davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
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. (FL)

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  Account Number:XXXXXXXX  Account Name : XXXX Account Number:XXXXXXXX  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 2019-07-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was a victim of identity theft. Bank of America, and XXXX XXXX  has refused to remove the negative information from my 3 credit reports. I want my clean record back for the future.
Consumer complaint received 2024-04-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (CA)

I XXXX  XXXX XX/XX/XXXX. I've been paying Sallie Mae since I've XXXX with only a couple months paused during the beginning of COVID. Even during COVID, payments were being made under a repayment program. According to Sallie Mae, I've applied and been approved for the program twice. The program ended XX/XX/XXXX. Unfortunately, since then, I have not been able to make the minimum payments as the amount has increased by over {$300.00}. I've told Sallie Mae on NUMBEROUS occasions that i can not pay the new minimum payment. Since XX/XX/XXXX, they have told me to call back EVERY month to see if i am eligible for a new program and every month i get told i am not. Sallie Mae has gone out of their way to contact people who ARE NOT a part of my loan ( distant family members ) ( which i have evidence of ) under the guise of they can not get in contact with me. They constantly call me to harass and ask for money which i've already explained i do not have. On Thursday, XX/XX/XXXX, i spent XXXX mins on the phone with a representative and the only resolution to my problem was to figure out how to make the payments. I told the agent, i will make whatever payment i can when i get paid. On Monday XX/XX/XXXX at exactly XXXX, another agent decided to try and get their money from me. And again, i explained, i can not make the payments and will do when i can. I expect another call this month even though i already outlined what i am able to do. These calls are non stop and are taking a toll on my mental health and my well being. I feel like i am consistently being harassed by Sallie Mae and their employees. In XXXX of XXXX the call log is at XXXX times and thats only because i've told them multiple times to STOP calling me. I am tired of them calling people who have nothing to do with the loan. SALLIE MAE is stealing the XXXX of college from students. Allowing young minded people to sign over their lives for an enormous amount of debt which they or their parents may not understand SHOULD BE ILLEGAL.
Consumer complaint received 2023-10-04
Product: Credit reporting 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 the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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 2022-07-23
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXXXXXX 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 2018-09-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XX/XX/2018 my account was compromised, all of my money was transfered from my checking account into a prepaid debit account managed by Fifth Third bank called Access 360. During this time I placed a block on my Fifth Third Checking account. With this block in place automated payments for bills were charged to this account and I was subject to overdraft and item return fees. A total of XXXX  USD was subtracted from my account in reference to these automated payments due to no funds being available after my account was compromised. On the XX/XX/XXXX I contacted customer service the moment I notice the money was stolen and filed disputes. They have told me it is an issue with the prepaid card service Access 360 which is linked to my Fifth Third account. Since this has happened I have still yet to receive my funds back but now I have a total of XXXX dollars remaining in overdraft fees a total of 5 fees were assessed to the account in which 3 have been reveresed or returned, leaving the remaining overdraft balance to be XXXX dollars. I have contacted Fifth Third which they told me I needed to speak to disputes and disputes said I need to speak to customer service. All of which have said they can not reverse these fees. The fees are only there due to my account being compromised I had funds available before money was stolen and even then I blocked my account to avoid any transactions from being made yet they still took place. When speaking with customer service they had no interest in helping me only saying I need to speak to the dispute department which disputes said they can not dispute fees. I have a financial institution that has not been able to assist me with this account takeover.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I checked my credit report and saw I had 3 late payments on 3 different accounts on all 3 of my credit reports. Upon checking with the creditors XXXX XXXX XXXX XXXX XXXXXXXX, I saw that I did make the payments. Once I downloaded the 3 statements proving I made the payments and it was within the 30-day time frame, I submitted the dispute and the statements showing the payment. I submitted it on XXXX and it was " completed '' on XXXX. then I called and when the agents I spoke to weren't able to give me any information about the investigation they said they could resubmit and I could upload the documents again. I submitted it on XXXX and then again it was " completed '' on XXXX and the late payments were not removed. not only were they not removed but I again could not get any new information about how it was completed so fast.
Consumer complaint received 2022-05-20
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1500.00} ; ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} ; DP OF EDUC XXXX Balance : {$6300.00}
Consumer complaint received 2022-05-20
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Balance : {$0.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} ; DP OF EDUC XXXX Balance : {$6300.00}
Consumer complaint received 2022-12-16
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. (IA)

