davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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. (NC)

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 2022-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NH)

My last statement balance was {$370.00}. Best Buy/Citbank is showin a last payment on XX/XX/XXXX. They are showing a last payment made on XX/XX/XXXX. Yet I have made 3 subsequent payment after receiving harassing emails and phone calls. You can see from the attached that I made XXXX subsequent payments and am now overpaid by about {$500.00}. I also se that the money has been paid to Best Buy from my XXXX XXXX bank account. I am currently applying for a mortgage, and while Best Buy can see the payments, they can not explain the credits have not been applied to my balance. This is their error not mine, and I've overpaid by {$500.00} due to constant threats and badgering. What has me most concerned is that when I call customer service, they can see the payments, but can not do anything to stop reporting to credit reporting agencies. I want this issue resolved, a credit for my overpayments, and any progress with credit reporting agencies stopped.
Consumer complaint received 2022-02-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc. (NJ)

False Statements/XXXX XXXX XXXX Ive filed several complaints regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX They refused to send me a maintenance bill for XXXX my fully paid resort membership. 
I received a letter telling me to contact the crooked corrupt collection agency Aspen National Collections XXXX XXXX XXXX XXXX FL XXXX XXXX ; XXXX, who have added over {$500.00} to outstanding maintenance fee from XXXX. 

We purchased the membership under duress ( held against our will for over 8 hrs because we were XXXX with threats that we would have to pay outrageous fees for our stay ) in XX/XX/XXXX. We paid over a period of time for the membership in full. XXXX XXXX XXXX XXXX has never sent me a 1099 so I can file gor the Real Estate Taxes that were paid. In additionXXXX XXXX XXXX failed to credit my account for the week that U paid the maintenance fee for ( Total of 7 weeks outstanding, 2 extra weeks vacation ( total of 8 ) because of denial of service!!
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion, XXXX and XXXX are reporting multiple inquiries on my account that I never authorized I was a victim of identity theft There are addresses on file that should not be on there Only XXXX XXXX XXXX XXXX XXXX fl XXXX should be on there They are reporting a collection account from XXXX XXXX that does not belong to me Transunion XXXX and XXXX are reporting a lot of inquiries to whom i dont have credit with and those inquiries need to be removed immediately I already sent in a idenity theft report
Consumer complaint received 2022-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (NY)

On XX/XX/22 I lost my prepaid debit card. I realized I lost my card when I arrived home and checked for my purse. I immediately checked my Mobile App to shut down my prepaid card and realized that XXXX fraudulent transactions had taken place on my account. ( XXXX & XXXX {$710.00} and {$19.00} ). I then called customer service to report my loss. I was able to block my card and to order a replacement. I was informed that I was unable to file a dispute while the transactions were still pending, although I verified the transactions were fraudulent. I followed procedure and filed a dispute on XX/XX/22 reference # XXXX. On XX/XX/22 within 24 hours I received an email stating my claim was denied. I think this is a travesty. what investigation takes less than 24 hours? This really put me in a bind, my direct deposit for my job is deposited into that account. All my money is now gone. I lost my card and acted quickly in replacing it, I did not have my PIN written down, I followed all the instructions in filing a dispute, but yet I was denied. I Need help.
Consumer complaint received 2022-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Trans Union, XXXX, and XXXX refuse to remove inaccuracies from my credit report which have resulted in an inability to be approved for home loans, credit cards, as well as increased interest rates on current credit accounts. XXXX  accounts were charged-off because the debt was not valid, and were removed only to be re-applied to my report on XX/XX/2022. The XXXX XXXX XXXX account has derogatory remarks that are inaccurate and this account is also invalid and should not appear on my credit report. I have asked XXXX not to share my personal and private information as they have been in violation of 15 U.S. Code 6802 and have not provided the opportunity for me to direct that such information not be disclosed to such third parties ( Trans Union, XXXX, and XXXX ). 

I am requesting ALL accounts related to XXXX and XXXX be permanently removed from my credit report. I am also requesting monetary relief for damages caused by derogatory reporting.
Consumer complaint received 2022-02-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Paramount GR Holdings, LLC (MO)

A finance company called Goodleap is financing a XXXX XXXX XXXX XXXX XXXX owned by XXXX XXXX. The initial finance company was XXXX and Goodleap bought them out and assumed the XXXX XXXX. XXXX is a scam and is ripping customers off. There is a XXXX  page XXXX XXXX class action lawsuit where you can view all of the complaints and class action lawsuits filed agains XXXX. XXXX has installed systems that do not work, fail and botched installs. They didn't contact my electric company even thought they claimed they did. My install was botched and is still not working. They have been out 4 times to fix it and it still is not fixed. I requested the system be removed and due to all of the complaints I have seen I do not want to deal with the problems their systems have. They are not taking care of the problems and is a constant issue I will not deal with. I requested Goodleap cancel my load because I was not going to pay for a system that does not work. To offer a compromise I suggested they send the loan money to me and I will pay them back if they were not willing to cancel my loan. They have threatened to put a lien on my property. The only lien they have rights to, according to the salesman that sold me they XXXX system is a mechanical lien. Goodleap is harassing me by calling me non-stop and sending me a bill with interest that is accruing. Goodleap, formerly LoanPal, needs to be held accountable for being affiliated with the XXXX companies bad business practices. The loan was signed in XX/XX/2021. The install was done about a month later. I can get exact dates for you. The sales person XXXX XXXX is claiming he didn't know XXXX was a scam and is trying to help people recover from XXXX scams on his customers.
Consumer complaint received 2023-02-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-05
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: Convergent Resources, Inc. (PA)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC section 602 states i have the right to privacy.

