davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
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. (IL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MI)

On XXXX I sent Self Financial Inc a notice to opt of out any and ALL authorization i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise. Also, reporting certificate of indebtedness on my report. which is considered income which can not be reported!
Consumer complaint received 2018-12-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ID Analytics, Inc. (MO)

I did apply with XXXX XXXX XXXX XXXX  ( XXXX XXXX ). I received a letter in the mail to state " We are unable to approve this application at this time, because information provided by credit-reporting agency has indicated the applicant is deceased. '' It further stated, " If this information is incorrect, we encourage you to contact the credit-reporting agency listed below. '' XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX I've attempted the toll-free number to contact the credit-reporting agency to report the information is false and I am, in fact, alive. However, my calls are unanswered and I've not received a call back. 

I believe this is a scam company and do not trust them. I hope they do not have access to my personal, consumer information.
Consumer complaint received 2023-10-20
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-13
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: Resurgent Capital Services L.P. (CA)

Some time this month i received a alert form my experian credit report. I log in to my account and saw a alleged XXXX XXXX XXXX off Debt. I disputed this debt. I have no knowledge of a XXXX XXXX XXXX XXXX. XXXX investigated this alleged debt and deleted off my experian report. Now LVNV Funding LLC XXXX to the same debt to XXXX for a different dollar amount claiming i owe them money. I have no knowledge of this company. This company did not contact me. The alleged debt reported to my XXXX the next day XXXX deleted it from my report This Company has caused me harm dropping my credit score. My new employment require me to have a good score in the XXXX XXXX
Consumer complaint received 2017-03-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I deposited XXXX tax refund checks into my primary checking account on XX/XX/XXXX. Both the checks were in my and my wife 's name. I deposited the checks into my account through ATM booth as I deposited the tax refund check of last year in the same manner as it got cleared. My wife also has her ac with Bank of America. She put her signature on the back of both checks as she did last time and made endorsement that she received payment and has no objection if the proceeds are credited into my account. Bank of America made a correction and retuadjustment when I saw this I called their customer service a representative said I will receive the adjustment notice and returned checks within 8/ 10 business days. I have talked several time with several agents and supervisors and they give different time frame for receiving the checks. Today is the 16 the calendar da I am yet to get back those checks.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I applied for a Pen Fed Credit Union credit card. I received my denial letter, dated XX/XX/XXXX. The credit card application number is XXXX, and the reason for denial was " We are unable to verify the identity of the applicant and/or the co-applicant ''. 

XX/XX/XXXX at XXXX pm, I requested the name in writing from the first Cust svc agent at XXXX. The agent refused, but instead shuttled me to the inside XXXX call center. XXXX has refused to provide me with a credit report, because they have false information on my report, have refused to remove it and demand that I present false ID that matches what they have on it. That call resulted of course, in nothing. 

XX/XX/XXXX at XXXX XXXX, I requested the name on my denial letter in writing from the second Customer service agent, at XXXX. XXXX stated the same, " We collect our information from XXXX. I can't email you anything, but we can give you the number for XXXX. '' I declined that as it is not what I requested or needed and XXXX has denied three requests plus false IDs. I asked for a supervisor. 

XX/XX/XXXX at XXXXXXXX XXXX the Pen Fed supervisor called me. I explained the same requirement as described in the Fair Credit Reporting Act. When a consumer is denied credit, the! ) Reason and 2 ) Source must be included in the denial letter. This supervisor said " We typically don't do that. '' I repeated that it is Federal Law, and I am entitled to that same form with the listed reason " Unable to verify identity '' along with XXXX as the source. She stated that she would see what she could do, because typically they get all their information from XXXX. I demand this properly formatted letter with XXXX as the source from PenFed Credit Union and a cease to their violation of the law.
Consumer complaint received 2023-12-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: AES/PHEAA (NH)

I borrowed " originally '' {$25000.00} - I deferred for 10 years - being a single mother raising XXXX children I could not afford to provide the care they needed and pay my student loans. In XXXX, I started working for the XXXX XXXX XXXX XXXX XXXXXXXX, full time. I applied for loan forgiveness, as it was my understanding working for a non-profit company/State or government company would allow for loan forgiveness. I applied for loan forgiveness around XXXX ( maybe earlier ). I received a letter that I " did not qualify ''. I have contacted my lender ( AES ) and they told me my loans are not eligible for loan forgiveness. By XXXX, when I could " almost '' afford to start repaying my loans, my new balance was greater than {$60000.00}. I did receive a few deferments in my early years of repayment but now am told I do not qualify for deferment. I left working for the XXXX XXXX XXXXXXXX  in XXXX and started working for the XXXX XXXX XXXX in XXXX, where I continue to work full time. I am a XXXX XXXX and I worked through the pandemic and while I love my job, working for XXXX XXXX XXXXs not a huge salary. I just put in a new application for PSLF and after filling this out a message came across the screen that " this program ended in XXXX of XXXX. I am frustrated and can't seem to get the answers needed to make this ridiculous loan amount affordable. I have MORE than paid back what I borrowed in XXXX and honestly, will never live long enough to pay this loan off. In the almost 20 years I've been paying on this loan it has only dropped a few XXXX dollars. This makes no sense to me. I really need some help and have no idea how or where to get it. You are my last option at this point. I don't understand how with all the billions of dollars being forgiven by our current political administration, how I, with a 30 year loan, that I have paid on for the last 20, do not qualify for any graces. Any help you can provide would be so greatly appreciated! 
Respectfully submitted, XXXX XXXX ( XXXX XXXX - loan name )
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TD BANK US HOLDING COMPANY (MI)

