davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

To whom it may concern, Im writing to inform you of my rights. 

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. 

XXXX XXXX XXXX : Account # XXXX, 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 an 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. 

This inaccurate information is hindering me from buying my family a home, getting approved for credit cards, and to buy a new car.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I opened the PENFED XXXX Savings Account in XX/XX/XXXX, they have a saving account promotion that offers {$150.00} bonus per {$10000.00} deposited. I deposited before their offer end date and keep XXXX before XXXX XXXX which is their bonus end date. After XXXX  days bonus paid period, I did not receive any bonus paid to my account. I called custoimer service today on XX/XX/XXXX. They said that I am not qualified for the bonus because I moved XXXX out in XXXX. However, I did keep their required amount XXXX in the account even after the XXXX deduction. On their offer, they did not mention anything NOT pull out the thing above XXXX will make me ineligible for the bonus!
Consumer complaint received 2023-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (DE)

On XX/XX/XXXX, I received an alert on my XXXX credit report. I immediately logged in at which time I had a perfect XXXX credit score. My score had declined by XXXX points for a collection reported by Radius Global Solution. I contacted XXXX  as soon as they opened to state this was not my account that they reported was opened in XX/XX/XXXX and they were collecting for XXXX. I demanded they remove it but they kept trying to tell me I must have forgotten about it. Having excellent credit, I am not that irresponsible to forget a {$790.00} service. After not getting anywhere I then contacted XXXX that could not verify the account belonging to me. Ive been a customer of XXXX for over 25 years straight and would not open a new account. After being transferred many times a Representative finally found an account with that was for a security system. I lived in an apartment development so there is no way I would have purchased this service since I didnt own the property. I was also told that the service request was opened and terminated the next day however the equipment was still mailed out. They verified that no service for this security system was ever active at the address. I am guessing someone stole the equipment if it was in fact mailed out. I was transferred to the Executive Office Of The President as my call needed to be escalated. I was told someone would reach out to me in 24-48 hours which they did and then told it was being escalated to a Manager to escalate. I didnt get another call. Today XX/XX/XXXX, I received another alert from XXXX that my dispute was completed so I logged on to find that it said it had been verified but now the amount changed from {$790.00} to {$350.00}. I again called immediately to XXXX Executive Office of The President who told me they had notified the collector to remove it as they show it as a zero balance. I told them that they reported it but with a lower balance due and did not remove it. The person told me she was sending an urgent message back to the Manager as what the collection company did is not what they were instructed to do. After the call I again reached out to the Collection company and asked why they didnt remove it. I was told by the Manager that they had just received the request today XX/XX/XXXX. I said okay but you were instructed remove it not try to still collect on it. He tried to over talk me insisting that they were updating it. I feel they thought I would not thoroughly investigate this and know that XXXX instructed them to remove it entirely. They were still trying to collect some form of payment fraudulently. I demanded that they remove it or I would be contacting CFPB and an Attorney. This company is using tactics to scam people out of money. If you dont understand credit and how to dispute it with resolve this company is going to burn a lot if people. I am sure they have done this to other people and they need to be stopped.
Consumer complaint received 2023-10-05
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. (MI)

To whom it may concern, Im writing to inform you of my rights. 

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. 

XXXX XXXX XXXX : Account # XXXX, has violated my rights. 
XXXX5 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.

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. 

This inaccurate information is hindering me from buying my family a home, getting approved for credit cards, and to buy a new car.
Consumer complaint received 2023-09-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (CA)

I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : XXXX {$1500.00} -XXXX  XXXX {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX {$690.00}
Consumer complaint received 2023-10-05
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

During the month of XXXX I accessed XXXX of XXXX available Stand by Cash from Huntington Bank XXXX That is 28 %. However. On the day Huntington reported to the credit bureaus my available credit dropped to XXXX. So Huntington bank reported to the credit bureaus that I used 56 % of XXXX XXXX dollars. But on the day I was granted XXXX line of credit my available credit was XXXX. XXXX immediately dropped by credit score by XXXX points. I believe my credit usage ( also called stand by cash ) should be 28 %.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (NJ)

In XXXX I received a NETSPEND card from my father in-law. The date of expiration on the case is " Good Thru XX/XX/XXXX ''. When I tried to use the card it did not work. I called the automated phone number and it indicated this card was expired. I spoke with the representative who was unable to help me, as I did not have exact date the card was purchase. Which my father-in-law doesn't have either as it was sometime ago and those records were lost. I do not believe that a pre-paid card should go to waste because the date of purchase can not be recalled. 

