davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I filed a complaint back in XXXX of 2020 against a company called XXXX XXXX for taking unauthorized payments out of my account. I requested for my cancellation of membership with this company in XXXX, XXXX and XXXX, yet they continued to take money out of my account for leads. When I originally filed the complaint with Bank of America a credit was given to me until the investigation was complete. During this time XXXX XXXX continued to take money out of the account even thought I requested for the unauthorized payments to be stopped from this particular institution. The credited amount was then reversed because Bank of America stated that the company said I was still a member. I was not and have the supporting documents to prove so. When it was time for me to submit the documents that supported my claim I was no longer able to access my account due to other fraudulent activity on the account. Since then none of the money was able to be refunded back to my account.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

During the COVID-19 pandemic, my state was in lock down and my employer was closed. I contacted all of my credit cards for some assistance and capital one was the least helpful. During this time, I made 5 late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Once I obtained employment again, I was able to catch up on my payments and have not had any late payments ever since. I reached out to Capital One via telephone to see if they can lower my interest rate as it is astronomical and I have been trying to pay off this credit with little luck. They told me they are unable to do so. I also asked if they can review the late payment history so it can potentially be removed from my credit report and evidently, they could not help me with that either. I have multiple other credit cards and this is the only one that is reporting missed payments during a global pandemic. They refuse to help me in this situation and this is impacting my credit score greatly. I do not believe that I should have this reflected on my credit report for 5 years when the entire world was struggling to pay their bills. I have proven to be a good customer and have remained in good standing since my employment continued.
Consumer complaint received 2023-08-01
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kwikcash, Inc. (TX)

I sent debt validation paperwork to XXXX XXXX XXXX on XX/XX/2023, XX/XX/2023, and XX/XX/2023. XXXX XXXX XXXX mailed a generic response that they received my request but never provided the paperwork and underlying supporting documentation. The collection account listed on my credit file was deleted in XX/XX/2023 and then added back in XX/XX/2023 while being illegally re-aged. No debt validation paperwork has been received.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 



XXXX XXXX, XXXX, and Equifax have 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 or 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 data is inaccurate.
Consumer complaint received 2023-04-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Why does the interest rate keep going up? I thought the interest rate stayed the same because it was a student loan. I can't afford to pay this steady increasing interest rate. Also I thought this loan was supposed to be discharged because of illegal practices of XXXX XXXX XXXXXXXX?
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XX/XX/ I submitted letters to the credit bureaus informing them about inaccuracies that appeared on my credit profile. I haven't heard anything back from them and it's been over 45 days. I feel like I am being taken advantage of and I will take this matter to court if I have to. These inaccuracies are holding me back and is causing me a tremendous amount of stress. I found out recently that I was impacted by multiple data breaches, and I know for a fact that somebody had access to my information. Section 611 ( a ) states failure to respond within 30 days should result in automatic deletion.
Consumer complaint received 2023-09-27
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/ I submitted letters to the credit bureaus informing them about inaccuracies that appeared on my credit profile. I haven't heard anything back from them and it's been over 45 days. I feel like I am being taken advantage of and I will take this matter to court if I have to. These inaccuracies are holding me back and is causing me a tremendous amount of stress. I found out recently that I was impacted by multiple data breaches, and I know for a fact that somebody had access to my information. Section 611 ( a ) states failure to respond within 30 days should result in automatic deletion.
Consumer complaint received 2022-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (FL)

The company Barclays had me on auto pay throughout my year and half with them. They had given me an annual fee and I was not aware nor did I receive a message knowing the fee was due and I did not get a chance to pay it on time. If I was aware of the amount posted I would have paid in full as I am in autopay again. 
The annual fee of {$99.00} is paid now and I hope to get statements on time prior to my payments.
Consumer complaint received 2022-12-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXXXXXX XXXX {$8.00} ommitted, missing -- - CITIBANK account after purchasing gas XXXX XXXX  for {$25.00} XXXXXXXX XXXX XXXX  Other complaints have been made for theft @ CITIBANK XXXX XXXX XXXX  Only one customer service representative to address account.

They were cleansing -- a coffee scent They have the tellers completing IRA paperwork Could not find paperwork Mash potatoes and gravy XXXX XXXX XXXX XXXX XXXX XXXX, the teller, will ask the clerk at the desk for the paperwork and they could not find the sheets or forms and did not know the codes to access the computer. 
XXXX was trying to put her son in my XXXX to cleanse him. 
Stated we clean with your soul. 

The clerk at the desk discriminated based on hair texture and will then state you are here just for cleansing we are the ones stealing your money from the account. 

A XXXX could be heard on a loudspeaker stating to 'us you were not a XXXX ' that is why we treated you this way. 

Germans are for cleansing and diluting. 
I could not believe you are a XXXX. 

Filed several complaints for discrimination from Citibank on behalf of their representatives. 

