davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
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. (NY)

I have attempted to receive a response by writing but i did not. Inaccurate late payments are hurting my score and according to 15 U.S. Code 1666b - Timing of payments ; they must be removed from my report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has a violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Experian Account name : XXXX XXXX ACCOUNT # XXXX Account name : XXXX  XXXX ACCOUNT # XXXX  Account name : XXXX XXXX  ACCOUNT # XXXX Account name : XXXX XXXX/ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXXACCOUNT # XXXX Account name : XXXXXXXX XXXX XXXX/ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX  XXXX # XXXX Account XXXX : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX/ACCOUNT # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of the convictions of crime which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I received a pre-approved credit card application from Capital One even though I have frozen my credit. My understanding is that we should never get such an application while by credit is frozen. I don't want this type of application in my name in the mail or anywhere.
Consumer complaint received 2022-07-26
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. (TX)

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

15 U.S.C.1681 Section 602a states that I have a right to privacy.

15 U.S.C.1681 Section 604a Section 2 states a consumer reporting agency can not furnish any account information without my written instructions.
Consumer complaint received 2019-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

It is a very long story but to put it short and simple. 
XXXX is a airline working with US bank credit card with a rewards program. 

Us bank issued a rewards number that XXXX does not recognize. 
XXXX is now with a new platform XXXX that also does not recognize the rewards number. 

The company claims you are building rewards but the rewards are not accessible not by US bank, XXXX or XXXX. 
I have this problem, my mother and my cousin. 

When I got the card, a year ago, I asked US bank to transfer the points to a rewards number that was recognized by the company, they did once! 
Since then I still have other points that were accrued and earned and they will not allow access or transfer those points.
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WA)

I have an Open account with XXXX Collection they account was paid in FULL before I purchased my house in XXXX, I then File Bankruptcy and was discharged of my debt in XXXX XXXX. Equifax continues to report it has an Open Collection which it is not I have contacted them XXXX time to get this close with proof of payment bankrupt discharge etc. They still refuse to close the account.
Consumer complaint received 2022-07-26
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. (CA)

Transunion had done nothing to correct my Credit Report and remove the Fraudulent Information completely from my File. I have been sending countless letters appealing to the Credit Bureaus to verify the disputed items and remove them if unable to prove that the Items are mine. I have been a victim of Identity Theft and The items I am disputing do not relate to any transaction that I have made or authorized. Neither did I received any possession of goods, money, services, nor benefits from the Theft of my Identity. I reported the theft of my identity to the Federal TradeCommission and I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Report and the Police Report that I have filed on my local police department. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Transunion about the theft of my Identity and that the items were never mine, Transunion never cared nor paid any attention to my Disputes. Transunion became negligent of the FCRA law and continued reporting these information on my File without Proper Verification nor Investigation. I came to a conclusion that the Credit Bureaus are not afraid to break the Federal law thus they chose to be lazy and neglected my appeals. I am tempted to take legal action against Transunion but I will be generous enough to give them couple more chances to prove me wrong about my conclusion. Once again, I am urging the Credit Bureaus to remove the following items completely from my File with or without proper verification since the time given to the Credit Bureaus to investigate was already over. I need the following Items removed now! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have contacted Experian at least 10 times since 2019 to remove accounts that are incorrect, unvalidated and/or unverified. 
-They have not removed this information, despite not sending me, as I have requested, a consumer contract with my signature, instead they continue to report these accounts. 
-These accounts also do not appear on other reports, yet Experian continues to report these accounts. 
-Additionally, in the latest report I have, they have failed to put a 100 word statement that I listed multiple times in dispute to one of the accounts that incorrectly appears on my report since it continues to appear -Additionally, they removed an address that was correct -Yet, they have not removed incorrect, unverified or unproven, unvalidated accounts and have not shown accounts to be disputed with the 100 word statement -Despite repeated request for contracts to actually validate these accounts and verify them, Experian refuses to remove the account and continues to report this information without reinvestigation and continues to report unvalidated accounts not removing them. Under Fair Credit including sections 609 and 611, they are supposed to delete these accounts, yet they keep reporting them, refuse to remove them despite my repeated requests under federal law.

Please remove these accounts from the credit report immediately. Thank you.
Consumer complaint received 2022-12-15
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY (HI)

I received a targeted special invitation via email to open a Kabbage checking account. I applied and was immediately declined for selecting a prohibited industry type. I am a reseller and that industry type is NOT on Kabbage 's list of industry types to choose from so I tried to pick something similar. I ended up selecting Other Miscellaneous Retail ( excluding tobacco ). I called Kabbage to explain my extenuating circumstance, but they would NOT allow my denial to be reconsidered. That is totally ridiculous. Why even send me the special invitation in the first place? On top of that, why is Kabbage even putting these so-called prohibited industry types on their list? Why not just exclude them to begin with? This is a complete waste of everyone 's time.
Consumer complaint received 2021-02-17
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 (NC)

I received an email today from American Express ( I have the XXXX XXXX American Express card ) stating they are switching my statements without my permission to paperless. It does state I can call or go online to change it back but I don't feel they should be able to just do this. The reason I have mailed statements for all my bills is that is how I pay them out of fear I would miss seeing paperless. I don't believe this is an ethical business practice and it should be stopped.
Consumer complaint received 2019-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

