davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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. (NJ)

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 XXXX. Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-03-27
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. (DC)

I have been enrolled with XXXX repayment program for the past 4-5yrs. This program assists with the repayment of the account with no interest and to maintain good credit status with credit agencies. I have never been late on the monthly payments in the amount of {$94.00} per month that automatically deducts from my bank account. I successfully reached the end of the repayment term with only two payments remaining for the months of XXXX and XX/XX/XXXX. In XX/XX/XXXX, I had received a statement that reflect the remaining balance. I contacted XXXX just to verify remaining balance and the customer service representative confirmed. I inquired since my normal monthly payments were setup as {$94.00} per month, there would eventually be an over payment and how does XXXX handle the overpayment. The customer representative agreed that there would be an overpayment and gave me the option to either continue making the last two payments ( XXXX and XX/XX/XXXX in the amount of {$94.00} each ) and XXXX would mail me a refund. The second option would be the customer service representative can manually modify my last two months payment to split into two payments of {$60.00} and XXXX  for the months ( XXXX and XX/XX/XXXX ). I opted to accept the second option to avoid overpayment. In XXXX, I received a credit report alert of my credit score ( decreased approximately by XXXX points ) with XXXX and Transunion had adversely been impacted by a past due payment status with XXXX. My XXXX credit score went from very good to below average. My Transunion credit score went from good to fair. I was shocked! As mention before I have NEVER been late or paid less than original repayment monthly amount since enrolled in program. The customer service representative NEVER communicated that if the last two months payments are modified that my credit status would be negatively impacted! I would have NEVER accepted that option that she gave me. XXXX should be ashamed to treat me this way when I have paid according to the repayment program and why would I risk my good credit status on the last two final payments of the program. XXXX should be held accountable for the negligence of their customer service representatives. I want the negative past due status removed from credit agencies and revised to current and always paid as agreed for this account. I want my credit score points that were lost to be reinstated.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I contacted XXXX and XXXX let them know they are still reporting inaccurate information on my credit report. They told me they no longer report to the credit report and I will need to dispute to remove the inaccurate off my credit myself. This account is reporting negative information to Experian, XXXX and XXXX.
Consumer complaint received 2017-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

on   X/XX/2017   my  Chase  checking account was hacked and I had a fraudulent charge of {$550.00}. Chase deactivated the account and I went into a Chase bank on    X/XX/2017      to close my account completely and open up a new one. At that time while with the banker was on the phone with  Chase  support they told him they had issued a temporary credit of {$550.00} to the account. The banker then transferred the remaining funds from the old account to my new  one  and closed out the old account.     Fast forward to     X/X/2017     where I received a secure message from chase saying that the charge was fraudulent and that the temporary money is now permanent. on    X/XX/2017      I noticed that my savings account was drained to    XXXX    and another charge of {$84.00} had come out of my checking for Account recovery. I went into the Chase bank and they told me my claim was denied and they were pulling the money out to make up for the - {$500.00} in my old account.     I called Chase support again and after an hour and a half of being transferred and waiting on hold they told me that it looks like the temporary credit was never added to my account which is what caused it to go negative. I was then told that they will dispute it but that they dont ' know when that will be completed for me to get my money back.     On     X/XX/2017     I noticed another charge of {$31.00} for account recovery. I called them again and they told me it was for the negative balance on my old account. I asked to speak to a supervisor who then realized what the issue was but was n't able to return my money or tell me when it was going to happen.     O n  XX/XX/XXXX  I had  to cash in a silver bar so I could deposit the money into my account which was sitting at   XXXX   so that I could pay mortgage and bills. On       X/XX/2017  I  noticed my check came through and again it was short by nearly {$100.00} meaning they pulled more money from my account.     This is unacceptable ... ..Chase has acknowledged their mistake but refuses to fix my problem. I dont ' have a lot of money so I need every penny I have or my finances fall to pieces. I really  REALLY  need to get my money back because as of right now Chase is literally stealing money from my account. I was never notified via email or letter or phone or anything to let me know this account was in the negative in the first place to give me time to figure out what was going on, they just decided that they could take money from my account at any time without any authorization from me. Please help!!!!
Consumer complaint received 2022-11-30
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Credit Corporation (MD)

Hi, The Company Avant , Inc. falsely reported two missed payments to my credit report.
I 've had   XXXX   balance with this company since the end of  XXXX  and a perfect current payment status up until this week when I checked my credit score, which I check every week.
All of a sudden they reported to the credit bureau this week that I missed two payments for   XXXX   and  XXXX  of  XXXX . I never had a balance with them in  XXXX .
This is 100 % false fraudulent reporting. My credit score has plummeted  XXXX  points because of this false allegation.
How can a company all of a sudden ruin my credit this week over something they alleged happened in  XXXX . Why did n't they report it then. Why was I never contacted over these alleged missed payments at the time.
This is bogus and thoroughly wrong.
I 've strive very, very hard to get my credit score up and Avant comes in and destroys it in one day over false reporting.
I 've contact the company and they said they would look into it and they sent me a email I do n't understand.
This is the companies information : Avant, Inc.
  XXXX   XXXX   XXXX    XXXX , IL  XXXX  XXXX   XXXX 7 Please help me with this situation and let me know who else I can contact about this matter.
Thank you
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-30
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. (PA)