XXXX ACCT # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish these inaccurate late payments to the credit reporting agencies. The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. The continued reporting of these inaccurate late payments would constitute a breach of fiduciary duty by collecting this extension of credit by unlawful extortionate means. And under the CARES ACT which is still LAWFUL and has forbearance and credit reporting requirements that may apply to my situation. Since there is no law under the Fair Credit Reporting Act requiring XXXX  XXXX to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. XXXX XXXXXXXX XXXX  policy does not supersede FEDERAL LAW. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Consumer complaint received 2021-11-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY (DC)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open/end credit plan was denied my right of credit by THE AMERICAN EXPRESS COMPANY d/b/a AMEX. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by THE AMERICAN EXPRESS COMPANY d/b/a AMEX on XX/XX/2020 email. 
According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by THE AMERICAN EXPRESS COMPANY d/b/a AMEX adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { S5000.00 }. THE AMERICAN EXPRESS COMPANY d/b/a AMEX is now civilly liable to pay me for the damages.
Consumer complaint received 2021-11-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CountryPlace Acceptance Corporation (AL)

My wife and I closed on the sale of our property located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/2021. Our mortgage company for that property was CountryPlace Mortgage. I was informed that I would receive my escrow refund after approximately 20 days. I had not heard anything further from them [ CountryPlaceMortgage ] until I contacted them on XX/XX/2021. I was told that the escrow check had been approved on XX/XX/2021 and was supposed to have been mailed out to me soon after. As I had not received the check, I gave them my new mailing address and was told to call back had I not received it by XX/XX/2021. On XX/XX/2021 I called back as I had not received the check. I was informed that there had been no note in the system that a check had been cut as of the date and they would look into the matter and that I would hear back from them by the following Monday, XX/XX/2021. I did not receive a call, and on XX/XX/2021 I called back as I still had not received a check. I was then informed that there still was no note in the system that a check had been mailed, let alone been issued in my name. I was advised once again that I would hear something by COB XX/XX/2021.
Consumer complaint received 2021-11-14
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. (OH)

I contacted the company numerous times with no response just closed out complaints. The companys listed refused to remove the inquiries posted on my credit report after I requested proof for the negative remarks. 

The companys listed have multiple inquiries with different dates which is illegal alone and my information is being used without my consent. They also cant show proof that they validated any of the transactions used in my name to place these remarks on my report.
Consumer complaint received 2021-11-14
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. (NM)

Experian buries the dispute submission form making it very difficult to submit a dispute and their phone line is always busy on different days and different times. This is the number XXXX given on website. While the other agency allowed me to dispute personal addresses, Experian would not let me submit a dispute stating that I have to contact the vendor and make them change my address. At the least, they need to make it easy to find the dispute menu like the other two agencies.
Consumer complaint received 2022-05-20
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: CREDIT ACCEPTANCE CORPORATION (TX)

In accordance with the fair credit Reporting act Credit Acceptance Corp # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2021-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2021, I charged the amount of {$100.00} on my XXXX credit card. I do not do any online banking. Therefore, my credit card statements are listed as paper billing. For 14 yrs, Ive NEVER been late on any of my credit card payments. In addition, regardless of the charge/s made, I often pay all or most of my balance when I receive my bill. Sadly, I did not recall the above charge being made on this card. When I finally received my bill, I immediately made the payment- in full. XXXX reported my account to TransUnion as DELINQUENT based on this late payment- which lowered my credit score. This has now made it difficult for me to refinance my home. I've called XXXX three times now to try and resolve this issue. None of my calls resulted in any correction. 

On XX/XX/2021, I received a letter dated XX/XX/2021, from XXXX asking me to " please call us... we need additional information to clarify your recent inquiry. '' I immediately called the number that was given to me on the letter. I was on the phone for almost two hours with different " Associates '' about this letter. None of the " Associates '' knew what this letter was about and/or why it was even sent. I was told to disregard the letter. After many requests to speak to a Supervisor, I was finally tranferred. When I spoke to a Supervisor, she informed me that, " I do not know what that letter is regarding as there is nothing on our end that pops up. '' This Supervisor confirmed that a single delinquency is generally not reported to a credit reporting agency until the account is at least 90 days past due. She was unsure why this happened to me. She gave me a number to Trans Union to get resolution through them. 

When I looked into TransUnion, I noted that XXXX reported that I was " 30 days past due '' in the month of XXXX. Yet, all PRIOR months were reported as " OK ''. Which, according to TransUnion, signifies that OK means " Current, paying or paid as agreed ''. The delinquent charge in question was on XX/XX/2021, and there were no other charges made during that time on this card. 
Regardless, nothing about my experience has been fair.
Consumer complaint received 2022-05-20
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. (MO)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following items completely from my Credit Reports : XXXX XXXX Balance Owed : {$66000.00} XXXX XXXX Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX Balance Owed : {$12000.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$110.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$750.00} XXXX XXXX  XXXX Balance Owed : {$750.00}