davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 34 % Balance {$150.00} Balance updated XXXX XXXX XXXX  Credit limit {$450.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX XXXX  Account type Secured Card tatus Account charged off. {$150.00} written off. {$150.00} past due as of XXXX XXXX 
Status updated XX/XX/XXXX Past due amount {$150.00} Highest balance $ XXXX Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-02-28
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. (PA)

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 2023-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current (MN)

I received an email asking for my Social Security number, photo of my ID and mailing address on XX/XX/2023. I verified this was a legitimate request through the customer service via the Current banking app, and provided the information. I received another email stating that my account was closed and would not be able to access the funds in said account, stating that they dont generally provide specifics related to the difficult decision to close your account and are unable to release any remaining funds on your suspended Current account.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, and XXXX XXXX with no successful resolution. Experian, and XXXX   only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I'VE DISPUTED THIS INFORMATION MULTIPLE TIMES AND NOTIFIED YOUR COMPANY THAT I AM A VICTIM OF IDENTITY THEFT. YOUR COMPANY IS IN VIOLATION OF 15 U.S.CODE 1681C-2. A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE CONSUMER FILE THAT THE CONSUMER IDENTIFIES THE INFORMATION AS RESULT FROM ALLEGED IDENTITY THEFT. IT HAS BEEN MORE THAN XXXX  DAYS AND THIS INFORMATION REMAINS UNCHANGED. THESE ACCOUNTS SHOULD NOT BE REPORTED ON MY CONSUMER REPORT AS THEY'RE A DIRECT VIOLATION. UNDER 15 U.S CODE 1681B- PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER WHO IT RELATES. I HAVE NEVER GAVE ANY CONSENT TO REPORT ANY INFORMATION ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. NOT ONLY DID YOUR COMPANY REPORT INFORMATION BUT YOU'VE REPORTED INACCURATELY, UNTRUE, AND INCORRECTLY. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.
Consumer complaint received 2023-02-28
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. (NY)

In Accordance with the Fair Credit Act XXXX account number XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 Section 602A. 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.
Consumer complaint received 2024-06-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SOFI TECHNOLOGIES, INC. (CA)

I enrolled in XXXX XXXX XXXX XXXX in XXXX with the deceiving tactics of indirectly hinting to guaranteed job placement in the film industry upon the completion of XXXX in XXXX with major in film and video production. To cover the expensive cost of tuition, I had to take a combination of private and federal loans. Some of the private loans structure were confusing and got sold out to different lenders before even finishing the school. In XXXX, after completing the program and graduating, they denied committing to any responsibility of job placement. At the same time, I start receiving multiple bills from different lenders. The XXXX XXXX bill had different loan interest rates than the previous lender issuer at XXXX  %. The number of payment became overwhelming and I refinanced all private loan with XXXX for a fixed interest rate of XXXX  %. I have been paying this for the last 15 years and still owe large portion of the principal. The school degree was not recognized in all my attempts to obtain employment. The school misconduct caused me a life long sense of failure. It has been discovered the school had operated with bad faith and many complains had shown it.
Consumer complaint received 2023-02-28
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information in my credit report. I recently obtained a copy of my credit report and noticed that it includes a charge off account with the account number XXXX XXXX 

However, I want to bring to your attention that the address listed on the report, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, is not my current or past address. I have never lived at this address and have no association with it whatsoever. 

I believe this inaccurate information has been reported in error and is negatively impacting my credit score. I kindly request that you investigate this matter and remove the erroneous information from my credit report.

As per the Fair Credit Reporting Act ( FCRA ) section 611 ( a ) ( 1 ) ( A ), I am entitled to receive a free copy of my credit report if adverse action is taken based on the report. Therefore, I kindly request that you provide me with a free copy of my credit report with the erroneous information removed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Paypal Holdings, Inc (NC)

On XX/XX/XXXX I applied for a loan through PayPal 's " Pay Monthly '' service for about {$420.00}. I was denied and the reason I was given for the denial was due to missing information about my credit score or history. 

The issue is I have applied for six different loans through this service and was approved without any issues. In fact some of the loans that I got approved for exceeded the amount I was applying for. 

When contacting PayPal 's customer support over this issue they basically say they can't fix it because their systems do a random background check. When asked if paying off any of the preexisting loans would help the process they simply give you a non answer. 

