 
This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( b ) 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 on transactions or experiences between the consumer and the person making the report ; The company also violated 18 USC 1028A- aggravated identity theft because I never gave permission to share any information with a third party.
Consumer complaint received 2024-01-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

American Express AMEX gift card number XXXX XXXX XXXX expires XX/XX/year> security XXXX Balance {$100.00} I purchased this card for {$100.00} plus {$3.00} purchase fee I have not been able to use it as it gets declined everywhere. It has been declined at XXXX, XXXX, XXXX, XXXX. 

I called American Express customer support multiple times and was told there is nothing wrong with my card and to try using it again at another store.
Consumer complaint received 2023-11-15
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. (PA)

I have been disputing with XXXX, XXXX, TransUnion and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my XXXX consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by XXXX, XXXX, TransUnion and the other creditors ( Financial Institutions ). 

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY XXXX, XXXX, TRANSUNION AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).
Consumer complaint received 2023-04-22
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 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as 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 Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} Consider this as a follow-up to my previous complaint.
Consumer complaint received 2024-06-09
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)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer reportXXXX XXXX XXXX XXXX XXXX  - Furnishing certain deceptive forms- Please Update too Never Late. As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because l 've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently viewed my consumer reports and noticed some unauthorized credit reporting. 
XXXX XXXX XXXXXXXX XXXX reported late payments on my consumer reports in XX/XX/XXXX ; XXXX, XXXX, XXXX, and XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. 

I never gave XXXX XXXX XXXXXXXX XXXX written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. 

This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( b ) 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 on transactions or experiences between the consumer and the person making the report ; The company also violated 18 USC 1028A- aggravated identity theft because I never gave permission to share any information with a third party.
Consumer complaint received 2023-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Letters were recieved in XX/XX/2023 i Called today which is XX/XX/2023 XXXX actions have been taken By the company. Compant which is Transunion Keeps hanging up. i have recorded call of them hangimg up on purpose.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American First Finance, Inc. (TX)

XX/XX/year> Per Fair Credit Reporting Act FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of ANY AND ALL authorization, I the consumer may have given you written, verbally or unwritten or nonverbal per 15 USC 6802. 


Best, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

After reading a XXXX XXXX XXXX article entitled " Capital One XXXX XXXX XXXX  '' dated XX/XX/year>, I called Capital One 's toll-free customer service line and asked why my XXXX Savings account which moved to Capital One when they acquired ING Direct was not paid the same interest as Capital One was paying to XXXX  Performance Savings account holders. 

The customer service representative told me that this was an active legal matter and that the bank will not discuss it with me.
Consumer complaint received 2024-06-09
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)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. XXXX XXXX XXXX ] - Furnishing certain deceptive forms- Please Update too Never Late. As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because l 've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, Better Business Bureau, and Federal Trade Commission ).
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on XX/XX/2023 I sent out a dispute letter to all three credit reporting agencies about several accounts on my credit report that have inaccuracies. They have been non Compliant to responding to my request. I ask promptly for them to remove the following accounts that is harming my credit report. They have not have not followed 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. please see attached proof of the following letter sent to the credit reporting agenices. 

1. XXXX XXXX Account Number : XXXX Late payment status is reporting different amount of times to each reporting agency. 
2. XXXX XXXX  Account XXXX : XXXX Account is not reporting late payments to all credit reporting agencies. Please review and remove from my report for inaccurate reporting!. 
3. XXXX Account XXXX : XXXX Account is reporting postitive standing and reporting negative standing please remove account for inaccurate reporting on my credit report.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/XXXX I received a denial letter in the mail after filling out an application on line with American Express Card Company. After reading the terms and conditions on the back I called the underwriter department and asked them to send me in writing that I had gave them written consent to obtain my personal information from a third party company. They failed to acknowledge my request. I also informed them that I had pulled their prospective form along with their XXXX and XXXX filings which they didnt not abide by. I also reiterated that I gave them an application which is an security and in return I required for them to Issue me in exchange a Credit Card. I was transferred to an Manager on duty and was informed that they received my credit score from XXXX XXXX and with that Information I was not approved for a card. I Know that they violated my Consumers Rights along with Trust Indenture Act of 1939 ; Securites Act of 1933 ; Securities Exchange Act of 1934 ; 15 usc 1681, 15 usc 1682.
Consumer complaint received 2023-07-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To BofA CEO XXXX : a call from yet another programmed BofA rep. The bottom line is that as q long-time BofA customer I accepted an offer for a money transfer under certain no charge conditions and it was NEVER disclosed that to ask for an increase I would to have to wait three months or effectively AFTER the offer had expired. Because they say Im not a long-time customer. Well, I have been such a customer for over 18 years. So this is NOT about my credit. This is a bait and switch which I will report to the consumer protection agency. You need to be reminded with all due respect, sir, of the original intentions of the Bank of America in XXXX XXXX after the big fire at the turn of last century. To help people and be honest. The banks current rapacious scorched earth reputation is well deserved. A copy of this goes to the consumer protection agency. Please no more phone robot calls with various programmed individuals. Thank you.
Consumer complaint received 2023-04-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
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. (NH)

On XX/XX/2021 ( XXXX ) XXXX and or XXXX from collection dept at ( XXXX ) had lied to the credit bureau stating I did not make my my XXXX & XX/XX/2021 payment on my car loan. Please see attached ( XXXX ) electronic payment taken from ( XXXX ) in the amount of {$330.00} XXXX XX/XX/2021 Therefore XXXX payment was late/ missed but not XXXX. I been charged false late fees. By XXXX from XXXX XXXX   dept she added false late fee due to breach of contract. 
I believe XXXX from XXXX XXXX  is working with experian to hurt my credit I say this because I filed this complaint to experian not one not twice like 5 times along with NCUA twice showing my contract payment and my payment receipt now I'm showing my electronic payment I had to go as far as paying my bank XXXX $ a hour to look threw my acct and put together all my payment to XXXX Allow me to add I also filled complaint with CFPD on this a couple times here is one complaint # XXXX. If this complaint gets deregulated and closed I'd like the right to escalate this. Thank you
Consumer complaint received 2023-11-15
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-09-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: M&T BANK CORPORATION (NV)

I have made several attempts to make a loan payment on my account. I called numerous department phone numbers tried to pay my bill through the automated system and even tried to get into my account online. I wasn't able to retrieve my user ID or my password. Thier hours of operation are Monday through Friday XXXX to XXXX and those are the hours I work. I have no way of making a payment because there are no options to pay my bill outside of normal business hours. They changed their system so I haven't been able to log into my account in a long time. I need a way to pay my bill.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

In accordance with the fair credit reporting act XXXX  companies has violated my rights. 

15 USC 1681 section 602 states i have rights to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-09
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)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. XXXX XXXX XXXX XXXX - Furnishing certain deceptive forms- Please Update too Never Late. As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because l 've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2023-04-22
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: EQUIFAX, INC. (CA)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as 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 Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} Consider this as a follow-up to my previous complaint.