davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I thought I closed my USAA card account over one year ago. I received a letter in the mail stating that I can opt out of USAA sharing my personal information. I called USAA and was told I needed to verfiy my self which I tried to do by answering questions. This failed and I was not allowed to opt out. I was then told that even though my accounts were closed : Once a USAA member always a USAA member. 
I again contacted USAA on XX/XX/2021 with the same request and was told that to opt out of their sharing my personal information, I needed to send in copies of both sides of my drivers license. I feel that this requirement is silly and stupid! My USAA number is : XXXX. The last four of my social is : XXXX. If you are unable to resolve this issue please let me know who I need to contact.
Consumer complaint received 2023-03-04
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, this account is a collections 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 : Also States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MN)

I applied for a Discover Secured Card. I was denied based on " Status of existing or prior Discover Card Account ''. When I contacted Discover, I was advised that my previous card was not closed, as reported to the CRBs, but REVOKED. I asked why, and was told that the revoked card was due to a delinquency from another card ( XXXX ), which was an error on my credit report and has since been removed. Discover said that even though the previous account was closed due to the error, they will NOT remove that status, and with that Revoked status, I am denied credit. 

So essentially the error is still a factor in my application and I am being denied credit because Discover is using information from a 2015 credit report that contains an error instead of using the updated report which has no derogatory information. 

I believe this is in contravention of the Fair Credit Reporting Act. Discover is basing a decision to deny credit using outdated information and is refusing to use current data. 

I have requested that Discover reconsider using current information, and was told because of the derogatory notation, " at that point in time '' ( 2015 ), my application would NOT go forward.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

Subject - Ref. XXXX / Disputed charge of {$260.00}. XXXX Dear Customer Service, On XXXX, XXXX XXXX, I made an on-line reservation to obtain a hotel room at approximately XXXX. I checked out the hotel at XXXX. In the parking lot, there was an incident with my son where he was called a derogatory name. ( He was called the XXXX word. 

I went to tell the front desk, but they were busy. My family did not feel comfortable. I called XXXX customer service immediately. ( The time was around XXXX. ) They provided verbal confirmation that this hotel room would be cancelled. 

I was also communicating through the chat where they told me the same thing. They were very apologetic. 

I had the room on hold for maybe two hours. We never checked in. XXXX XXXXXXXX or XXXX  was not harmed in any way. Due to the mishap that my family experienced on the property, I never doubted that XXXX would not honor their word and reverse the transaction. They could have done that immediately. 

To my dismay and to my surprise, they send an email that they would not refund my money. I was very confused. 

As a long time and loyal American Express customer, I was confident that American Express would take up for me in light of these circumstances. 

Consequently, I did ask XXXX if I could receive a one-night hotel stay in lieu of the refund. I was refused.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

I had a removed credit on my account for {$570.00} that says open balance and it was reinserted on my account ; but I no longer have any access to this account nor did I sign off I keep getting calls from different debt collectors!
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NJ)

I obtained a report from LexisNexis and they are reporting a bankruptcy on my report. I disputed this information as the bankruptcy information is incorrect. Under the FCRA, only information that has been verified and is accurate is permitted to be included on my report. LexisNexis states that they verified the bankruptcy through PACER ; however, PACER does not verify that information contained within their files is accurate pursuit to FCRA guidelines. Furthermore, the Bankruptcy court does not verify information either. As a result, LexisNexis is violating the law with respect to reporting this bankruptcy on my reports.
Consumer complaint received 2022-12-11
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. (IL)

Pursuant to 15 USC 1692a ( XXXX ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? Technically debt is a twofold word, it is any obligation or an alleged obligation and you can't choose both. TransUnion LLC Consumer Dispute Center is basically making it an obligation for me to pay on adebt without my direct consent. I XXXX XXXX the consumer never gave TransUnion LLC Consumer Dispute Center any written consent to report anything on my consumer report. No consent is Identity Theft.
Consumer complaint received 2023-09-04
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: JPMORGAN CHASE & CO. (FL)

Upon reviewing my credit report from XXXX, XXXX and XXXX I noticed two recent credit inquiries made by Chase Bank on XX/XX/XXXX and XX/XX/XXXX. These inquiries were made without my consent or knowledge. 

I would like to clarify that I have not initiated any credit applications or transactions with Chase Bank during the time frame indicated in the inquiries. My account has been closed and i am not able to bank with chase. 

These unauthorized credit inquiries have the potential to negatively affect my credit score and overall creditworthiness, which is a matter of significant concern to me.
Consumer complaint received 2022-09-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (WI)

I am writing in regards to the collection with XXXX XXXX. They are trying to collect {$940.00} for Comenity Bank / Boston Store. I spoke to them on XX/XX/22 and I requested an itemized bill. Also, Boston Store went out of business about 3 years ago. I spoke to a XXXX XXXX who said she would send verification. To this date, XX/XX/22, I have not received verification from them. I also called them again 2 weeks ago to request the verification. The representative argued with me and still has not sent proof that I owe this bill. I tried to dispute the item with XXXX and it came back saying that the case that the dispute investigation was done. I know I do not owe this bill. The collection agency has failed to provide me with proof. I want this to be removed from my credit record.
Consumer complaint received 2024-04-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MO)

