davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-04
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 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 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 2022-11-07
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. (PA)

As of XX/XX/2022 my car loan was listed as a repossession on my credit. My car was never repossessed nor did XXXX XXXX XXXX XXXX attempt to repossess the vehicle. I filed a credit bureau review request with XXXX XXXX, to which I received a letter in the mail stating they were reporting information accurately. I ended up trading the car in. How can I trade in a car that was reposessed?
Consumer complaint received 2019-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a credit card with XXXX, opened 6 months ago. According to XXXX, Bank of America, which is my personal bank, has been stopping and returning my payments to them, even though I have ample funds to pay my scheduled payments. On XX/XX/2019, a scheduled auto pay of {$25.00} to XXXX was returned by B of A unpaid. On XX/XX/2019, a payment I sent of {$54.00} was returned unpaid XX/XX/2019. A scheduled payment on XX/XX/2019 was cancelled by the Bank of America. XXXX has closed my account, and I can no longer use the credit card. 
I called Bank of America on XX/XX/2019, and spoke with XXXX in Texas at XXXX XXXX. I was transferred to XXXX in bill pay. XXXX called XXXX, and promised Bank of America would write to XXXX explaining B of A 's continual errors had caused my problem. During this call I spoke with XXXX at XXXX XXXX ( same phone call ) and she told me I would be receiving a copy of the letter to be sent to XXXX to solve the problem. This woman had me spell out and confirm my email address repeatedly, even though I have been receiving email from the Bank of America at that email address for years. No letter was sent to me. 
I called Bank of America at XXXX XXXX on XX/XX/2019 to check why nothing had been done. I spoke with XXXX, who transferred me to XXXX, who helped me initiate a conference call to XXXX.XXXX from XXXX ( id # XXXX ) and I spoke as of XXXX XXXX. We were transferred to XXXX at XXXX ( ( id # XXXX ). XXXX took a credit report from me to see if she could restore my card. The system has locked my account down and could not be reopened. XXXX would not speak with Bank of America and myself on the phone at the same time. 
I wrote a letter asking for help from XXXX Executive Branch. XXXX ( sp? ) from the Executive Branch of XXXX called me to tell me a letter needs to be written from Bank of America, on their letterhead, to XXXX, XXXX XXXX XXXX, XXXX XXXX, SD, XXXX. XXXX 's phone number is XXXX XXXX. She called me Friday, XX/XX/2019. The letter needs to indicate that bank error has caused my unpaid payments. I spoke with XXXX in West Virginia at Bank of America on XX/XX/2019, XXXX, and requested a supervisor. I was advised the supervisor would call me back as soon as 15 minutes later. No call was ever received by me from anyone at Bank of America since then.
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-04
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, the following listed accounts below has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX, XXXX 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. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-04
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. (GA)

I submitted a complaint to Experian about account XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 about inaccurate information reporting on my consumer report and to validate this account. On XX/XX/2022, Experian update the account showing a 30 day late payment for the month of XX/XX/2022 and took away the positive payment history for the month of XX/XX/2022. According to the Fair Credit Reporting Act, Consumer reporting agencies must obtain accurate information at all times. This account is not accurate. Also according to 15 U.S. Code 1681a ( 2 ) ( B ) - ( 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 ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
Consumer complaint received 2020-02-18
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. (WA)

Equifax is reporting incorrectly a collection in the amount of {$370.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) First, this account does not belong to me ; and Second, this line item is being reported twice. This is a violation of the Fair Credit Reporting Act. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-12-17
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. (CA)

I sent over a dispute to all 3 bureaus. They dismissed by dispute as frivolous and said it was not me. They are straight up guessing.
Consumer complaint received 2022-12-17
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 sent over a dispute to all 3 bureaus. They dismissed by dispute as frivolous and said it was not me. They are straight up guessing.
Consumer complaint received 2024-03-11
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. (TX)

This complaint to EQUIFAX for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2022-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

