davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
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. (CA)

I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe history and balance is reported inaccurately/incompletely. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed. 

Pursuant to 15 USC a consumer has a right to privacy. 15 USC 1681b Allows you to furnish a consumer report with my written instructions, however it does not grant consumer reporting agencies permissions to include any indication that they were granted that permissions on a consumers consumer report. 15 USC 1681 ( a ) ( d ) ( 2 ) provides that these types of transactions which are between the consumer and the persons making the report are PRIVATE and to be EXCLUDED from a consumer report. including this private information without lawful authority or consent of the consumer constitutes identity theft pursuant to 15 USC 1681.

If you determine that this dispute is frivolous or irrelevant, please provide me with the notice of determination within 5 business days containing the reason and information required to investigate the disputed information. Otherwise, please delete or modify this misleading information, notify the furnisher, and send me an updated copy of my credit file within XXXX business days after the completion of your investigation. 

Upon completion of your investigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this investigation. 

Lastly, please provide a description of the procedure used. If this investigation results in a deletion, please provide notification to all persons who pulled my credit report within the last 6 months.
Consumer complaint received 2024-04-01
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. (KY)

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions.
Consumer complaint received 2022-12-23
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)

I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-01
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 looked at my report on XX/XX/XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer report agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX has violated my right. 

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 an account without my written instructions.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

All our family has been a faithful customer of Capital One for over 20 years. Without any notice or explanation they simply closed our checking, savings and credit cards even when we always paid on time. 

Capital One is refusing to tell us why they closed our accounts. This placed a hardship on our family because many bills were being paid with the credit cards. My daughter was stuck in Collage without any means to pay for food or anything else until days later we mailed her another CC from a different bank. My wife could not pay for anything at the grocery store in total embarrassment to her in front of the store clerk and other customers. Many bills bounced all of a sudden and we did not know why since Capital One never bothered to give us notice or explain the closures. 

We always paid on time and never did anything illegal. Capital One did not allow us to explain anything since without notice they closed all accounts and are refusing terminally to tell us why. 

I know Capital One has been sued for the exact same reasons in cause no XXXX XXXX XXXX XXXX XXXX XXXX XXXX : on behalf of himself and all others : similarly situated, : : Plaintiff, : : Civil Action File No. 
v. : : ___________________ CAPITAL ONE BANK ( XXXX ), XXXX, a : National Banking Association, and even when they lost this class action lawsuit they continue doing the same wrongful actions against their customers. 

I want a full explanation and a reconstitution of all our accounts and CCs plus an apology.
Consumer complaint received 2022-12-23
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. (PA)

To whom this may concern, My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my behalf regarding the information on my credit files. Fraudulent applications were submitted under my name or identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report and on my credit file. I reported the theft to the Federal Trade Commission and have enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : Accounts : 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 XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-12-23
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. (PA)

To whom this may concern, My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my behalf regarding the information on my credit files. Fraudulent applications were submitted under my name or identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report and on my credit file. I reported the theft to the Federal Trade Commission and have enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : Accounts : 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 2022-12-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

According to the Federal law, I have a rights to an Fair and Accurate consumer credit report.You have failed to do so. Im demanding to know HOW DID YOU VALIDATE, VERIFY, this Debt by Federal law. Every month SOME companies are reporting newer accounts on my consumer report.

This is damaging to my FICO score continues artificially.

Show me physical contractual agreements with the reporting companies? 
According : FCRA. XXXX if not remove immediately. 

Violation of Section 807 15 USC 1692e Violation of Section 805 15 USC 1692C ( b ) Violation of Section 809 15 USC 1692g You have not provided me with Any Original signed contract agreements in PLACE with me and these Companies, nor any type of written permission to communicate with me. Yet they are Reporting on my credit report, which isa form of communication.I have also file a complaint with Federal Trade Commission about this reporting abuse to my consumer report.
Consumer complaint received 2023-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

While enrolled in the Public Service Loan Forgiveness program, I have made 180 payments on my direct student loans. For these 180 payments made while a Government employee, I submitted certification ( s ) from each qualifying government agency to the Mohela loan servicer. These certifications were uploaded directly to the Mohela website in XXXX. The Mohela website confirms that 180 qualifying payments have been made. This is 60 more qualifying payments than is required to obtain XXXX was told XXXX forgiveness of my {$41000.00} balance. I have contacted Mohela on two occasions to request my loan forgiveness status and also to inquire about my eligibility for a refund of my overpayments past the 120 payment threshold. I was told that, since I had made over 120 eligible qualifying payments, my student loan balance was going to be discharged and a refund of overpayments would be sent. This has still not occurred, even though it has been over 3 months since my last certification was submitted.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My name is XXXX XXXX. 
This has been the worst bank I have ever had in my entire life. 
I recently made a change of address and updated some personal information in my account. DEBIT CARD NUMBER XXXX. 
The bank has blocked all my access and has blocked my money for no reason. 
Currently I am sick in bed all the time and to mobilize it must be via authorization from my doctor and in an ambulance. 
My granddaughter and my grandson are in charge of helping me with my financial affairs, for example if I need to withdraw money from the ATM or to make an online transaction. 
So, why is the bank asking me to go to a branch if I can't go? I have not reported fraudulent activity on my account, never have. 
All changes and transactions have been authorized by myself, however, Bank of America has been arbitrary in blocking my access without my consent and wanting to force me to go to a branch when my health condition does not allow it. 
Therefore I just want the bank to proceed with closing my checking account and reverse the last transaction or deposit made to my checking account. 

If this situation continues and they refuse to help me, then my relatives and I will start a lawsuit where the bank is responsible for causing me a serious health problem, even where I could die, because under no circumstances have I reported unauthorized activity on my personal account. 