I am opening up another complaint to further my previous complaint that was closed - I opened a complaint how I asked for options repaying my account in 2020 and was provided no options other than repay account or go into default if missed. I wrote my entire complaint out under XXXX and Navient responded saying that they made a mark on my credit report that I denied not paying in 2020 for 3 months. The actual complaint I have that seems to be missed here is that I called Navient at the height of the panademic in 2020 because I had to find new employment and I was told to either pay or go into default from not paying loans. Those were the XXXX options I was given. The issue wasn't that I am saying I didn't not pay - the issue is that I HAD to fall behind and was offered no options from Navient. I would assume if you run into financial hardship a company financing loans would have options to offer but they did not and that is what my initial complaint and this complaint are about- the fact that I had no choice because of having no employment that I called Navient to see what options could be offered and I was literally told there were no options for my student loans. This is almost $ XXXX payment and they were able to offer XXXX options for repayment during pandemic/finanicial hardship due to pandemic. It seems highly unfair that there were XXXX options offered and now as a result- I am trying to consolidate loans to actually be able to pay off these loans that are almost at a 20 % interest rate and I can not consolidate due to negative remarks from missing those handful of payments in 2020. That is what my complaint is about.. not saying I paid those months I missed. It's also highly unfair that I now have some remark on my account that I refuted saying I missed payments. I understand it's my job to reach out to the company - and I did and was offered XXXX options. Now as a result I am unable to consolidate these loans and get out of predatory lending practices to actually be able to pay off these loans.
Consumer complaint received 2023-09-11
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-08
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. (GA)

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-11-09
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. (TX)

XXXX XXXX XXXX with account # XXXX opened on XX/XX/2016 and a balance of {$2000.00}. 


I believe this account is inaccurate and should be removed from my credit report immediately. Please verify that this is a previously removed collection/Charge-Off. The information on this account is extremely false and fraudulent. i have sent several credit dispute letters involving this account and it was removed from my equifax report then added back months later. I need this removed from all my credit reports and also this is over 7 years. please delete this!

This is against the Consumer Financial protection bureau and this Company is violating the Debt collection practices.

I am aware of my rights under the FCRA, and I believe this collection account is not valid. I expect a timely response to this dispute, as required by law. Please conduct a thorough investigation and remove this account from my credit report if it is found to be inaccurate. I kindly request that you respond to this dispute within 30 days from the date of receipt, as mandated by the FCRA. Failure to respond within the specified timeframe may result in legal action.

Thank you for your prompt attention to this matter. I look forward to a resolution that reflects the accuracy of my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. Sincerely,
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-28
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. (CA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX. Please delete these accounts ASAP.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (IL)

I received a credit card in the mail that I did not open. I also received information about an opened savings account that I did not open. I contacted the company Navy Credit Union immediately and they closed the account.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

I used Wells Fargo ( " WF '' ) bill pay to issue a payment. I made the request on XX/XX/year>, and WF estimated that the check would be received by the vendor on XX/XX/XXXX. The money was removed from my account on XX/XX/XXXX, even though it was physically impossible for the funds to be paid to the vendor by this date. On XX/XX/XXXX the check had still not been received by the vendor. WF has now had my money for 20 days. They did not pay the money to the vendor and I don't have my money, the money is in the possession of WF. They gave themselves an interest free loan from my checking account. Because WF refuses to return the money to my account, I do not have the funds to pay the vendor. I have no idea when my money will be returned to my account. When I write a paper check, the money is not removed from my account until the check is cashed by the payee. If the funds do not exist in my account to cover the check, the check is returned for NSF. How much money is WF making from these interest free loans?
Consumer complaint received 2024-04-29
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (FL)

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681, Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/2023 I was reached out by a guy name XXXX about bitcoins. At the time it seemed like he was honest about what he was doing. He informed me that he could make me more money if I sent him money thought XXXX XXXX It seemed 100 percent legit and proceeded. So I sent total of XXXX dollars thought XXXX XXXX XXXX bitcoins. I did not received anything from him and filled a fraud/scam to my bank fifth third. The first time, I did not tell the truth because I was jus dumb founded about what happened. Then the second time, I told them this guy did not deliver as promised. Both claims denied.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

Hello CFBP I have seen multiple inquiries on my credit profile that I dont recognize.

Under the federal law, I am protected against any type of identity theft and bad use of my credit profile.

I did not give my permission for those lenders to run my credit.

Those inquiries are affecting my credit score and are not letting me get the best options for credit cards and loans. 

I will describe the inquiries as follows : XXXX CREDIT REPORT SHOWS : XXXX. XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX  XXXX CREDIT REPORT XXXX. XXXX XX/XX/XXXX As I mentioned before my permission was not given to those lenders to run my credit I wish the CFBP protects me and help me to delete those hard inquiries from my credit profile. 

Thank you
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$28000.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRIES NOT AUTHORIZED BY ME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX  XXXX 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am attaching police report and from AG
Consumer complaint received 2021-01-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I set up the paper bill from XXXX 's app, but never receive any paper bill from XXXX  XXXX XXXX. because of no receiving paper statement, I miss one payment in XX/XX/2020. XXXX 's app has a bug, even you have set up the bill statement to be mail, you will not receive any bill statement. I contacted XXXX, and they told me they have no error, and never investigate their application. by the way, XXXX cancel my credit card even if my credit card has {$0.00} balance in this difficult pandemic time.