davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the equitable Credit Reporting Act ( 15 U.S. Code 1681 ) : ( 1 ) Accurate and equitable credit reporting is essential for the functioning of the banking system. The integrity of the banking system is directly compromised when inaccurate credit reports are utilized, and unjust credit reporting practices erode public confidence, which is vital to the system 's continued operation. 

Consequently, any violation of the FCRA has a detrimental impact on the operational effectiveness of the banking system. This constitutes a breach of my privacy regarding my consumer report, as I have the ability to determine which information is included and which is excluded. Reporting any accounts without obtaining my written assent constitutes an act of identity theft.

Both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 are violated by this. This results in civil liability for negligent and willful noncompliance with 15 U.S. Code 1681n against the credit reporting agency for accounts listed without my express written consent. The penalty for each violation is {$1000.00}.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

Hi I am having difficulties with American express. I had 3 american express cards which recently went under financial review. I failed the review ( due to paying my bills from my husband 's bank account when my name wasn't on the account ) they closed all my cards. That is not the reason for my complaint as they have rights to do that. ( Although that's a lousy reason in my humble opinion ) When they closed my cards ( on XX/XX/23 ) I had some points on my XXXX XXXX XXXX card ( I don't know the exact number since amex won't give me access online to my rewards ) I am now unable to use those points and they are essentially voided. I had earned those points by purchasing using my card over the years. Knowing that my account was probably going to be canceled I attempted to use those points before my card was canceled. This is something that typically can be done but there were technical issues in my case and multiple amex representatives told me that it's impossible. ( There are 2 ways to use points a )- as a statement credit which I was unable to do since I hadn't used my card in the past few months so there was nothing to credit and b ) to use on XXXX by pressing " buy with points '' which I couldn't either do since my card at that point was under financial review and you can't use buy with points when the cars itself can't be charged. I'm trying to retrieve those points which seems impossible and is the first reason for my complain. 

A similar issue happened with my amex business platinum card. I spent approximately {$85000.00} on it which should give me around XXXX membership rewards points ( since XXXX membership rewards points per {$1.00} spent on that purchase ) I was unable to use those points since they were only to become available on XX/XX/23 and amex canceled my card on XX/XX/23. Typically a customer would have 90 days to transfer those points out after being canceled by amex but since my points never hit my account before cancelation, it may be lost. Now in this case they still are looking into it and have provided me with a case number, but its likely to be a problem. Either way I have spent hours on the phone with amex and have lost over {$1500.00} in points with seemingly no recourse. Any help from the financial bureau would be helpful. Thanks
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC (FL)

On XX/XX/XXXX XXXX team of XXXX assigned to my case set me up for the deferral payment of the months from XX/XX/XXXX to XX/XX/XXXX XXXX payment required that day And my next payment until XX/XX/XXXX Per XXXX. Said I would get a confirmation letter next day. I called back on XX/XX/XXXX XXXX from litigations dept saying give u more time for SLS to send the confirmation letter. 
I have not received the confirmation letter please update me cause I dont want issues Id have to report it to the financial protection agency if I dont get back within XXXX hours Now as of yesterday I was told they didnt do it. This is unacceptable. I need someone form the corporate office to fix the issue of the reps that dont seem to be doing things correctly
Consumer complaint received 2023-01-12
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. (NJ)

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2023-04-27
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. (NV)

Dear Consumer Financial Protection Bureau, On XX/XX/2023 I sent certified letters asking the credit reporting agencies to verify inaccuracies on my credit report and send me proof. Over 30 days has past now and these items are still reporting inaccurately on my credit report. How are these accounts verified if the date of last activity, date of last reporting, date of opened and among other things are completely wrong? This is a clear violation of my rights!!! 

The accounts are : XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX The FCRA requires CRAs to take reasonable steps to ensure the accuracy and completeness of the information in consumer credit reports. This includes conducting a reasonable investigation when a consumer disputes information on their credit report. However, in my case, the CRA has failed to properly investigate my dispute and continues to report inaccurate information on my credit report. 

I believe that this constitutes a violation of my rights under the FCRA, and I request that the Consumer Financial Protection Bureau take action to ensure that the CRA corrects the inaccuracies on my credit report and complies with its obligations under the FCRA. 

If the CRA fails to properly investigate a dispute and continues to report inaccurate information, the consumer may have a claim under the FCRA for " negligent reporting. '' In such cases, the consumer may be entitled to damages, including actual and statutory damages, as well as attorney 's fees.

Additionally, if the CRA knowingly or recklessly reports inaccurate information, the consumer may have a claim under the FCRA for " willful noncompliance. '' In such cases, the consumer may be entitled to statutory damages of up to {$1000.00}, as well as attorney 's fees. 