XXXX ACCT # XXXX DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

I tried to log into Vet.gov and it sent me to XXXX which would not verify my drivers license or the questions they have on their website. They told me that, Experian, a credit monitoring agency had not enough information about my date of birth. I called Experian and all they did was give me a hard time instead of correcting the problem. They only had my year of birth only but not my day and month of birth, and they would not correct the problem. But I also question why is a Veterans Administration 's  government website Vets.gov and XXXX using information from a a credit monitoring agency, Experian, without my permission. This needs to be investigated.
Consumer complaint received 2024-03-27
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. (CA)

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-25
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: AMERICAN EXPRESS COMPANY (NJ)

I recently signed up for Amex XXXX XXXX everyday credit card. As the advertisement on the Amex page displays, this card offers 0 APR for 15 months on purchases. Upon applying for this card, a few days after, I received the actual card in my mail. However, the promo code was not applied to my credit card, and instead, they charge the interest rates from the day of opening. This is a very misleading and potential scheme to benefit this company, which is unfair to the potential customers.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXXXXXX.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. 

I am human. There is no XXXX party involved. I never have any written consent or verbal to have this on my credit profile. Remove the accounts. 
Remove Following Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I applied for a Home Equity Line Of Credit with Bank of America. The application went smooth, I did it over the phone with a lender. It was sent over to underwriting, I submitted all requested documents. I got an email saying the title work and appraisal had been ordered. Then I got an email back saying they required me to have {$9000.00} in a savings account to be able to be approved for the loan. This was the first time during this entire process that this requirement had been brought up. I really thought it was strange. I only have about {$4000.00} in a savings, so they said they could not move forward with the loan. Had I known this up front, I never would have applied and took the hit on my credit. Obviously, I would have known I would not be approved. But this fact was never disclosed until the end, after the app, the credit pull, the entire process. A supervisor called me after I submitted a complaint on their website about this process. Then, after that, I got a call from the appraiser to schedule an appraisal, so I did that. Thinking maybe it was back on track again. We scheduled for today at XXXX XXXX. Well, the appraiser did not show. I called and she said the bank called her and cancelled it. So, I am really not sure what is going on. I think it is unacceptable that they effectively tricked me into applying for a loan I had no way of getting. And also during the process, the person that took my application on XXXX separate phone calls remarked how young I am. Which, I am XXXX, so I don't know why. But also, how is that relevant? Is that also part of why I was declined? My age? Again, I just find it unacceptable they would not disclose the {$9000.00} requirement up front, make comments on my youth, and then conveniently find this " loophole '' to decline my application. All while still getting my information into their system and getting an application tick mark for their spreadsheets. And this stuff is all there to see in the emails I have and their recorded phone calls. I also find it unacceptable that they just so blatantly would do all this and not think a customer would take issue with the process.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OR)

XXXX XXXX I mailed a XXXX money order to Paypal Credit svcs/synb as I have done many times. The payment was not credited to my account, but XXXX verified that the money order was cashed. Synchrony Bank asked me to send them all the information I have, plus fax them the XXXX money order customer 's receipt, which shows the XXXX serial number, which I did do. Synchrony Bank did credit my account for the {$400.00} M/O, but the following month they reversed the charge. I have been contacting them every month since then to ask for my credit back, they would give it, then take it back again, and again. The XX/XX/XXXX statement shows 2 {$400.00} credits totaling {$800.00}, and on the same statement there are 2 charges for {$400.00} each, erasing the credits. I only want what the {$400.00} credit I had paid them in XXXX XXXX XXXXXXXX. THE IMPORTANT POINT HERE IS ; I SENT SYNCHRONY BANK THE INFORMATION TO PROVE THAT THE MONEY ORDER MAILED TO, AND MADE OUT TO THEM, WAS CASHED BY THEM. Obviously they are embarrassed to admit that someone in their operation had stole or applied the credit to another account.. This has taken multiple hours of my time and stress communicating with them about a final resolution, to no avail. i am retired and on SS plus physically unable to work again Please help me..
Consumer complaint received 2022-11-30
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. (PA)

XXXXXXXX XXXX XXXX  ACCT # XXXX DATE OPENED : XX/XX/2013 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-30
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. (PA)

XXXX XXXX XXXX  ACCT # XXXX DATE OPENED : XX/XX/2013 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (GA)

When Costco changed from American Express to Citibank- my balance was high and I decided to close this account and pay it off. I had set up 2 payments of   XXXX   each month with a  XXXX  total payment each month. On   XXXX   XXXX  , Citibank withdrew   XXXX   from my account. When my husband called to complain of the mistake, we were told that they would refund   XXXX   within 3 days. We checked for this with our bank several times and then on   XXXX   XXXX   we noticed that Citibank withdrew another   XXXX   from account. Both times wiping out this account and causing fees for unpaid transactions. When I called the second time I was told the previous refund request was denied due to being over the limit. I also spent 1.5 hours with 4 different folks attempting to resolve the issue ending with a " we 'll call you '' resolution.
I have called my bank and attempted to stop payment on this transaction but it my be too late.
To sum up, within 3 weeks this company has yanked over 2,000 dollars from my account when there was an agreed payment of   XXXX    per month. I have requested to be removed from auto-pay and think the company owes me money to cover fees from the first money yank from my account. I feel that I have tried to work with Citibank and their actions are shifty and dishonest.
Consumer complaint received 2024-03-27
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.