davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
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. (CA)

All three major CRAs XXXX, Experian and XXXX unlawfully reported personal non public information without permissible purpose violating 15 U.S Code 1681 ( b ) Permissible purpose : ( 2 ) In accordance with the written instructions the consumer to whom it relates. I did not and do not consent to the reporting of this non public personal information which is a clear violation of the FCRA. Also P.L 90-321 ( 82 Stat. 146 ) that states you can only make reports without my written instructions to head of state or local child support agencies.

Experian is also violating section C of the code : Requirements relating to information contained in consumer report. ( b ) No Consumer Reporting agency may make any consumer report containing any adverse item of information other than records of convictions of crimes. Experian, et al transaction and experiences between consumer and Credit card companies without my wriiten authorization Experian et al, used my personal, private information without my knowledge or consent, and according to 12 U.S Code section 1022.3 Identity theft is a fraud committed using the identifying information of another person without authority. Anything added to my consumer report without my written authorization is identity theft. Lastly, Experian et al, is liable according to 15 u.s.Code 1681n- Civvil liability for willful noncompliance. ( a ) in general -any person who willfully fails to comply with any requirements under this sub chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages to less than {$100.00} and not more than {$1000.00}. ( B ) - in the case of a liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. Experian, knowingly and willfully violated my rights and caused harm to me causing me to not be granted credit and lowering my credit limit by reporting adverse personal information.
Consumer complaint received 2022-10-02
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: Experian Information Solutions Inc. (MI)

Failure to perform a proper investigation. I have submitted many dispute letters online and through the mail. I have provided them with proof directly from the credit report.They continue to report information that is inaccurate as accurate.This is a direct violation an damaging to my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

48 hours ago XX/XX/2020 my login with bank of america was locked and my card was frozed. After nearly a 3 hour hold time they disconnected. I called again and again I was advised that my account was closed due to a fraud alert. When there was no fraud to be had. Their customer services proceeded to apathetically put me on hold without a resolution. As of XX/XX/2020 I still have no access to my account and my card doesn not work. This was unacceptable and I believe it is definitely a breach of consumer faith during these trying times I have kids to feed like millions of others. I still don't have access to my funds. My complaint goes on deaf ears. I am nowhere close to a resolution to have my account reopened. Furthermore I can confirm this is in no fault of California EDD. This is on Bank of America.
Consumer complaint received 2020-12-29
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. (TX)

My name is XXXX XXXX and I have filed multiple disputes with Experian and they have violated the FCRA and my consumer rights by reporting frauduent information on my consumer credit report. I have attached the letters I have sent to them and their failure to respond to them..They have caused me damage as I have had multiple hardships during this cover pandemic and have not been able to seek financing due to someone stealing my Identity. They have not once tried to help me fix these issues they can not verify or sent me any proof that these false accounts are verfiable ..
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have sent numerous written request certified to Equifax asking them to correct incorrect information on my file and they have ignored my request saying they can't verify it's me asking. Even when I have provided the necessary information. They select the information they want to update my file but never address or remove the erroneous or incorrect or positive information on my credit file. Recently according to a credit monitoring company XXXX, Equifax dropped my score by nearly 100 points and I can't get a copy of it free or otherwise to see why. I paid off an account with XXXX XXXX and opened another account immediately after and suddenly my score dropped. 
I tried to get a copy of the report on line several times including today but their systems keeps saying I already have an account but will not let me update or change the password. Can not open a new account called was on hold for 1 hour 20 minutes spoke to someone from one very far away with a bad connection very strong accent and was disconnect suddenly while trying to get a copy of the report.
Consumer complaint received 2020-12-29
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: ENCORE CAPITAL GROUP INC. (CA)

I have called Midland Funding several times to try and resolve this matter. The last time I call I was laugh at me on my offer and hardship. I dont see where a hardship is a laughing matter. 

