davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-26
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. (KY)

The credit bureaus keep disrespecting the law.I showed them multiples times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts tht are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus DONT HAVE WRITTEN PERMISSION from me According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation errors A person shall not furnish information relating to a consumer to ANY consumer reporting agency if- ( XXXX  ) the person has been notified by the consumer, at the address specified by the person for such notices, that specified information is inaccurate ; and ( XXXX ) the information is, in fact, inaccurate. 

I can go on and on ... ..... 

The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I am submitting this complaint to being notice to of the unlawfully reported unauthorized accounts on my consumer report this has violated my federally protected consumer rights to privacy and confidentiality under the FCRA law USC 1681. I have not given my written permission to put anything on my credit profile. I have been violated by you as state 15 USC 1681b You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated Identity THEFT! to title 18 USC 1028A. You have knowingly possessed, transferred, and or used without lawful consent and authority means of identification of me. Which is a Felony Punishment of 2 YEARS imprisonment! including civil liability, You're in violation of 15 USC 1692g and can be fined {$1000.00} per violation Delete these account per my written instructions.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (WV)

My credit score provided by XXXX XXXXXXXX  to Equifax still shows bankruptcy and other inaccurate information as hurting my credit score. XXXX says they only use info on the credit report but the credit report does not show that information.
Consumer complaint received 2019-07-09
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. (VA)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I still see items that aren't mine. I have reached out to the FTC and to my local police department and I am doing this on my own behalf, I don't understand what's going on but these items are not mine and all these items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( lnquiries ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Bass & Associates, P.C., Attorneys at Law (MD)

My name is XXXX XXXX, since XX/XX/2019 i been in contact with Bass & Associates to try set up a payment plan to get in to Loan Rehabilitation program. Bass & Associates is a loan process for Department of Education. 


Since XX/XX/2019 i have being getting the run around to trying to complete the appropriate document, 1st i contact bass & associates XX/XX/XXXX, i was told to send pay stubs and student loan payment document, after submitting this documents Bass & Associates never contact me with my application update, 2nd i contact bass & associates XX/XX/XXXX to follow up regarding the document i submitted, i was my paper work is in process i will receive loan rehabilitation agreement in mail within 10 days 3rd i contact bass & associates XX/XX/XXXX to follow up regarding my status, again i was told everything is received i will receive rehabilitation agreement within 10 days 4th i contact bass & associates XX/XX/XXXX to follow up regarding my status, and again i was told all my document was received i will getting rehabilitation agreement within 10 days. 

5th i contact Bass & Associates XX/XX/XXXX, i was told i am missing one document i should be re-submitting Loan Rehabilitation expense form ( which i did XX/XX/2019 ). 

All above contact was made by me via a phone the hold time to get bass associates on the phone is average 1-2hr. 

It have/has been extremely difficult to try to communicate and solve the problem with bass & associates and department education, my life have been put unhold, This has been trumades stress on my life, to the point i am seeking a medical help. 

The lack of communication from Bass & Associates and Department of Education and not providing a proper customer service has been ruining my life, Mentally, physically. 

i greatly appreciate your assistance in matter Thank You XXXX XXXX
Consumer complaint received 2019-07-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates LLC XXXX XXXX  XXXX XXXX, Ca XXXX We have Paid in full many of our accts with this company. They just keep coming at us now on accts that have been paid off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Portfolio has not notified ... the prior collection agency or agencies money has been paid for the same accts either. 