On XXXX i sent this company a notice to opt of out any and ALL authorization i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise.
Consumer complaint received 2023-12-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (WI)

XXXX XXXX and XXXX lists the status of the item for NMAC in three ways : charged off, written off, and past due. This is inaccurate and should be removed from my credit reports immediately. An account cant be listed as past due and charged off and written off. Please help me resolve this issue.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (PA)

Even if it's to talk to someone in Chime Headquarters. I request my account be opened immediately. I hope for an apology. I am desperate to get help. It has been very stressful, time consuming to being swallowrd in a matrix of red tape and run in circles going nowhere. I attached screenshots of email logs to emphasize the time and effort. This does not include online chats and telephone call.Would you kindly help me? I believe Chime still has to review money stolen from unauthorized purchases. I have submitted my state id ( expired and to be msiled to me ) along with a document from the state to accept my ID until my new card is maled, my social security card, and my US Veteran card.I have a social security deposit coming up in two day and bill to pay. 

Thank you very much for your help. 
Thank you very much for your help.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

I opened account with US bank using a promotion code of XX/XX/2023. I was told once my account had {$5000.00} in deposits I would receive {$300.00}. They have lied repeatedly saying they would research the account but dont have any intention of fulfilling the incentive.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/2023, I opened an Amex XXXX card based on a promotion offering XXXX points for spending {$8000.00} within six months. I confirmed the promotion 's application with an Amex chat representative named XXXX in XXXX, and she assured me it was being applied. Despite fulfilling the spending requirement, I have not received the promised XXXX Amex points.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On multiple recorded phone calls, latest being XXXX they verified my credit protection end XXXX but in my attachment it shows their last payment was in XXXX. In asking they pay all late fees and payments back dated to XXXX until now IMMEDIATELY. AND reported to beaurus immeditatey
Consumer complaint received 2023-12-14
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 and Transunion are reporting inaccurate and outdated information. All of the scores are very low and outdated. Per 15 USC 1681 ( s-2 ) a person shall not furnish information relating to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate information is in fact inaccurate under 15 USC 1681n Civil liability for willful noncompliance. XXXX, XXXX, Transunion has willfully reported inaccurate information that has caused tremendous amount of damage to my credit report and score. I have disputed all of the inaccurate information and the companies never did a complete and accurate investigation. 
There were 16 different name variations and also 19 different phone numbers, 3 different variations of my social security number as well. Also per 15 USC 1681b, there was no permissible purpose given for them to obtain any information about me for any credit. 15 USC 6802 states that a financial institution may not disclose any nonpublic personal information unless such financial institute has provided to the consumer a notice that complies with section 15 USC 6803 of this title. The inquires soft & hard, shows that this law has been violated as per CFR 313 Privacy Of Consumer Financial Information. All of the closed accounts and accounts in collection are paid accounts that are inactive on my credit report. these accounts are paid and the original creditor has settle the debt and the collection company has bought these accounts pennies on the dollar and are trying to collect on them. These are considered income, and are not suppose to be reported per CFR 313. Also per The Family Education and Privacy Act of 1974 educational and financial information is being reported by all 3 bureaus which violates my rights as a consumer.
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: EQUIFAX, INC. (NC)

there are late payments reported by XXXX XXXX XXXX  XXXX XXXX during XXXX XXXX pandemic.. according to the CARE ACT and The Hero XXXX XXXX XXXX creditors and credit reporting agencies are not authorized to report adverse information to consumers credit files during the XXXX  XXXX pandemic.. we are still in a pandemic and the days reported late was during the pandemic and therefore is unlawful. I demand XXXX XXXX XXXX XXXX XXXXXXXX Remove all adverse information reported during XXXX  XXXX pandemic.
Consumer complaint received 2023-02-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (VA)

XX/XX/2023 I had a unknown debt collection flagged on my credit report from the " CBE Group ''. Upon further investigation onto why this charge was put on my credit. I found the CBE group has multiple reviews showing they have done the same to other people who have taken legal action against the company for falsifying charges onto the credit report. I've contacted them through phone with NO reply and I've dispusted the charges on my account twice and they will not remove the false charges. I will be reporting them to the FTC if nothing on your end is done. This needs to be removed immediately due to I've been looking to buy a house and this unknown false charge is hurting my credit. Please assist me with this removal and flag this company for scamming.
Consumer complaint received 2023-04-11
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. (TX)

Ive made payment arrangements as I had financial issues and made my payments. Later I found out I was reported to the credit bureau without my knowledge as I was making my payments. I tried to talk to them to remove it and their response was, whats done is done. I never gave my consent to the report as I was making my payments. 

The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Consumer complaint received 2023-06-20
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: Navient Solutions, LLC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( NAVIENT ACCT # XXXX SSN XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clarify states that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (UT)

I am getting sick and tired and getting billed this bogus interest and I am giving you one more opportunity of getting rid of my debt. I have paid every part of that ring you are charging me wrong intertest fees and if you refuse to remove this time I will do it takes to fight fight and fight and I will even consider legal action all these are bogus charges and you have gotten every dollar for that ring all this left wrong interest fees so I am going to be nice and give you one last change to credit me and remove or else I am taking this legally and through abratation if you fail to comply this time.