Additionally, PayPal 's application process says that this service can affect your credit score or history, but none of the credit bureaus that I have contacted have this information and they don't have any information regarding my on time payments for these loans.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I made a purchase at Best Buy with my Citi Bank card on XX/XX/XXXX for {$1900.00}. I set up automatic payments for the minimum due every month, besides I make bigger payments, and I requested Citi Bank to allocate them to my promotion. None of my payments last year were applied that way, and when I called Citi Bank, they said it was too late, after that they supposed to enroll me in a plan where any excess after the minimum would be applied to the promo. It didnt happen. This year alone I had made {$1700.00} in payments besides the minimum payment due every month and Citi Bank refuses to allocate them to my promo, they say its too late, but Ive been calling them over and over for the same issue. Promo expires XX/XX/XXXX and according to them I still owe {$980.00}
Consumer complaint received 2023-08-01
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: EQUIFAX, INC. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX : {$160.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX XXXX I was charged {$2100.00} on my Chase Card ending in XXXX from a merchant labeled as " XXXX. '' I did not recognize the charge and called Chase to initiate a dispute when I saw the charge. Ovever the past 18 months, Chase has refused to intiiate a dispute or explain to me why this is allegedly a valid charge. I have even had to contact the head of Chase, XXXX XXXX XXXX, about this issue. He has not responded to any of my emails. I have called the number on the back of my credit card numerous times and every agent has advised that they can not help me.
Consumer complaint received 2023-05-14
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. (OH)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (CA)

I am XXXX XXXX, an employee with XXXX. I have an XXXX Credit Card powered by Goldman Sachs and have been using it for the last 6 months. 

My current problem with the XXXX Card right now is the improper reporting of credit balance and the lack of periodic updates of my balance to credit bureaus every month leading the improper or invalid balances on my credit reports frequently, month after month. When I reach out to Goldman Sachs to get this fixed, I often get served with a cold response saying, " We are not obligated to report it every 30 days '', " We can not help you reporting the latest balance '', " We do not have an ETA when we will report the correct information '', " We reported the right information the last time, and we will report the right information next time but can not tell you when '' and so on. 

It has been a very unpleasant experience overall and has been significantly impacting my credit scores as my new balance is XXXX, but Goldman Sachs is not reporting it correct right now.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2023-05-14
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. (NY)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-25
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: OneMain Finance Corporation (TX)

Credit inquiries were put on my credit report without my permission. 

ONEMAIN Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXXXXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-05-29
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: EQUIFAX, INC. (IL)

On XX/XX/year> there was a letter sent to Equifax asking them to verify what I believe to be incorrect information about a few accounts reporting to my credit report listed as collections. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Consumer complaint received 2018-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CA)

1 ) I bought furniture from XXXX  through a XXXX XXXX credit card 2 ) I made the regularly scheduled payment until there was a charge that was not mine on the bill 3 ) The full amount was refunded while they researched the issue 4 ) they corrected the issue, however, the grace period of interest free was lost 5 ) The bill continued to be inaccurate 6 ) I payed off the amount of my furniture but now XXXX  is trying to collect over 5K in interest fees and finance charges. This can not be legal and in violation of consumer rights. 
7 ) I have received a letter from XXXX stating they agree with me that these charges are not accurate and do not hold me responsible for them. 

I ask that XXXX XXXX take the XXXX I have paid ( over the amount of the furniture ) and end this case. I will continue to fight for my rights as a consumer and will not let this go until this is observed. 

As a result my credit is affected which I have taken the care to build over the years. You will see from my credit history I have no other records of any issues in paying off my bills. So clearly this is an incident where I am a victim of illegal activity and fraud and I will not just hand over my hard earned money. I really hope that CFPB can continue to help me in this matter. 

Thank you so much for your help
Consumer complaint received 2018-03-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (TX)

My husband and i bought a car through XXXX XXXX and they went out of business. They sold the debt to another agency.Did have my permission to sell it. The abutration said that it cant be sold without my consent. Then that company sold the loan to a collection company. This debt is going from hand to hand.So from XXXX   XXXX to XXXX, to XXXX to some collection company. This has no rights to due business like this. Just keep passing all my information alone leaving it in anybody hands. I didnt know nothing about XXXX when they transferred. I did business with one company not 4.Violation of all our information
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of america allowed a bank account to be opened in my name. I called and they stated there was no add'l account but i had several emails stating it was opened online. In the weeks prior to the account being opened, i received fraudulent charges and the bank of america representative was not helpful in helping me with my issues. I asked why this kept happening to me and how it was an inconvenience to have to continuously change my debit cards, they had no response and no way to assure me the account or my information was safe. Unfortunately, a bank account was opened and i received no guidance, I had to call back a few weeks later due to the fact I received a statement for said account and the representative i spoke to advised me to file a police report because they could not be sure if my information was indeed secure. 

Also BOA has been the absolute worse at NSF, they WOULD OVER CHARGE AND CONTINUOUSLY CHARGE FEES.
Consumer complaint received 2016-02-24
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Executive Acquisitions Group, LLC (NV)

Customer kept calling my home ( at XXXX PST ) to threaten me with arrest for a debt that they refused to state what it was for or who the original creditor was. Called me 4 times in a row, then proceeded to tell me XXXX off and I was a XXXX for stating I would file a complaint against them. Name of the company ( supposedly ) as it appeared on my caller ID is Executive Acquisitions - phone number that came up is XXXX
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I paid off several debts over a year ago. The credit bureaus are still reporting them in a negative way. It is sayin too many delinquents, when there is no delinquents. It had caused me many denials, ans large deposits fir things. I have disputed over and over. It is emotional distress at this point.