15 USC1681 section 604 A section2 : it also states a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2022-02-27
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. (SC)

PURSUANT TO 15 USC 1681a ( 1 ) which states that THE CONSUMER HAS A RIGHT TO FAIR AND ACCURATE RECORDING. EQUIFAX, XXXX and XXXX ARE XXXX VIOLATING MY CONSUMER RIGHTS AS THE NATURAL PERSON, CONSUMER AND CREDITOR BY NOT REMOVING ALL DEROGATORY/NEGATIVE REPORTING ITEMS THAT I DID NOT GIVE MY WRITTEN CONSENT PURSUANT TO 15 USC 1681b . THIS ELABORATE MECHANISM CALLED E-OSCAR, A NON-HUMAN AUTOMATED DEVICE HAS TAKEN THE HUMAN ELEMNT AWAY FROM BINDING FACTS AND PLACES MYSELF THE CONSUMER, CREDITOR AND NATURAL PERSON AT A HUGE DISADVANTAGE. THE HISTORY PORTIONS OF MY CREDIT REPORT HAS NOT BEEN UPDATED CORRECTLY..THEIR SHOULD BE NO RED X MARKS ON MY HISTORY SECTION.. CORRECT YOUR INACCURACIES OR I WILL NO LONGER EXTEND MY CREDIT TO ANYONE AND I WILL NO LONGER DO BUSINESS WITH YOUR AGENCIES AGAIN.
Consumer complaint received 2022-02-27
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. (NC)

In accordance with the Fair Consumer Reporting act XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (NC)

I'm being contacted by email repeatedly by a company called True Accord. I've made it clear they have the wrong person and they will not stop emailing me after I've asked via email and unsubscribed from communication. 


The information is below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX ) Office Hours : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-27
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. (FL)

In accordance with fair credit reporting act XXXX XXXX Account # Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2021-06-13
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: Capital Accounts, LLC (TX)

Capital Accounts have been reporting to consumer reports regarding an alleged debt of {$21000.00} without written or oral consent. This is unfair and unjust. I dont owe this debt and this debt isnt valid. Pursuant to 15 usc 1692g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 15 usc 1692c I have sent cease and desist letter as well as a debt validation letter and this company has not complied with my requests, Pursuant to 15 usc 1692 ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ;
Consumer complaint received 2022-02-27
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. (FL)

In accordance with fair credit reporting act XXXX XXXX Account # Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-27
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. (FL)

In accordance with fair credit reporting act XXXX XXXX Account # Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AXOS FINANCIAL, INC. (MA)

On XX/XX/2021, in response to an unsolicited ad sent by Axos Bank, I opened a checking account expecting to be given a bonus of {$100.00} if I fulfilled all the requirements. I used the link provided by Axos to apply for the account. Specifically this link was attached to the ad for the bonus. During the application for the checking account I was asked to put in the promo code XXXX  which I did. I funded the account with {$50.00} and later had direct deposits of {$1500.00} within 60 days as required. I was to receive the bonus of {$100.00} within the first 5 days of the third statement cycle. When I did not get the bonus, I inquired by email and was told that I did not sign up for the proper checking account. I was not aware at the time of the application that there was any substantial difference in checking accounts with respect to the {$100.00} bonus. I was told the bonus was only for the Rewards checking and not the Essential checking which I apparently opened. I feel this is bait and switch and fraud. I responded to an unsolicited ad offering {$100.00} to open a checking account which I did. I see no significant difference in the terms of the two kinds of checking accounts and contend this is fraud. I should be awarded the bonus. The purpose of the ad was to get new business which was accomplished. Axos Bank needs to honor its part of the bargain.
Consumer complaint received 2022-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MS)

I was turned down for a Sams Club XXXX because of a Bankruptcy proceeding that was done and over with in XXXX, discharged in XX/XX/XXXX, subsequently I received the Sams Club Card personal credit card ( among others ), ( with bankruptcy on record ), and I would like a reconsideration of the request for the Sam Club MasterCard. Consumers should be found " credit worthy '' / '' approved '' based on their Present credit '' " performance, not based on old information in their credit file. It has been several years since the bankruptcy was initiated and processed, " not recently ''. If my credit was " good enough '' right " after bankruptcy '' to get a " Sam Club Personal Credit Card '' " account '', surely it is good enough to get a Sams Club MasterCard. My Sams Club Personal Credit Account has been open several years now, non problems and is current. Since Synchrony Banks enquiry, my credit score has " decreased '' " several points '', and that stays on my record for two years. So why not go ahead and approve me for a Sams Club MasterCard account since the enquiry was made and my present Sams Club Account is in good standing/current, ( see attachment ( s ) ). I have several other credit cards and ALL of them are current as of todays date, XX/XX/XXXX. I hope Synchrony Bank will reconsider, if not, then I will consider if I want to keep the present Sams Credit Account open or not. Good paying costumers should be appreciated, not held back or punished because of derogatory information that is years old in their credit report. I will consider filing a complaint with Consumer Financial Protection Bureau. 

The response I got from an employee today, ( online ), is not acceptable ( see screenshots ). Does not address my concern about the XXXX, only about credit bureau inquiry which I did not ask about... ( I was purposefully " ignored '', why is that? ). Probably because of Incompetent employees working there .....
Consumer complaint received 2022-02-27
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. (FL)

In accordance with fair credit reporting act XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-04
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. (CA)

In accordance with the Fair Credit Reporting Act Experian account # XXXX, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. Also 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.