davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
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: Bread Financial Holdings, Inc. (NY)

In accordance with the Fair Credit Reporting Act, this creditor has violated my right. Under 15 USC 168 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX has violated my rights. 
15 U.S.C 161 section 602 A. States I have the rights 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 instructions
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/23 I called American Express at XXXXXXXX XXXX Call duration was XXXX, XXXX minutes and XXXX seconds. Please look up the call transcript, and listen to it. Why did the agent say that they would call me back after reaching out to the right department about reinstatement of the account? Why was I never called? Why do I have no missed calls or voicemails? Why when I called the following day to request the call records be looked at and find out the agent I spoke to, I was not informed of the agent? Was it the same agent XXXX days in a row? I was misled into closing my account. I requested not closing it/re-opening it within XXXX minutes of the agent closing it earlier through live chat.
Consumer complaint received 2023-11-06
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)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-24
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. (WA)

I have listed on my credit report the name XXXX XXXX. 
I have been the victim of online bullying and identity theft. 
Please complain to have the name removed from my reports.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX  has violated my rights. Or a 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 2022-10-25
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Master business card was used without my permission in XXXX XXXX United States while I was in XXXX. The bank flagged the purchase as fraudulent contacted me and I confirm it was fraud. At that point are charge of approximately {$3000.00} was already authorized by the bank. The other charge got denied. I started a fraud claim at the same time and the claim was denied two times by the bank. The bank stated that I needed to investigate with the store myself for more information about the fraud, which I did. I went to the apple store where they provided me information about how they display the method of payment on their receipts ( receipts attached ). They explained when the method of payment says " chip '' it can also mean that apple wallet or other touchless payment methods were used ( meaning, the card does NOT need to be present ). They also informed me when XXXX wallet is used, they are not allowed to ask to verify ID, and that is probably what happened. I also went to the police and filled a police report and authorized them to press charges against the people who did this. The police report is attached. At this point the credit card Company needs to not only remove the charges from my credit card, as well as all incurred fees, but at this point they will also need to mitigate the situation by providing me with with points in my card that are equivalent to {$5000.00}, due to all stress and all the time I had to invest investigating it myself. They completely missed the facts and were oblivious to the facts I was providing and refused to look further as they told me " I had to drive to LA to get answers from the store ''.
Consumer complaint received 2023-11-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I went into the XXXX XXXX dealership in XXXX md and picked out a personal car. I told the sales man ( XXXX ) that I want to do consumer credit transaction for this vehicle. so I submitted a purchase order bearing my autograph, name birthdate and social security number, which shows I am of legal age to enter into a contract, and gives equity in contracts and agreements. the definition of equal is defined in law. the ecoa prevents companies from discrimination. the finance guy came out to talk to me about my income. I told him that I have revenue, to which he stated do you have any proof of money? I thought it was weird. he went into his office and was communicating with some people, and came out and said they asked two banks Bank of America and ally banks. neither Bank of America XXXX XXXX XXXX sent me an adverse letter I the mail. which is a violation in itself.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2023-09-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

In XXXX I purchased my home, which was ultimately serviced by Carrington Mortgage Company. No major issues until XXXX. In XXXX, my family had challenges during the XXXX shutdown, where I applied for the CARES ACT to get a short forbearance on my mortgage payments. This was approved and the forbearance lasted a period of 3 months ( XXXX, XXXX, XXXX ) for a total amount of {$7300.00}. I selected the repayment option of a XXXX mortgage to be paid once the first mortgage is paid in full or at the time of the sale of the home. 
In XXXX of XXXX, I made the decision to sell my home. The home sold XX/XX/XXXX attorney closing in the state of SC. The attorneys worked with Carrington to get the full payoff amount. The titled cleared, mortgage paid, home sold. I went under contract to purchase a new home XXXX XXXX. 
The XXXX XXXX, XXXX I received a demand letter from the XXXX XXXX XXXX HUD for a delinquency amount of debt. The letter stated this was for {$7300.00} due for collection plus an additional penalty for administrative fees because the debt was delinquent. This was the amount from the XXXX mortgage that shouldve been paid at the time the home was sold in XXXX. I was never informed by XXXX it was unpaid. It was handed to HUD as a delinquency and I had no knowledge. 
The XXXX XXXX of HUD reported this debt as I was in final underwriting for my new home. It was reported to all credit agencies and appeared as a trade-line the day before my closing. Given it was reported as a delinquent account and coming from the XXXX government attached to a mortgage ( the house sold in XXXX ), the lender pulled out and I lost funding for my home. 
XXXX worked with a mortgage broker to scramble to find a new lender. It took a month to secure funding and close on the new home. It cost me an additional $ XXXX in lender fees, instead of a 5.5 % interest rate I am paying 9.58 % interest ( thats over {$2000.00} more a month for my mortgage )! In addition to mortgage cost, I had to pay more than XXXX in fees to the builder for going beyond the closing date, fees for storage, fees to the apartment to extend our stay ( or else be homeless ), lost money for moving company depositsthe list goes on. 
All of this was due to Carrington failing to fully disclose the full payoff amount for the sale of my home. This also couldve been avoided if Carrington had informed me of the miscalculation. {$7300.00} and Carrington caused me financial loss, mental anguish, and nearly cost me everything! Please help stop this from happening to someone else.
Consumer complaint received 2018-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

There is an error with the balance being reported with my " XXXX XXXX XXXX XXXX  '' account. 
My statement balance is {$0.00} but it was reported as {$320.00} and negatively impacted my credit as a result. Please update my account to reflect my {$0.00} balance.
Consumer complaint received 2023-01-25
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. (DE)

I recently mailed dispute documents to XXXX on XXXX. They received them via certified mail with tracking @ XXXX, XXXX. As of today, XXXX they have yet to retrieve them from their XXXX XXXX XXXX XXXXXXXX, TX XXXX, and initiate the investigation process for those documents. I have spoken to several agents and they all said that the latest documents they have from me is from XXXX. 