It's a shame how people, instead of providing a service, what they do is judge and mistreat customers.
Consumer complaint received 2023-06-17
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. (MA)

I am writing to file a formal dispute regarding the inaccurate information on my Equifax credit report. Despite my previous contact with Equifax on XX/XX/XXXX, they have not responded to my concerns. I kindly request your assistance in addressing the following inaccuracies : XXXXL XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$53.00} The XXXX XXXXXXXX account listed on my Equifax credit report was never late. I kindly request Equifax to correct and update this inaccurate information accordingly. 

XXXX XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$7400.00} The XXXX XXXX  account listed on my Equifax credit report incorrectly indicates a late payment. I request Equifax to remove the late payment designation from this account.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

called XXXX and let them know they ran my Equifax credit three times on multiple days on five different day. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked XXXX to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my Equifax credit report. I spoke to four different supervisors in the loan department at XXXX and was told they had a system issue. I recorded all the calls because I have a XXXX. I followed the federal under AMERICANS DISABILITY ACT regarding effective communication. I filed a lawsuit against XXXX Friday because my credit report was by the loan department. I am demanding the credit inquiries be removed because XXXX claims that they couldnt process the loan. I contacted Equifax and was told I need a letter.Equifax said inquires was verified.How can you verify something if five inquiries where ran for a single application.I gave XXXX multiple chances to fix the problems now I filed a Small Claims court lawsuit because XXXX refuses to send letter to or Equifax to get the erroneously credit inquiries off my reports. I spoke to multiple representatives and they said only run XXXX and they kept arguing with me.When call XXXX the automatic system says a pending application and will have response in two days. It is four weeks now the loan is not adjudication.
Consumer complaint received 2022-12-23
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CO)

Chase is cold calling me trying to get me to refinance or to open a mortgage with them. I do not have a mortgage with them but I do have several credit cards. 

I had told them I never agreed to marketing calls. They tried to flip it and tell me they were calling me to " provide assistance ''. I told them how is " providing me with assistance '' if I don't own the product and this was a blatant sales call they were attempting to reframe as " customer assistance ''. 

There was nothing to assist me with. My preferences on their site state specifically I do not want this kind of engagement. 

I reminded the lady there is a {$500.00} fine for each of these kinds of calls and she quickly got off the line.
Consumer complaint received 2023-06-16
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. (GA)

On XXXX XXXX a dispute was submitted for an unknown account on my credit report. I have no knowledge of this account. On XXXX XXXX. The account came back verified. I have not been provided any verification or any Information that confirms the validity of this debt. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

This same incident occurred with other unknown accounts being reported and no investigation is actually being conducted.
Consumer complaint received 2022-12-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2022-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2022, I contacted American Express customer service about not receiving my {$10.00} " AMEX DINING CREDIT '' for the month of XXXX. I made a valid purchase on XX/XX/XXXX named " XXXX $ XXXX Mon, XX/XX/2022 '' with the following details " Which Wich Total : {$15.00} Ordered : XX/XX/2022 XXXX Order number : # XXXX Contact Restaurant : ( XXXX ) XXXX ''. This XXXX transaction used my XXXX {$10.00} dining credit instead of XXXX which resulted in me not receiving credit for the transaction made on XX/XX/XXXX. The initial customer support representative was very understanding and told me not to worry. They noted this on my account and the credit will be taken as the XXXX credit instead of XXXX as they will manually credit my account for the XXXX transaction once I've made it. 

After I made the XXXX transaction for the AMEX XXXXining Credit, I contacted customer support on XX/XX/XXXX to manually credit the transaction. This time the customer representative was not helpful and told me they couldn't. They thought I did not understand how it works. 

I will provide the timeline of the transactions below : XX/XX/2022 - XXXX order placed for {$7.00} XX/XX/2022 - American Express credits my account for {$7.00} of the {$10.00} XXXX credit XX/XX/2022 - XXXX  order placed for {$7.00} XX/XX/2022 - American Express credits my account for the remaining {$2.00} of the {$10.00} XXXX credit XX/XX/2022 - XXXX order placed for {$15.00} XX/XX/2022 - American Express credits my account for {$10.00} for what was supposed to be {$10.00} XXXX credit XX/XX/2022 - XXXX  order placed for {$11.00} No credit received for month of XXXX XX/XX/2022 - XXXX order placed for {$10.00} XX/XX/2022 - American Express credits my account for {$10.00} for the {$10.00} XXXX credit I have receipts and further proof if needed. I do not appreciate the hassle to be able to claim this credit when I was initially told it will be given to me by the first customer representative.
Consumer complaint received 2023-11-03
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. (MS)

These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to the Southern District of Mississippi Bankruptcy Court- they do not report bankruptcies to any consumer reporting agencies and the information is only available in XXXX. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our misfortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. I have pointed out discrepancies across all 3 CRA 's ( INFORMATION IS ATTACHED ) and YET nothing has been done! XXXX is not reporting a Bankruptcy, TransUnion and XXXX reporting dates, closing dates, reference number, and name of the court does not match across the board ( I HAVE ATTACHED PROOF ) I DO NOT consent to updating ( you've already stated it was verified and STILL ALL 3 REPORTING INACCUATELY ) I REQUEST BLOCK/DELETION. No record of this bankruptcy is to be added back ever again. I request that it be removed within the next 5 business days, and send me an updated consumer report after deleting said bankruptcy. I will SUE IF YOU DO NOT ABIDE BY THE FCRA!
Consumer complaint received 2022-12-23
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)

According to the fair credit reporting act the list of inquiries have violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy.15 U.S.C 1681 section 2 604 A states a consumer reporting agency can not furnish a account with out written consent Inquires, also code 15 USC 6802 ( B ) has been violated .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