I've attached a screenshot of my unable to register the card and one of the card 's expiration date.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion claims that since I filed a dispute on XX/XX/year> about a XXXX  in dispute that I don't have access to my FULL credit report and I have to call them to unpack information in my credit report. I have disputed inaccuracies before and have never been obstructed from accessing my credit report on their website. Also this is the credit report the SBA uses to approve XXXX loans and the XXXX  account on TransUnion has been the barrier to accessing my SBA XXXX loan.
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (LA)

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 2023-07-09
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX is showing that I still owe a debt to Bank of America credit, that is incorrect. I did a balance transfer from my XXXX card to pay the total amount of my debt to Bank of America on XX/XX/23 and I have an email and documents attached to prove it. XXXX has not updated this information and it has caused an increase of 7 % on my credit usage by adding the debt I owed and the balance transfer to XXXX card showing I owe total of {$10000.00} and that is incorrect. 

This is now the second time XXXX has made a mistake on their reporting that has affected my credit and I am filing a complaint to correct this mistake and restore my credit usage to what it was.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IN)

My bank account of 8 years was compromised/hacked on XX/XX/ while I was on business in a different city I didnt notice this was happening until I had came back home and seen my account was used to deposit fraudulent checks and transfer money to random people Ive never transferred money to before the total amount that was deducted from my account was a total of {$2800.00}. I proceeded to call Huntington Bank and their fraud department and let them know what has happened and that all I could do was open a new bank account and wait while they investigate what happened. They proceeded to say the transactions were valid and I now have to pay that amount out of my pocket. I continue to press them and inform them that these transactions were not authorized by me and needs to be fixed. It is now nearly a month later and I have yet to hear a response regarding this situation.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

AFTER REQUESTING DOCUMENTS TO SHOW PROOF THESE ACCOUNTS BELONG TO ME. THE COMPANIES DID NOT SHOW SUCH PROOF. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED AND NOT SHOWING PROOF THESE ACCOUNTS BELONG TO ME.
Consumer complaint received 2023-10-05
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. (MA)

XXXX THESE ACCOUNTS, IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE INQUIRIES WERE NOT AUTHORIZED. REMOVE 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 2023-10-05
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: EQUIFAX, INC. (MA)

XXXX  THESE ACCOUNTS, IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE INQUIRIES WERE NOT AUTHORIZED. REMOVE 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 2023-10-05
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. (IL)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2023-04-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 XXXXXXXX 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

n accordance with the Fair Credit Reporting act XXXX Account 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 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 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 2023-06-15
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. (FL)

A COLLECTION XXXX XXXX XXXX APPEARED ON MY TRANSUNION, XXXX AND XXXX. THIS ACCOUNT DOESNT BELONG TO ME. PLEASE REMOVE FROM CREDIT BURUEAS
Consumer complaint received 2023-04-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

So I've been trying to figure out the extra fees double charges that's been going on with my checking and credit line with bank of america. 
I see a fine was presented for them to compensate their bank members. Due to double charges and extra fees that placed me in negatives ( unable to pay other bills ) really set me back.
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (CA)

I have several balance transfers on my Discover card. I have been doing this for years, and they have always applied my payments to the oldest transfer balance first. 
As I reviewed my statement this month, I realized that they are applying most of my payment amount to the 0 % balance transfer, which expires in XX/XX/XXXX, and them to the one with the highest rate, which expires in XX/XX/XXXX. That means that none of the payment is being applied to the balance with the transfer rate that expires in XX/XX/XXXX, and they are adding the interest to that balance. I asked them when they informed me of this change, and she could not tell me. I also asked if I could make an additional payment of {$1100.00} to pay off the balance due in XXXX so that I could avoid having to pay the 24 % interest on that amount after XXXX, and was told the only way I could do that would be to pay the minimum payment of {$300.00}, plus the entire balance with the 5.99 % rate ( which doesn't expire until XX/XX/XXXX ), plus the entire amount that expires in XX/XX/XXXX, which totals more than {$4700.00}. 
My complaint is that they changed the way the charge interest on multiple balance transfers, and did not inform me. I'm not even sure if it's legal to charge interest this way and not allow me to pay off a specific loan balance ( i.e. the balance with the transfer rate that expires in XXXX ), but I find it unconscionable. It's designed to make me unable to pay off the balance I incurred first by the time the transfer rate expires. The balance amounts subject to interest rates on my XXXX and XXXX statements are below. I made a payment of {$500.00} in XXXX. 
I hope you can help me with this situation. Thank you. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 2022-12-09
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. (DC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Balance : {$420000.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$13000.00}