davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
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 (MI)

I filed a dispute for unauthorized transactions with bank of a america on XX/XX/2022. For {$6000.00} multiple claims they said they had to in order to file the claim. So it was split up {$3000.00} and {$3000.00} I got a 7 day investigation when they advertised up to 10 business days. Was told claim not paid and will not be paid i want to sue this company. It has been a full 30 days of me just getting the run around on why I was told claim not paid to transactions I didn't authorize I have been evicted from my home couldn't pay my catlr note couldn't pay my phone bill all my resources was in the money that was stolen from me. Bank of america ask of me to send in any proof I have that could help them re open the claim there a huge scam. They allow u to bank with them but when your money is stolen due to you loosing your card depending on the amount of cash they won't investigate it properly as there policy says I got 10 days investigation on {$180.00} claim before this XXXX claim they also provisional credited the XXXX to my account on the 10 business day of that claim. So how does XXXX only go 7 days on the investigation in return also the customer loses there claim its not paid then there's no way to take action and get my money back it's just gone. 
I have attached a bank statement showing my account in standing of {$7000.00}. So you can see I clearly have been robbed of my claim for $ XXXX bank of america XXXX 
Here 's the claim numbers XXXX XXXX
Consumer complaint received 2023-10-21
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. (IL)

I recently obtained copies of my consumer reports from the credit reporting agencies ( XXXX, Trans Union, and XXXX ) to discover that your company 's information continues to be reported in a manner that violates the Fair Credit Reporting Act ( FCRA ). As previously communicated in past notices, I have raised concerns about one or more potential violations in the past, emphasizing the importance of complying with consumer rights and FCRA regulations. Specifically, I am referring to the closed accounts associated with the following : 1. XXXX XXXX Credit Card Account # XXXX 2. ) 1. ) XXXX XXXX XXXX XXXX : LOAN # XXXX, ACCOUNT # XXXX. 

Upon reviewing my credit reports, I have noticed that XXXX XXXX XXXX is reporting my experiences with your company in a manner that raises significant concerns about potential violations of the Fair Credit Reporting Act ( FCRA ). The specific matter of concern pertains to the categorization of my line of credit with your company as " utilization '' and the categorization of my payment history / status with your company as transactions, on my consumer reports. It is my firm belief, supported by the relevant legal provisions, that your company is unlawfully reporting this information on my consumer reports. I would like to draw your attention to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), which states : " 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The law is unequivocal in its statement that information pertaining to transactions or experiences between the consumer ( myself ) and the person ( XXXX XXXX XXXX ), making the report, should not be included on consumer credit reports. Utilization is inherently an experience with the line of credit extended between the consumer ( myself ) and your company,, which qualifies it as an experience that should not be reported on my consumer credit reports. Payment history or status is inherently transactions, between the consumer ( myself ) and the person ( XXXX XXXX XXXX ) which qualifies it as information that should not be reported on my consumer credit reports! By reporting this transaction on all of my consumer reports, XXXX XXXX XXXX appears to be in clear violation of the FCRA ( 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ).
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (VA)

I sent American Express a Cease and Desist letter AND a Debt Validation letter on XX/XX/XXXX. They sent over an email letting me know that they have received my Cease and Desist letter and they will cease communication regarding collection activity but then used profane language and threatened to suspend and cancel my account which is a violation of 15 USC 1692d. They also said that the consequences of me asserting my rights as a consumer will lead to negative actions taken place with no prior notice. This email was sent on XX/XX/XXXX. I will attach the letters and their response to this complaint. 

Please note that American Express failed to comply with the demands written in my letter. They never sent me a letter letting my know that they are complying with my specified remedies, which is a violation of 15 USC 1692c. They never sent me anything to allow me to exercise my right to validate the debt in pursuance to 15 USC 1692g. I have the right to due process and which they are preventing me from.
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MI)

The dates for the collections show as XX/XX/XXXX and XX/XX/XXXX for {$89.00} and {$1400.00} respectively. These accounts have already been paid on in full and are still reflecting on my credit report.
Consumer complaint received 2022-03-29
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. (FL)

To whom it may concerned, I sent in a dispute letter to XXXX and Experian around XXXX XXXX to removed negative accounts and inquiries that 'was opened fraudrulently, they never responded back I'm also was a victim in the XXXX  databreach on the attachments i attach the dispute letter that i had sent to both companies also in email showing that i was affected on the XXXX data breach..
Consumer complaint received 2021-08-27
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. (IL)

As of XX/XX/2021, XXXX XXXX XXXX XXXX is reporting a balance on auto loan of {$17000.00} but when I login to my online account it's show a payoff balance {$16000.00}. But this is not reflected in TransUnion, XXXX and XXXX respectfully this improper reporting has caused my credit scores to a continuous downward spiral over over ( 7 ) months period. XXXX XXXX XXXX XXXX also note in their reporting upwards and downwards trends in balance in my account these varations cause my score to flucation constantly. XXXX XXXX XXXX XXXX also add or remove mark in their reporting to the credit bureaus again having effect on how points added or subtracted on each report. This practice by XXXX XXXX XXXX XXXX show how this practice show how spread behavior on the part of their improper reporting trends. Over the last several months by score has dropped between 70-80 points due to XXXX XXXX XXXX XXXX REPORTING TACTICS.When I spoke with the credit department about this matter I was informed this matter should be taken up with the ( 30 major creditors bureaus, again they knew nothing about the remarks on my credit report. This matter needs to investigated and XXXX XXXX XXXX XXXX needs to be held accountable for this improper tactics.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I continuously receive bills in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I get my report back and I was furious with the amount of items I saw on my report that I know that these accounts do not belong to me. 