On or around XX/XX/XXXX I called XXXX XXXX to inquire on the cost of coverage for a home I was in the process of purchasing. I received a quote but decided to go with another company. About a month later I received a bill in the mail from XXXX. I called the company and was told it would be taken care of because there was a misunderstanding on the companies behalf. A year later the account showed up as a collection on my credit ( I can not remember which collection agency it was listed with. ) At that time I disputed the account as not mine and contacted XXXX to advise. A representative again told me it would be handled. Then in XX/XX/XXXX the collection appeared again on my credit. I called XXXX and spoke with a supervisor who advised he would contact CCS Collection to have the account removed. He stated it would update on the credit bureau within 72 hours. I never signed any documents or agreed to use XXXX as my insurance company, I only asked for a quote. I chose XXXX for my homeowners insurance in XXXX of XXXX so I should not have been billed for anything because XXXX did not provide me with any coverage. My mortgage was set up with an escrow account which I would have provided the insurance company 's information to had I used them ( escrow was a requirement. ) Also I never received any type of communication from CCS Collections. I have been told repeatedly they would take care of the situation and three years later, there is still a collection reporting to my credit.
Consumer complaint received 2019-09-26
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: Home Loan Center, Inc. (MI)

XXXX  XXXX did a hard inquiry on my credit report that I did not authorize, they asked for my social security # and I refused to provide it. This all started with a simple inquiry on Lending Tree to see current rates to refinance. Since they did not have my full SS #, they must have used the last 4 digits that I was required to provide to Lending Tree to see rates. I have already contacted Lending Tree to let them know of my displeasure with them but they aren't the company that actually ran my report.
Consumer complaint received 2022-10-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I got this loan as a requirement to get an XXXX XXXX XXXX through XXXX. Wanted to pay the full amount, but they had limited stock and bundled it with this installment loan. 

I paid off the balance within a few months and thought it would be closed since it was an installment loan. 

It never closed. I called in XXXX and requested the account be closed. A few months later, it is still on my credit report as " Open ''.
Consumer complaint received 2019-09-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (LA)

I have never been late on my regular note. I send an extra XXXX a week, by check..to the address Chase stated and written on the check is " principal payment ''. I do this because it adds up to an entire payment going to principal a year. However, Chase continues to post to interest, I have to check each payment, take a screenshot of the posting and call them. They can take over a week to correct the posting but meanwhile I'm being charged interest on the principal total, so I believe basically that my extra principal payments are being eat up in interest because of Chase 's poor posting habits.
Consumer complaint received 2020-12-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

In XX/XX/2020 I noticed 26 charges from XXXX for {$90.00} all in a row and then there was one for {$26.00} and another for {$63.00} from a XXXX. I immediately called my bank, Fifth Third, to put in a fraud case, which they did. They refunded my money after 7 days and waited for the case. Well XXXX is saying they have my information and that these charges are valid, so my bank just believes them and doesnt fight it resulting in them adding all these charges back onto my account and over drafting my account by {$2200.00}. They didnt fight it, they didnt notify me, they just believed what XXXX said. They wont waive over draft fees that I will incur which is over {$1000.00} in overdraft. I havent had a XXXX in over 5 years and even when I did, I never played games or put in my credit card information. We strictly used it to play XXXX  Discs. My bank is not helping me out in anyway when Ive told them repeatedly these are fraud charges! 28 charges in a row, one right after the other, and they didnt catch it. I just need any help I can to get that money back. They told me to take it up with XXXX. Im desperate at this point
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account Name : XXXX XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-26
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. (VA)

In accordance with the Fair Credit Reporting act 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 2019-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (IN)

I spoke with a customer service rep for Nelnet back in XX/XX/XXXX. I was trying to get an amortization schedule because I wanted to see how my balance was being paid down over time as well as a breakout of interest vs. principal. He said there is no way for Nelnet to provide me with that. ( See attached below. ) The reason I asked is because my loan terms just didn't seem to add up. I felt like I was paying much more than I was supposed to based on my interest rates. This morning ( XX/XX/XXXX ), I received an email from Nelnet indicated that my student loan rates were increasing. I was not aware that this would happen. I then checked my email history from Nelnet and found that the interest rate for this loan has been raised twice in the past with email notification dates from XX/XX/XXXX and XX/XX/XXXX. Nowhere in my loan details on Nelnet 's site does it say that my rates would increase or that the interest rate is variable for that loan. My payment amount did not change, either. Which is why I was unaware that more of the payment was going towards interest. This is why I wanted an amortization schedule in the first place back in XX/XX/XXXX. 

In the chat transcript ( see attached ) from XX/XX/XXXX where I asked about the amortization table, the Nelnet rep mentions that he does not see interest rate variability on my loan. This
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I take advantage of XXXX yearly. When I applied for a home loan through XXXX in XXXX what I'm about to list wasn't on my credit report. When the final credit check was done in XXXX, XXXX six fraudulent student loan accounts were appearing on XXXX, XXXX, and two on XXXX. The six on XXXX and XXXX were created by XXXX XXXX. The two on XXXX were created by Bank of America. The dates and amounts that are listed on my credit report are false. I had stopped attending school in XXXX due to a XXXX caused by an automobile accident. I had a student loan with XXXX XXXX in XXXX. This loan was paid off. The following are the six accounts by XXXX XXXX on my credit report : 1.Open XX/XX/XXXX Amount {$8500.00}. 2. Open XX/XX/XXXX Amount {$6300.00}. 3. Open XX/XX/XXXX Amount {$4700.00}. 4. Open XX/XX/XXXX Amount {$4700.00}. 5. Open XX/XX/XXXX Amount {$3600.00}. 6. Open XX/XX/XXXX Amount {$920.00}. 7.Open XX/XX/XXXX Amount {$3700.00}. 8. Open XX/XX/XXXX Amount {$1200.00}. 
Number Three and Four are the same amounts, but have different account numbers on credit report. Number Seven and Eight have had disputes filed in XXXX, but continue to remain on report. Numbers 1-6 are XXXX XXXX accounts falsely created and Numbers 7-8 are Bank of America.
Consumer complaint received 2022-08-16
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. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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