I also mailed dispute documents to TransUnion on the same date XXXX. They received them the same exact way with tracking @ XXXX on XXXX from their XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX. As of today, XXXX they have yet to retrieve them and initiate the investigation process for those documents. 


They have three weeks left before they have to respond or delete all disputed accounts.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

Chase Bank just closed all of my credit cards with them, 2 of which have my oldest credit history, and 1 of them was just opened 2 months ago with a large credit limit. I have not had any 30 day+ late payments, I paid the balances in full up until 3 months ago. Business is slow for about 4 months during this time of year, so I was going to only make minimum payments for the few months and then pay in full once I get through the dry season.

They cited their reasons as high balances ( again something that only happened in the last 3 months with balances paid in full much longer than they were not ) and the recent 4 credit pulls. Regarding the credit pulls, I have not applied for any new credit for over 3 years. I have started to travel a lot and decided to apply for different travel cards to find the one that gave me the most benefits. But again, there have not been any late payments, I have not had any of the cards go into default, and they continue to send me offers to bring over my balances and investments that I have with other institutions to their bank. If they had let me know the cards were at risk, I would have paid them all off in full. That would not have been a problem. But instead they just closed them without any notice. The fact that banks are allowed to cause such financial harm to consumers is criminal. 
This has dropped my credit score SUBSTANTIALLY. Not only did it hurt me to loss the credit lines, I lost my oldest payment and credit history. I will now experience financial harm by having to pay higher interest rates for anything I do moving forward because I have lost all of my credit history. This is completely unjust and banks should not be allowed to get away with this.

They could have even just lowered the credit limit but to completely close the accounts?!!! It will take me YEARS to recover my credit from this.

I did not find out the accounts were closed until I logged in to my accounts. There were no notices in the message portal ( other than offers to bring my balances over ). I only got the information from a representative verbally when I called in to find out why the accounts showed closed. The only solution they offered me was to have my credit pulled to reopen the 4 cards, INDIVIDUALLY FOR EACH CARD. So yes, 4 additional credit pulls after closing the cards BECAUSE OF 4 CREDIT PULLS. I would find this comical if it has not hurt me so much.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-06
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (FL)

In accordance with the fair credit reporting act, this creditor, " OneMain Financial '' has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 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 account under an open in consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (CA)

According to the FCRA reporting act I am privileged to have a fair accurate credit report and any inaccuracies found must be corrected and made correct to the positive standing and reflect XXXX inaccuracies XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX INACCURACIES, LAST REPORTED DATE XX/XX/23 please also missed
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NC)

The company was sold an account from the orignal creditor XXXX XXXX XXXX. 
The company did NOT follow the required steps of notifying me of the debt. I disputed the account due to this reason requesting removal of the account with XXXX, However, the creditor did not complete the request. They did not send a email, call me via phone or send a letter via mail! I was not aware of this debt collector until I checked my credit reports!! According to the FCRA There are certain steps debt collectors must take before they can report a debt to a credit reporting company. They must do any of the following : Speak to you by telephone or in person about the debt Mail a letter or send an electronic communication about the debt and wait for a reasonable amount of time, generally 14 days, in case it is returned as undeliverable I never received a validation notice, which means that they did not satisfy their requirement to contact me or have the right to begin reporting the debt to the credit reports!! According to the FCRA it is a credit violation to report a collections account with a PAST DUE BALANCE. They are only allowed to reprort the acct as a unpaid debt only and not a account with a past due balance!!!! By law that it is a credit violation and a violation to my rights! Under the FCRA compliance this is inaccurate reporting and must be removed IMMEDIATELY!
Consumer complaint received 2023-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want incorrect information to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

In 2012 my brother opened a car loan with XXXX. We have the same initials but different middle names. Some how the repo is showing on my credit report. I disputed this a number of times but nothing was ever done about it. I contacted XXXX a number of times in regard to this matter yet i'm still being held responsible for this. I didnt open this account, and is a mistake or fraud on my brother part ( which he is known for ). XXXX cant prove its my account because I never opened this loan or checking account with XXXX. Recently I decided to buy a home but this repo account is hindering me. This is mistake and or fraud. XXXX cant valid that this is my account because I never opened it. They even threaten to sue me. I just want this to be over.
Consumer complaint received 2022-10-19
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX,
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (AZ)

I encountered issues with my mortgage payments in XXXX and XX/XX/XXXX, yet the credit report displays late payments for XX/XX/XXXX and XX/XX/XXXX, which I believe is inaccurate. Despite receiving a screenshot from an employee confirming my late payments for XXXX and XX/XX/XXXX, the company insists on the accuracy of the reported dates. I've attempted internal credit disputes multiple times, but they've been consistently denied. I've provided the company with all three credit reports indicating the error in reporting. Although the company is open to refinancing my house and disregarding the incorrect months on my credit report, this discrepancy prevents me from refinancing with another lender.
Consumer complaint received 2022-10-19
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 received your response Last ( XX/XX/2022 ) that you need my updated email address which is XXXX. When I investigated my credit report, I realized that some of the information was erroneous. Transunion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below and DELETE instantly from my file : XXXX XXXXXXXX XXXX XXXXXXXX