They were performing vodoo as they held the paperwork. Representative stated we are trying to put our XXXX on you cause we get and work at bank.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance : {$790.00} ; XXXXXXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX : {$710.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX ( XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX Balance : {$2800.00} XXXX XXXX XXXX  XXXX Balance : {$310.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX 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 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 2018-12-05
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. (CA)

I have a loan with 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 TransUnion and XXXX XXXX   with no successful resolution. XXXX XXXX only reporting me late. There was definitely an error on their part. I was never 59 days late.
Consumer complaint received 2022-11-26
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: Experian Information Solutions Inc. (NC)

I have attempted five times this past year ( 2021 ) to obtain a copy of the Experian Business credit report for my business, XXXX XXXX XXXXXXXX. Experian has failed to even respond to any of my requests, against federal law, albeit for a business.
Consumer complaint received 2022-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (MI)

I have been eligible for the discharge of my student loan balance of {$120000.00} since XXXX XXXX. As a federal government employee since XX/XX/XXXX, I have made XXXX qualifying payments under the XXXX XXXX XXXX XXXX program. It is now XX/XX/XXXX and I have received no discharge from Mohela, my federal loan servicer. Mohela has not acted in good faith or expedience in communicating with me and discharging this debt under a reasonable timeline. I request that they be contacted to process my discharge or provide an explanation as to why they continue to delay this discharge.
Consumer complaint received 2022-12-10
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. (VA)

In accordance with the Fair Credit Reporting Act, DEPTEDXXXX XXXX # XXXX DEPTEDXXXX XXXX # XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEP ED XXXX XXXX XXXX US DEP ED 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 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The company will not practice compliance when dealing with my report. The high standards of accuracy is not being practiced. They are not providing me the necessary information to fix my report in which it will reflect complete information that is important and will reflect my true credit profile.
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (CA)

Experian needs to reinvestigate The following inaccurate information once again. 

I am federally protected consumer. They are in violation of the FCRA XXXX United States Code XXXX Permissible Purpose : XXXX XXXX Code XXXX - XXXX XXXX XXXX Compliance Procedures- Accuracy XXXX XXXX Code XXXX - Family Educational Rights and Privacy Act ( XXXX ) - XXXX applies to any public or private elementary, secondary, or post-secondary school. XXXX XXXX XXXX ( b ). Experian is reporting XXXX loans accounts multiple times which are a violation as well.
Consumer complaint received 2024-06-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (UT)

In XX/XX/year> someone tried to apply for a credit card fraudulently in my name. We called Chase and they shut that account down. However, ever since then we continue to get emails about an account to my & my wife 's email and with my first name. The emails report the % of balance used, when the balance is paid and come from XXXX. So somewhere my first name and our email are connected to an account that is not mine ( I do not have any accounts with Chase ). We have called Chase several times and they keep transferring us between fraud, customer support, and tech support and say they can not do anything about it. They say they can not search by an email ( which they should be able to search for since it is an element in their database ). After multiple attempts to resolve with Chase I am reaching out to you for help as my name and our email are being used fraudulently and without my permission and Chase refuses to rectify the situation. If you are not the correct agency to make them fix this, please let me know who to report to.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2023-11-09
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: McCalla Raymer Leibert Pierce, LLC (GA)

XXXX XXXX XXXX along with their foreclosure attorney, McCalla Raymer Leibert Pierce , LLC, has violated many aspects of the Fair Debt Collection Practices Act, including the nonjudicial foreclosure sale of my mother 's ( XXXX XXXX XXXX ) on XX/XX/XXXX, which was facilitated by XXXX XXXX XXXX XXXX XXXX I requested documents from XXXX XXXX  XXXX on XX/XX/XXXX, which were never provided. I submitted civil lawsuits against XXXXXXXX XXXX XXXXXXXX and McCalla Raymer Leibert Pierce , LLC to the United States XXXX XXXX, XXXX Georgia, XXXX Division. XXXX XXXX XXXX dismissals of XXXX and XXXX were done with prejudiced, bias, partiality, lacked integrity and neutrality and when I pointed out how his responses to my submissions with supporting evidence were in conflict to XXXX XXXX XXXX and Georgia 's Judicial Qualifications XXXX XXXX XXXX supported XXXX decisions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX regarding XXXX and XXXX XXXX financially influenced XXXX XXXX XXXX and XXXX XXXX XXXX regarding XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX both have violated Federal Judicial Ethical Canons XXXX and XXXX and Violated Georgia Judicial Ethical Canons XXXX and XXXX, by allowing XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX XXXX XXXX financially influence him.
Consumer complaint received 2022-12-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

To whom it may concern : On XX/XX/2022 I disputed and requested debt validation on account number XXXX XXXX XXXX Solutions which claims I owe {$2500.00}. To date I've yet to receive viable evidence bearing my signature, only a response from XXXX XXXX XXXX stating that would instruct to the bureaus to delete any updates they have placed on my credit profile. Which has not been done, I've suffered tremendously due to this inaccuracy on my credit. My right to extend credit has been damaged to a great extent. As a result, I've been discriminated against and refused the following. 

XXXX. XXXX Credit card XXXX. XXXX XXXX XXXX residential According to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I'm also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. There is no law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.
Consumer complaint received 2023-04-24
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: Fidelity National Information Services, Inc. (FNIS) (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX - Needs to be removed payment plan paid in full still reflecting on my current Credit Report. 

* CheckSystems - Removal