davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (NJ)

AMEX, my XXXX report states that I have 5 hard inquiries from you guys. I did not apply for an AMEX product in the last 3 years. Please send me a letter via mail to the address on my CFPB file addressing XXXX to have those hard inquiries removed please. 
Again, - XXXX wanted me to contact AMEX - Get AMEX to mail me a letter address XXXX to have those AMEX hard inquiries deleted, as they were not mine. 
- If possible, please expedite the mail. 
Thank you As on my credit report, the dates from AMEX were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

On or around XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX for 5  years at a very high interest rate of over 17 %. So I refinanced the loan with America first credit union. 
I recently checked my credit report and the account with XXXX XXXX is listed as CLOSED even though it was paid in full. 

On or around XX/XX/XXXX America First paid off the loan on my behalf with XXXX XXXX and refinanced my XXXX XXXX XXXX thru American First CU for 2 years. 

On or around XX/XX/XXXX I again refinanced the remaining year of the XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. The loan was paid off in full by XXXX XXXX XXXX XXXX. 

Just like XXXX XXXX  listed the account as CLOSEDso did America First Credit Union listed the account Closed I have recently learned that closed accounts dings your credit reports big time. 

I have been on the phone with America First to change this but they insist the loan to them was not paid off by me therefore but closed out. I totally disagree with this because the loan between America First and myself was paid off.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (IN)

Getting a fair calculation of a credit score is beyond a major problem, It's XXXX XXXXXXXX bias to incorrect data! Data about the current scoring model shows that more than one in five XXXX consumers and one in nine XXXX consumers have FICO scores below XXXX ; meanwhile, one out of every 19 XXXX XXXX are in the sub- XXXX category. 
I certainly found out why that is true. I recently had loans forgiven and also paid down debt totaling nearly {$25000.00}. My score only went up XXXXXXXX XXXX XXXX XXXX I called XXXX on XX/XX/XXXX  and questioned the score. I was told that they had nothing to do with score calculations and that it is calculated by a computer after it receives certain information. I could hardly believe I was hearing this explanation. 
I was then told I had to work at making my payments on time and my score would raise a little bit at a time each month. I was treated like my score was in the low XXXX. I told her that my score was XXXX at XXXX and it's XXXX at Equifax. She was speechless. This certainly proved the scenario that I included in the beginning of this complaint had indeed some truth to it. The agent I spoke with talked to me as if I was another XXXX person with a bad credit score. 
Not only did the agent and supervisor think the XXXX XXXX score was fair, they let it sit on may report for 60 days before acknowledging it which purposely delayed the XXXX increase. XXXX XXXX! In what world is this close to being fair?! 
I am asking for my REAL credit score and for someone to examine the current scoring model that they use each day because it is definitely unfair and biased.
Consumer complaint received 2017-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Someone broke into my wife car, stole her driver license. Then broke into someone else car and stole their checkbook. Then wrote a check for {$1900.00} to my wife. Then using my wife driver license, went to the bank and cash the check. When the check bounced, the bank took {$1900.00} from our account to cover the loss. 
When we contact the bank we were told that this is not a simple fraud case and that we need to WAIT 60 BUSINESSES days before they can determine a solution. Obviously, the teller that cash the check didnt follow the bank policy and didnt confirm that the person that were cashing the check was not my wife. We have a police report and we also contact the bank on the day that my wifes identity was stolen to cancel our credit cards, checks, etc.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Other banking product or service
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Block, Inc. (OK)

SQUAREUP POS holding our money, don't let us deposit the money customers pay our service to our business bank account. Unable to contact customer service. Call customer service 10 times a day for 4 days but nobody answer only robots. Violation holding our money 90 days without asking for permission or any clear explanation.
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This company has the incorrect Party. I have written them, I have called them over the phone and they have confirmed once given my social number and address that they do have the incorrect party, yet they continue to attempt to collect a debt that is not mine and they have this erroneous debt listed on my credit report.     I want this off of my credit report. I did a dispute with the credit bureaus and they never investigated. Instead they provided my information to this company even after I provided proof of my  DL and Social to  the credit bureaus.     I do not have a contract with this company. They do not have anything with my signature listed on any form of documentation. Lastly, this is not my account. I have never had a  XXXX   XXXX  account.     NO CONTRACT!
Consumer complaint received 2017-03-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Colony Brands, Inc. (CA)

i ave been dealing with seventh ave for a very long time regarding a fraudulent account open on my name they have been given me the run around i have sent them all requested paper work and they say they have no received it. every time i disputed with credit bureus they say s been verified but when i request proof they never send me anything. I HAVE ENCLOSED PROPER THEFT AFFIDAVIT ND POLICE REPORT. At one point i even tried to settle this account because it was causing me so much headache but why should i have to pay something that i did n't do
Consumer complaint received 2024-03-25
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Foursight Holding LLC (AL)