Mr cooper has a partial payment option and additional payment options. I use the partial payment option every month. I am usually paid ahead a XXXX  or XXXX. Website says partial payments will not be added until a full payment is reached. Well my funds are always applied as additional principal by mr cooper. As i stated there is a different option for that. I call every month and ask them to correct this and to reapply my funds to the payment. This past XXXX  was no different. I called XXXX  and chatted and see they reversed my payment back to additional principal and I was not credited for my payemnt due XX/XX/XXXX. I made enough payments by mid XXXX. Well On XX/XX/16 because of misapplied funds and a website and customer service that do not function correctly. I was hit with a late fee for a payment that I made a XXXX  ago and also asked to have it correct on multiple times. Please have this institution correct this payment error not just this XXXX time but whatever makes them apply my funds differently than i request.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC. (IL)

Had my phone stolen on XX/XX/2024 in XXXX XXXX, La. They attempted fraudulent activity in several bank accounts. I contacted all my banks including my Robinhood investment account via email on XX/XX/XXXX, in two separate emails ( which are listed below in the photos. I advised Robinhood support that I have had fraud activity in several accounts and to not allow any transactions out of my Robinhood account. I advised that I have not touched or made any transfers in my Robinhood account within the last 6 months and that I need my account frozen. On XX/XX/XXXX Robinhood responded with WE RECIEVED YOUR EMAIL and acknowledged my email with a case I.D . number regarding this incident. On XX/XX/2024 I made a police report through XXXX XXXX PD and provided all of the attempted transfers and screenshots of all the fraud activity through several accounts. All of my institutions, as well as the XXXX XXXX PD deemed unauthorized/ fraud activity through my accounts. On XX/XX/2024 Robinhood allowed over XXXX dollars to be transferred out to an unknown debit card. Robinhood allowed my bank account to be disabled and a new card to be added to my Robinhood account ending in XXXX. I contacted Robinhood immediately and they advised they would have to complete a review. On XX/XX/XXXX, Robinhood sent me an email saying they completed their review and the good news is they found NO unauthorized activity within my account, and that a reimbursement will not be completed. This is all after they were advised 5 days before the funds were transferred out and they acknowledged it. It has been a nightmare to get ahold of anyone at Robinhood who can assist with this incident. Robinhood was supposed to have a supervisor contact me 2 weeks ago within 24-48 hours and I still have not heard from one. Robinhood also emailed me today regarding my appeal I requested after they concluded that there was no unauthorized activity in my account. Robinhood advised there was no error in their desicion, and I am not eligible for reimbursement. I have a lawyer currently involved and he just sent a demand letter to several members of their legal council yesterday on XX/XX/2024. We are currently waiting on a response before we take legal action. 

This has been the most stressful experience Ive encountered in my entire life. ROBINHOOD assured me that unauthorized activity would be reimbursed if deemed. I have proof in these several emails that are attached below that they were notified, recieved, and acknowledged my request, several days before allowing my money to be transferred to an unknown debit card. Robinhood is the only institution out of 5 that is deeming this incident not a fraudelant incident, and not unauthorized actvity. 

I also have the police report if needed, I can be contacted via email and can attach the report made- documenting that I had fraud activity in my Robinhood account prior to the funds even being transferred out. Thank you
Consumer complaint received 2022-12-17
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. (CA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2022-12-17
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, 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 2024-04-03
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: CAVALRY INVESTMENTS, LLC (IL)

Subject : Dispute Notification - Cavalry Port To whom it may concer, I am writing to express my utmost dissatisfaction and concern regarding the handling of the account associated with Cavalry Port on my credit report. It has come to my attention that there are multiple apparent violations of the Fair Credit Reporting Act ( FCRA ) concerning this account, and I am requesting immediate action to address this issue.

Specifically, I am formally requesting a full debt validation, which should include the following details : Original Contract : Please provide a complete copy of the original contract between the purported creditor and myself concerning the Cavalry Port account.