That they are paid off in full no negotiated amount. To XXXX XXXX, and or XXXX XXXX paid {$320.00} ck # XXXX Paid to XXXX XXXX XXXX XXXX ... ( XXXX, and XXXX XXXX Also ) XXXX XXXX {$410.00} ck # XXXX Paid to Portfolio Recovery XXXX XXXX {$370.00} ck # XXXX ( is XXXX, XXXX  XXXX also ) Paid to Portfolio Recovery XXXX {$260.00} ck # XXXX ( Which is XXXX, & XXXX ) Paid to Portfolio Recovery They have accts for both me and my huband and the amounts paid are for all the accts we have with the creditors.
Consumer complaint received 2016-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans Union Credit Reporting Bureau had a glitch in their credit reporting system that violated the rights of consumers under section 6.11. By Trans Union deleting and reinserting information, I have been gravely affected and my credit score has suffered significantly. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed immediately.
Consumer complaint received 2019-07-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2019 there was a charge made in my account from XXXX XXXX XXXX in the amount of {$180.00}. When I noticed the transaction I contacted Capital One and explained to them that this was an unauthorized transaction. They opened a claim and issued me a temporary credit on XX/XX/2019. On XX/XX/2019 the credit was reversed. I contacted the bank to find out what was going on because I hadn't received any correspondence regarding this claim. They told me that they contacted the company and they had my name, email, and address and that the claim is closed as being valid. I asked for the contact information for the company and when I contacted them they said that this charge was for an online school. I explained to them the same as I had explained to my bank and they told me that my bank had closed the claim in their favor and that there was nothing that they could do. the letter decision/non-factual conclusions based on circumstantial " evidence '' which draw no conclusions of FACTS regarding this matter is what Capital Oneis using as a reason to not refund my money. I previously stated to Capital One, that I did not benefit from these transactions Capital One 's unverified conclusions were based solely on circumstantial papers or hearsay. The decision of denial regarding the disputed transactions Is prejudicial to, XXXX XXXX XXXX as Beneficiary of the XXXX XXXX XXXX account. without verified proof Capital One has a duty to replace the funds taken from the XXXX XXXX 's account. 
Sincerely, XXXX XXXX, Account beneficiary All rights reserved XXXX.
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MO)

End of XXXX or early XX/XX/2019 on a Saturday while I was at work, Synchrony bank/ amazon credit contacted my fianc on XXXX. This telephone number has never been listed on any of my credit accounts as a form of contact and the only connection I have with this telephone number is that the line of service is in my name. The caller/collector began to disclose personal information regarding the attempt to collect an amazon credit card debt. This person violated privacy acts by disclosing information to persons not listed or associated with this account. They also contacted a telephone number which had never been listed on my credit account with synchrony.
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

back in XXXX I started to check my credit report for first time and to get a better understanding with that being said I came cross a judgment from portfolio recovery associates llc they file back in XXXX or sooner while doing some digging I came cross a judgment from portfolio recovery associates llc but this time it came from XXXX , county for the amount of {$1500.00} and the judgment in XXXX county amount is {$1400.00} and when I ask portfolio recovery associates about it they wasnt it having it told me it to late that they dont need to show me anything and wasnt giving me the right information they just only send me a statement with my name and old address and for the amount of {$1500.00} and the date of this statement is XX/XX/XXXX from XXXX portfolio recovery associates Attorney now telling me I own {$2800.00} and when try work it with Attorney for portfolio recovery associates they wanted {$2400.00} I am so lost on what amount is right and I just think that portfolio recovery associates is just trying to get more big money profit than to work it out with the Consumer how can any amount given be 100 % accurate
Consumer complaint received 2019-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

There was an Amex Gold Card offer for XXXX membership rewards points after XXXX dollar spent. I applied it on XX/XX/XXXX, got approved on the XXXX. Nothing popped up says i wasn't eligible for the welcome bonus. I hit the XXXX spent with in one month, but i didn't receive the bonus. Then, I waited another month, I messaged amex in the app on XX/XX/XXXX, they said they do see the offer, and I need to wait 3 month plus 8-12 weeks to be the points be posted. On XX/XX/XXXX, I messaged them again, now they said my welcome offer was declined.
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (DE)

I Had opened a case with Coinbase on XX/XX/2019 regarding an unauthorized action on my account, and my Account is put on hold to no ability to login from that time, it's more than 45 days and still my case is not resolved, i had contacted their support team more than 10 times, they say that " Account Specialist is working on it '', without providing any further information.
Consumer complaint received 2019-07-09
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. (TN)