At the purchase of my the car from on XX/XX/XXXX I requested that the sales man put my XXXX payment due on by the XXXX of the mth. My XXXX payment was due on XX/XX/XXXX. The finance company-Foresight capital took 45 days or more to send me the information and get it uploaded into their system so I was not able to make a payment. The information became available, the finance company had it due on the XXXX of every mth. I requested a payment due date change due to their error. The company made me pay XXXX for it. When payment arrangements were set the representatives stated that they could only be made 7 days before the payment drafts. I repeatedly let the representatives at Foresight capital know the funds would not be available orior due to me getting paid every 2 weeks. They drafted from my account in 5 days on more than one occasion which causes my account to go in overdraft. Then they added NSF fees to my car loan which when I pay the loan I constantly pay more and interest rates increase. I have notified Foresight capital that I filed a 1099A and 1099C with the IRS and their 1099c should have been received at their main office. They are still pursuing the debt by harassing me calling all times of day and night and harassing my references which I provided as income verification at the time of the loan, even though I have been sending in my payment coupons they have been accepting them and not returning them which is a cesti que trust violation.
Consumer complaint received 2024-02-29
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. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. As this my 3rd time trying to remove these items so I can buy a homeThis is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT furnish people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion, please delete my CLOSED credit cards on file, XXXX. XXXXXXXX XXXX XXXX reported on XX/XX/2022 XXXX. XXXX XXXX - reported on XX/XX/2022 XXXX. XXXX XXXX Services - reported on XX/XX/2022 My main address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE DELETE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and PLEASE ALSO DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-24
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. (DE)

This is my XXXX request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX : {$960.00} XXXX XXXX XXXX  XXXX Balance : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (CA)

I signed up for the Barclay AAdvantage Business Card on XX/XX/2023 for sign up bonus of XXXX miles and {$95.00} statement credit. I had until XX/XX/2023 to make a minimum {$2000.00} purchase for the sign up bonus. I didnt realize that annual fee does not count towards the minimum spending. I called Barclay on XX/XX/2023 where I was told that I met my minimum spending requirement and that my sign up bonus should be in my account in the next statement period, which obviously didnt come. I called again today and I was told that nothing could be done, even though I was given FALSE information by Barclay and therefore I didnt receive the sign up bonus.
Consumer complaint received 2023-06-05
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. (TX)

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 2023-06-05
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. (IN)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2024-02-29
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)

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. 

Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.
Consumer complaint received 2023-01-19
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
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)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Please update my current address to the following. I have included a copy of my Driver 's license I also want an updated credit report. 

XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, Texas XXXX
Consumer complaint received 2024-02-29
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. (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. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 


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 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am writing to file a formal complaint regarding discrepancies and violations found in my credit reports provided by credit bureaus ( XXXX, Experian, XXXX ). The inaccuracies detailed below have significantly impacted my financial standing and have caused undue distress. I request your assistance in resolving these issues with the respective companies involved. 

Discrepancies Related to Credit Acceptance : XXXX, Experian, XXXX : Misreported Payment Status : The account inaccurately reports late payments of over 180 days, violating FCRA regulations ( USC Title 15 1681a ).

Incorrect Dates : The reported dates for account opening and charge-off are inaccurate.

Inaccurate High Balance : Discrepancies exist in the reported high balance, impacting the accuracy of my credit report.

Violation of FCRA : The inaccuracies outlined above constitute violations of the Fair Credit Reporting Act ( FCRA ), including misreported payment statuses and failure to investigate disputes promptly ( USC Title 15 1681s-2 ( a ), USC Title 15 1666b ).

Damages : Emotional distress, pain and suffering, discrimination, and loss of trust and creditworthiness have been experienced due to these inaccuracies.

Request for Investigation : I request a thorough investigation into these discrepancies and violations in accordance with the FCRA. Please provide updates on the progress of this dispute until fully resolved.

Legal References : Various provisions of federal law, including USC Title 15 1681a ( 2 ) ( i ), USC Title 15 1681b, USC Title 15 6801-6802 , USC Title 15 1611 , USC Title 15 1691 ( a ) , USC Title 15 1692a ( 2 ), and the Consumer Credit Protection Act, support my claim of violations and inaccuracies.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (PA)

My Equifax score shows up as N/A or not available. None or my credit cards are reporting to this credit bureau and I don't understand why. I contact Equifax directly they were no help at all. I would like for this matter to be resolved immediately!
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NJ)

On XXXX I have submitted a credit card application on Wells Fargo application on line, Im an existing customer with Wells Fargo having a saving account has more than XXXX and my credit score as per Wells Fargo application is XXXX However my credit application was pending for few seconds then was declined right away. 
My complaint is because my score is good and my credit history is good however I still got denied I called the credit card department and it was like running in a circle with no outcome.