1. The response I got was unprofessional and unclearly uncalled for.

2. A hardship in any form is NOT a laughing matter.

3. I was left on hold for 45 minutes when I ask for a supervisor to complain about the representative. 

Right now times are hard for everyone and bein laugh at and treated like dirt all because I ask for a low settlement is not right. 

Midland Funding needs to work on the customer service skills.
Consumer complaint received 2022-10-02
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)

In accordance with the fair credit reporting act. XXXX XXXX XXXX XXXX Violated my rights Federal Protected consumer rights 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. It's also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items of In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. information. Other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 [ A7 { 1 ) A person Shall not furnish Any information relating to A consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Consumer complaint received 2020-12-29
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. (VA)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX- add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: PENTAGON FEDERAL CREDIT UNION (ME)

XXXX will not allow lenders to access my credit report. In particular, they are returning a null response to Pentagon Federal Credit Union which has caused me to be denied for a checking account and placed a limitation on my savings account. XXXX claims there is no hold on my report, but this has not resulted in them accurately reporting my information to Penfed. This is despite the fact that the information submitted in the application is accurate and up to date.
Consumer complaint received 2022-11-30
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. (IL)

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Ive sent XXXX letters had issues with this in the past and XXXX  XXXX paid to settle just over a year ago- I dealt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I purchased a '' brand new '' face mask due to the COVID -19 pandemic and and when it arrived it was obviously used .... I disputed the transaction and XXXX  XXXX  closed the dispute. I have tried to write letters, the next step is again to file a small claims suit, like I did in the past.
Consumer complaint received 2022-03-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Consumer complaint received 2022-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (OH)

I made an instant transfer from my paypal account to XXXX Bank there were XXXX actually XXXX for XXXX and another for {$2100.00} the money for both transactions made it there intially I am told but then the money for XXXX was taken out of the account and days later has never been returned to the business paypal account. I have tried and tried with XXXX but they are a bunch of crooks in my opinion.
Consumer complaint received 2020-12-29
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: EQUIFAX, INC. (NY)

Please remove the fraudulent account XXXX/XXXX Account # : XXXX as I have no knowledge of this account due to the Equifax data breach/identity theft. According to FCRA 605B this information must be blocked immediately until the investigation is over. Please block this information from my credit report and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-12-29
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)

Actually, I have indicated not my accounts in my credit report. The information in my profile reported wrongly. I do not want to see it anymore in my report so please remove these accounts as I do not recognize them. Somebody I guess used my personal information its like identity theft. So please recheck and delete. Thank you
Consumer complaint received 2019-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MIDFIRST BANK (OK)

I contacted my bank, Midfirst Bank, on the evening of XX/XX/2019 informing of fraudulent transactions processed on my checking account. At the time I was only aware of 3 separate transactions of {$17.00} each processed on the same day. I filled out a dispute form explaining these charges were fraudulent and was given a new debit card. I informed the banker I have a XXXX account, however, I use my Midfirst Credit Card to pay my monthly fees. The dispute department researched and declined my fraud claim because they said there was a pattern of charges. I called the area manager furious about this decision. She explained to me that there were separate charges for different amounts going back to XX/XX/2019. She assured me that I could fill out another dispute form and she would forward them to the appropriate department for review. Within a week or so of the newly resubmitted forms I received some letters stating they found fault with the transactions from XXXX, XXXX, and XXXX. However, they stated they would not refund the transactions from XXXX and XXXX. In other words, even though the debit card was compromised they refunded some of the XXXX charges, however, refused to credit back the 6 charges totalling {$100.00}. Some of these charges have alleged signatures and some are labeled as XXXX. I spoke with the area manager a few days ago, actually going into the bank stating that I would like to resubmit a form for fraud on the remaining 6 transactions. She stated, " I wouldn't worry about submitting the forms again, they'll just get rejected again. '' Is that how a banking manager should act toward a customer? Taking away my right to dispute fraudulent transactions. I wanted a copy of my signature, and proof that I authorized those transactions. Proof they could not provide. I attempted numerous times speaking with the area manager and someone who is above her. As a longtime customer of Midfirst this situation is extremely frustrating. All they had to do is make the situation right, it's just that simple.
Consumer complaint received 2019-12-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