I'm in the market for a new car and I was told to check my credit report before I went to the dealership. I checked my credit report and I noticed a few items that I didn't authorize. I've reached out to the FTC and to my local police department and I am doing this on my own behalf. Again these items are not mine and I need these items deleted from my credit report. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2022-12-15
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. (NC)

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX RE : ( Business checking account number XXXX ) Dear Bank of America XXXX XXXX name is XXXX XXXX who has been loyal preferred rewards XXXX XXXX customer since XX/XX/XXXX. I opened a business checking account number XXXX and linked all my bank of account and XXXX edge accounts together. As you can see, on my account page, Bank of America ( BoA ) determined my business checking account as platinum honors preferred reward customer ; as a result, I relied on Bank of America information and kept all my accounts over {$100000.00} together. However, Bank of America charged monthly fee {$29.00} from XX/XX/XXXX through XX/XX/XXXX. When I inquired the bank of America customer service, BoA customer rep acknowledged that this is a BoA system issue but only refunded me for XXXX month monthly service fee of {$29.00}. Because of BoA systemic error, as a customer Im being penalized for following BoA policies and procedures, which is totally wrong.

In conclusion, I hereby respectfully request bank of America follow consumer financial protection bureau and banking rules and regulations and stop unethical practices for incorrectly charging me XXXX months monthly fee of {$29.00} in the total of {$89.00}. Also going forward, I already ensured I kept my business accounts balance over {$15000.00} knowing that BoA has a systemic issue of incorrectly determining customer reward status. I look forward to your reply and a resolution to my problem. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

I am participating in the Public Service Loan Forgiveness program, and they have not provided with information regarding how many eligible payments I have completed. Despite multiple attempts at contacting them ( MyFedLoan ) for over 1 year asking for updated qualifying payment information, I have not received any information.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX L Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2019-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

XXXX came out to the house to get new service but unsuccessful because there is/ was no land line to my house. All equipment that technician left and was never connected returned to the store. I have receipt. No connection available to my neighborhood. They charged me for services never rendered, never had internet or cable with them. I went to their store to dispute charges. They gave me credit. I have receipts. Communication between store and billing was never accomplished. Bill went to collections agency!!! Not fair it ruined my credit. I attempted several times at XXXX store. This is fraud!!!
Consumer complaint received 2019-07-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

The loans are giving me hardships due to not being able to live off of the income post loan payments. We never missed a loan payment at all and should be able to have some help in this stage. Also, the school misled us ( Co-Signers and Borrowers ) on the loan payments nor the amount of money each semester. They also mislead most students on how they said they would offer help to the graduating students on getting jobs in their field and almost half couldn't get a job in their field at all.
Consumer complaint received 2019-07-09
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. (TX)

First experian credit bureau company let these people mess my credit up with these inquires and these accounts that was place on there from medical file also i have a XXXX XXXX XXXX and this is very stressful looking at this and seeing 82 inquires that they let people getting away doing people like this is unfair u cant understand nothing they say on the phone and they messing up your credit this is really unfsir
Consumer complaint received 2019-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp (TX)

I was contacted about student loan consolidation. I agreed to consolidate my student loans as this would save me money on a monthly basis. I was entered into an agreement with a company called Equitable Acceptance who has been charging me $ XXXX/month for the past 18 months. To date, I have paid this company {$880.00} and still have an outstanding balance of {$910.00} which means I will end up paying this company {$1800.00} for document preparation services to consolidate my student loans. I was unaware that I would be charged this massive fee, had I known, I would not have engaged in any agreement that would cost over {$1800.00}. After researching this company further, they are in active litigation for unfair collection practices and fraudulently charging customers. They currently are unaccredited with the XXXX and have an F rating. I will be de-authorizing the automatic payments through my bank effective immediately.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (GA)

My social security number was compromised in 2017 ; I have successfully called all accounts that did inquiries or opened accounts in my name during the time period in question, and Walmart is the only one who refuses to remove the inquiry from my credit report. Their reasoning is that I can not verify the information used to apply for the walmart credit card that someone else applied for using my social security number ; it's a bit difficult to do that when I have no idea who was using my social security number or what address they used to apply for the account. I would like for this inquiry to be removed from my credit report.