XXXX XXXX {$23000.00} XXXX   XXXX {$23000.00} XXXX/XXXX   XXXX {$46000.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX   XXXX {$5000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2022-11-07
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-08-27
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. (GA)

I sent you a letter regarding inaccurate things on my credit report on but to this day more than 60 days have passed, but I still got no response. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX data breach and may got into hands of the wrong person
Consumer complaint received 2022-04-22
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. (WA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-04-22
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Untitled XXXX XXXX Subject has not satisfied debt., Collection/Chargeoff, Collection } 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 an account without my written instructions.
Consumer complaint received 2017-10-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (NY)

I specific told them please do n't call my family member for my personal debts account, they call my brother and told them I must called them back regarding my debt and the amount, my brother told them they had the wrong number and to contact the right person but instead she kept insisting to give my debt information.
Consumer complaint received 2022-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

I attempted to apply for Public Service Loan Forgiveness. When I applied in XXXX, they told me my employer didn't qualify. I submitted my W2 to prove that my Agency is a regulatory agency under The State of Oregon and does qualify. They updated my PSLF count to having made XXXX qualifying payments. I applied again, 3 months later, because I considered myself to have completed the terms required. I have worked for the The State of Oregon for 13 years. They again indicated that my Agency did not qualify, even though my employer had not changed. I resubmitted my W2 and they eventually determined it to qualify a second time. Then I was given an updated letter, but showing the SAME qualifying payment count as when I applied in XX/XX/2022. I qualify for loan forgiveness, but instead of forgiveness being granted, my loans were transferred from XXXX XXXX to Mohela, who also has not helped me solve this issue. I feel this is unethical.
Consumer complaint received 2022-04-22
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. (FL)

XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : 1. XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.
Consumer complaint received 2022-04-22
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: CLGF Holdco 1, LLC (NY)

I went bankrupt in XX/XX/2020. I have XXXX credit card accounts that are showing CLOSED THROUGH BANKRUPTCY, but still shows they were late, negatively affecting my score. I want them removed from my report like the rest of my accounts that were late, but are no longer showing on the report after the bankruptcy. I disputed these accounts multiple times in an attempt to have them removed without success. I contacted the companies and was told they could not remove the accounts. This is negatively affecting my credit.
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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.
Consumer complaint received 2022-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-21
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. (PA)

These transaction were not made by me and furthermore, I never gave written permission to report this information OR furnish this information on my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-22
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: Experian Information Solutions Inc. (NV)

As far back as XX/XX/2021, I've been writing to XXXXXXXX XXXX  for information about this debt with NO response ( see attached letters with fax confirmations ). I even asked the bureau to investigate the account, and they didn't respond to me either. When it comes to collection agencies and credit bureaus... one lies, and the other ones swear by it! XXXX months has been long enough. I want this account deleted!
Consumer complaint received 2022-04-22
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. (FL)

I have tried to fix this with XXXX XXXX  4 times now! I report the error, they remove it and put it right back on!! Last year because of Covid I was unemployed for almost 2 years. I requested and received a 6 month extension. After 6 months my employer closed permanently, so I still was not working and to prove it to XXXX XXXX  that I wasnt even on unemployment I offered to send them documentation WHICH THEY REFUSED. Yet they also denied my request for an additional 6 month extension even though it was illegal to do so! I then went to a Supervisor to demand my rights for an additional extension and for the credit law be followed and even though they said they were giving me the additional extension and did not contact me for payment for the next six months THEY REPORTED OT TO MY CREDIT. This violates the law during Covid and this was documented with them! I offered them paper documentation! And now although my lease is completely paid off and they actually owe me over {$1000.00} refund they are reporting me in arrears! I WANT THIS CORRECT IMMEDIATELY! Their service is deplorable and their account keeping is even worse!! I actually think they do this on purpose because they are a substandard lender and they are taking advantage of the people they loan to. Any investigation I am eligible to have them investigated through or any legal action against them I am eligible for I would like to be notified of. This will now be the 5th time I have told XXXX XXXX  that this is incorrect and the 5th time that I have filed a formal complaint and the 5th time they have ignored the law. There are literally thousands & thousands of people having the same problem with XXXX XXXX  on the internet!!! I would like this corrected or I would like to know my to legal action! Why are you allowing them to break the law?
Consumer complaint received 2024-04-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG HOLDINGS INC (MO)

I had several lease purchases with Tempoe XXXX IncXXXX Also had lease with WhyNotLeaseit, which is part of Tempoe XXXX. I can not locate all the documents but i have attached one email I found from 2018. I saw there was a lawsuit, and I was not aware of the lawsuit. I am submitting my claim due to not being notified.