I attached all evidence and supporting documents. Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-02-17
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (CA)

American Honda Finance Corporation ( AHFC ), doing business as Honda Financial Services reported a " late payment '' to credit agency without my written consent violating consumer law 15 USC 1681b and 1681A ( 2 ) ( a ) ( i ) The law stated : ( 2 ) Exclusions - Except as provided in paragraph ( 3 ), the term " CONSUMER REPORT '' does not include : ( A ) SUBJECT TO section 1681 s-3 of this title, any : ( i ) report congaing information solely as to transactions or experiences between the CONSUMER [ ME ] and the PERSON [ AHFC ] making the report. thus, the reporting violated my right as a consumer and I need for the " Late payment '' withdrawal and removed from my credit report immediately.
Consumer complaint received 2023-05-13
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}, XXXX XXXX XXXX : {$9200.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$71.00}, XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXX GA XXXX XXXX Balance : {$290.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX GA XXXX Balance : {$290.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX Original creditor XXXXXXXX XXXX XXXX XXXX XXXX Balance : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA (CA)

kia motor finace Account Number : XXXX bought the debt that i had no knowledge of they force this contract i paid to them knowing i didnt do any business with them i did business with kia of XXXX and they sold the debt to kia motor fiance i ask them for the orignal contract they upload on cfpb and at the bottom of the contract it showed that the company kia of XXXX sold it to kia motors i dont owe this debt and would like a full refund of every payment i made to kia motor and refund of XXXX and additional payment for frauding and harssle kia motor gave me on this knowing it wasnt a vaild debt. 
show proof i owe this debt. see attachment showing kia motor dont have no legal claim to the debt they said i owe.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc (OK)

I was onboarding with a company as a XXXX XXXX, had submitted all my documents ssn drivers license they gave me a schedule, i went for pre shift ride along with manager, andi got notification that checkr was running my background check. When they completed i got notification that the company was unable to offer me employment based on part or in whole based on information contained in the report including the following specific items in the report prepared by checkr inc the company reported informarion i have never been convicted of crimes, traffic tickets that were dismissed years ago and it states it was dismissed many years ago, these thingsare irrelevant today after XXXX  years but they caused me to no be able to work for this company as a XXXX XXXX
Consumer complaint received 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-23
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. (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 2023-05-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXX XXXX - XX/XX/2022 - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX - XXXX - This is not mine- this belonged to a patient who is no longer living. Remove this from my report. - Please remove it from my credit report XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Please remove it from my credit report
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

for the company to do what is fair and equitable to me as a consumer by removing any late payments on my credit report please correct the late payments on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as it is a violation of 15 usc code 1666b timing of payments, an account can not be treated as late for any reason inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-27
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (AL)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

After reviewing my credit report I found it has been reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX was late.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIRST NATIONAL BANK OF OMAHA (GA)

In early XXXX of this year, I downloaded their app and opened a savings account with XXXX XXXX XXXX XXXX On XX/XX/XXXX I funded the account with two transfers totalling {$51000.00} to the routing number ( XXXX ) and account number shown in the app, expecting the 5.25 % interest rate advertised at that time. When I received the attached statement, I discovered that there were actually two accounts, and my funds had been applied to a " Spending '' account instead of the " Savings '' account. The " Savings '' account number was different from the account number I had found in the app. The " Spending '' account accrued zero interest between XX/XX/XXXX and XX/XX/XXXX, when I discovered the problem and immediately transferred the funds to the " Savings '' account. I consider the fact that there are two accounts with no clear differentiation is very misleading, if not deceptive.
Consumer complaint received 2023-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WSFS FINANCIAL CORPORATION (DE)

On XX/XX/, I used my card to make 2 online purchases, pay for a XXXX XXXX appointment that I have paid on multiple occasions, grocery purchase and tried another online purchase. The last online purchase was declined and I received a text message to validate the transaction. I did with the code supposedly successfully. 
I was declined getting cash later that day. 
I attempted to call the fraud department and the call was cancelled stating a bank holiday. No 24 hr help was available. 
Over XXXX was available in the account and they froze my husbands card as well. 
The in-person transactions were in our local town.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

A JEFFERSON CAPITAL SYSTEMS account was opened without my consent or knowledge in XX/XX/2023. I dont even know what kind of account this is or what the company is. I have not applied or attempted to open any type of account for the past year. I tried to dispute this account through XXXX and they did not do anything about it. I have been working on trying to fix my credit, and this specific account made all my hard work go out the window when my credit dropped back down. This was done fraudulently and I am going to try every way I can to remove this account from my credit report.
Consumer complaint received 2023-03-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paypal Holdings, Inc (WA)

I applied for a Paypal Pay in 4 Installment loan on XXXX for the amount of {$890.00}. I have used the service many times in the past and are being denied and given a notice with an incorrect or fabricated reason stating the current balances are too high. My current balances with Paypal pay in 4 are {$200.00} and the only other credit I have with them is a credit card with a {$30.00} balance. When I reached out to a representative through their messaging center I was told " Because of to the latest system update we no longer have access to view the exact reason and explain the decision reason you've received as to why you were declined. '' I believe this to be a violation of 12 CRF Part 1002.9 which states " If credit is denied, the applicant must be given the specific reason for the credit denial. '' to which the paypal representative confirmed is not available to provide.