On XX/XX/2019- Officially pre-approved for a mortgage. Contact made first from XXXX XXXX XXXX who informed that the next person to take over would be XXXX XXXX. XXXX XXXX communicated effectively to both applicants. XX/XX/2019-Begins communication with XXXX XXXX . XXXX vaguely stated that she needed items for the mortgage. Information sent. Each step of the process XXXX took a full day to respond. Then XXXX called one of the applicants requesting information from the husband. There is no husband in this marriage. XXXX requested information from the husband several times over a period of days before finally answering the phone and being told that there was no husband or male in this application process. XXXX stated that mortgage was rejected due to only one applicant making less than {$7000.00} a year. XXXX did not review all of the documents submitted causing denial of mortgage and resubmission of all documentation Real estate agent contacted XXXX stating that the lack of communication and understanding of documents submitted is unprofessional. Request to speak with supervisor made on XX/XX/19. XXXX XXXX ( supervisor ) became defensive and stated that XXXX was doing her job and made a few errors. XXXX XXXX stated that XXXX XXXX stated that I worked part-time and mentioned information was incorrectly entered at the beginning of the process. Request was made for a new loan officer. XXXX took over the account and notified applicants that a conditional approval was made. Request of a donor letter from a bank was made. Donor letter was sent on several occasions. Spoke with XXXX XXXX on XX/XX/19 asking if the letter sent was acceptable for XXXX responded that she submitted the letter because she does not know how to reiterate to the applicants what is needed. Applicants read through the emails yet again and not once does any email indicate that the donor letter come from the donor 's bank which tremendously prolonged this process. Request contact with supervisor. Connected to XXXX XXXX. XXXX XXXX answered the phone call right away and applicant stated that there has been frustration with several workers in this process. XXXX XXXX proceeded to yell to the point where the audio was breaking up in this phone call. Request was made to this supervisor. Email and voicemail left for XXXX XXXX director of mortgage loans of USAA. Closing date is XX/XX/XXXX and present date XX/XX/XXXX when application was submitted XX/XX/2019. Applicants feel involved parties at USAA are sabotaging the loan after almost ten years of loyal service to USAA.
Consumer complaint received 2016-11-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: KEYCORP (TN)

I have had a number of problems with my private loan from Key Bank. They principally deal with the difficulty in getting a forbearance for what I believe to be legitimate reasons. First, when I called them asking about a forbearance they said that my loan did not qualify for a forbearance. But when I looked at my promissory note it said that a forbearance is possible, but at the bank 's option. I believe there is distinction between not being qualified for a forbearance and them looking at my case and rejecting it. When I asked ( after several calls to their customer support ) if there are any options besides a forbearance they said that they have a suspension of payment program that I would have to apply for and then the " work-out team '' would decide if I was eligible. I asked for a six month suspension of payment ( but I was willing to shorten the duration ) because I had to take a leave of from work ( from a company that I co-own ) in order to go home and take care of my dad who was recently XXXX. After talking to numerous customer service reps and managers, I was finally told by a manager that they did not consider me taking care of my XXXX father as an emergency situation that qualified for any assistance at all. 

Additionally, when I recently finished XXXX in XXXX I started making payments on my loan in XXXX - which seems like an incredibly short grace period. Further, when I called their customer service to see if I could postpone or lower my monthly payment so I could have time to get a job ( all I would need is three months ) in order to even consider a decrease in monthly payments much less postponing them, they said that I needed a job offer with an exact start date. I found this odd because I was looking work and could start immediately, so if I had a job in hand, why would I ask for a postponement because I was looking for a job? 

In general I found the customer service incredibly rude and insensitive. One representative even asked me if I really had to be there with my dad when he was XXXX of XXXX. I have other student loans ( although this is the only private loan ) and they all have been incredibly helpful and easy to deal with. I believe that Key Bank represents among the worst in the student loan business.