Original Creditor : Kindly state the name and contact information of the original creditor linked to this account.

Original Open Date : Specify the precise date when the Cavalry Port account was initially established.

Date of Last Payment : Clearly outline the exact date of the last payment made in relation to this account. 

Date Account Was Closed : Indicate the date on which the Cavalry Port account was officially closed, if applicable.

I am fully aware of my rights under the FCRA, and it appears that there has been a failure to fulfill obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to this matter.

Failure to comply with this request within [ 15 days ] from the date of this letter will leave me with no alternative but to take legal action to enforce my rights under the FCRA. Please regard this as formal notice of my intention to do so.

I anticipate a timely response, accompanied by the requested documentation, to be sent to the address provided above. Additionally, I request that any corrections made to my credit report be promptly reflected. 

Sincerely, XXXX XXXX Concerns : Security and Wire Fraud Negative Status and Charged-off Accounts Extortion and Lack of Validation
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I've send letters in with my ID and current bill with address to update Correct current personal information and to take off that identity theft statement that I didn't ask for. I've also sent letters about furnishing items on my credit report without my permission which in the FCRA 15 USC 1681 I have a right to privacy and 15 USC 6802 I have a right to OUT-OUT of my personal information shared to non-Affiliated 3rd party. All I received was debt validation which I didn't even ask for.
Consumer complaint received 2022-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

My loan information and history indicated on my Nelnet account contains numerous material inaccuracies, including the school, lender, loan type, and loan amounts. When I requested loan history information from Nelnet around XX/XX/XXXX, I received an extremely limited and inaccurate history of payments, and missing information for most of my loans as well as several missing servicer records. No history was available for the majority of my loans since XXXX, and the history provided for XXXX only contained information about one loan. I have records of many qualifying payments with XXXX and XXXX that are not contained on my payment history or accounts. Further, several loans are listed on my Nelnet accounts that list a school that I have no record of taking loans ( XXXX XXXX XXXX ) from and a lender that has no record of my ever having an account ( XXXX XXXX XXXX XXXX  ). These inaccuracies, errors, and missing information warrant correction and cancellation of inaccurate loans.
Consumer complaint received 2022-11-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MD)

Ally financial issued me a blank title at the end of my Loan but it does not have my current address, it has my former address of ( 2 ) years ago. My current address is on the correspondence that they mailed to me informing me that my car is paid off and issuing me my blank title.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (TX)

Back in 2013 I opened a bank account with JP Morgan Chase when I was a college student. I used the account for a year and got a notice in the mail that they would close my bank account within 4 weeks. They didnt provide a reason. This also happened to 4 of my friends, including my roommate at that time who were also XXXX. After contacting JP Morgan Chase, they told me that I could never be a Chase customer again and they refused to disclose why. They told me they dont need to disclose why I am not allowed to be a customer. This baffled me and since the past 10 years I have been unable to open a checking account with JP Morgan Chase. I have excellent credit score and have opened bank accounts with various companies since then including XXXX XXXX, XXXX and XXXX XXXX. However, JP Morgan refuses to do business with me and I strongly believe this is discrimination, especially since my friends of the same ethnicity have encountered this situation around the same time as me. I highly urge you to investigate this complaint because no matter how many times I attempted to reach out to their executive offices, they continued to give me the same response that they dont need to disclose why my account has been closed. Ironically, they also closed my wifes bank account a couple years ago and its because she is related to me.
Consumer complaint received 2023-02-21
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. (CA)

The Department of EducationXXXX is reporting that I was 90 days late in XX/XX/2020. All other history shows on time. This is logically impossible that I could be current in XX/XX/2020 and then all of a sudden be 90 days late.
Consumer complaint received 2018-01-18
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. (GA)

I tried to reach out to all three credit bureaus to remove the hard inquiries from my credit report XXXX Experian XXXX and XXXX but they refuse not to