davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (NJ)

I have filed complaint previously and the complain number is XXXX. The company responded without giving any explanation why my last month XX/XX/2022 interest was higher and why they charged me over {$170.00} extra, they never give explanation and all what they provided is just a copy of my contract with them without explaining anything, so when I called them, their representative said because I didnt pay XXXX bill which is incorrect because I have made my payment for XXXX on XX/XX/XXXX, so I have emailed them the bank statements, payment confirmation number that shows that I paid, and still didnt get back to me yet. They reported that I late to pay my bill to the credit Bureaus and that cause a damage to my credit reports and it also reduced my credit score and showing an increase in my car loan amount due to their unnecessary action since I already paid before my due date.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (AL)

I made a purchase on XXXX and was using my XXXX account which is linked to my existing XXXX account. XXXX instead established a XXXX Credit account and pulled a credit report without my authorization. I have spoken to XXXX and have closed the credit account but the credit inquiry remains on my credit report. I want this inquiry removed.
Consumer complaint received 2018-09-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (MO)

I received a bill from collections saying we owed a past due bill which we never got statements for after the first few months. Paying this was NEVER the proble. The problem was, they put our address on the bill incorrectly which I have proof of. This is a clear violation FDCPA. If we would have got a bill of what our final balance was, it would've been paid. The collections company and the hospital BOTH agreed we had the wrong address on file, and refused to fix the negative 30 day mark received from this. If an error occurs by the hospital or the provider, this must be fixed and my credit bureaus updated. They have me living in XXXX XXXX MO and I live in XXXX XXXX MO. Please see the address at the bottom of the collections bill that I have uploaded as proof.
Consumer complaint received 2018-09-04
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. (AR)

In XX/XX/XXXX I disputed an inaccurate item with TRANUNION Credit reporting company. TRANSUNION did the investigation and replied back as the account was verified. In XX/XX/XXXX I disputed the inaccurate account WITH TRANSUNION AGAIN THE ACCOUNT which is XXXX XXXX # XXXX and they replied back as verified again in XX/XX/XXXX On XX/XX/XXXX I sent in another certified letter to TRANSUNION I have copies of the mail receipt that I sent the letter certified to TRANSUNION,, The letter was METHOD OF VERFICATION. I ASKED TRANSUNION TO SEND ME THERE METHOD OF VERFICATION SO THAT I CAN SEE WHO AND HOW THEY VERFIED THE ALLEGED ACCOUNT, ,BY LAW AND PER FCRA I AM ENTITLED TO SEE THE METHOD OF VERFICATION AND HOW THE VERFICATION PROCESS WAS PROCESSED. ON XX/XX/XXXX TRANSUNION COMPLETED THERE INVESTIGATION AND FAILED TO SEND ME THERE METHOD OF VERFICATION,,, HOW ARE THEY verifying THESE ACCOUNTs with the creditors and me as the consumer cant get the copies and or information on there method of verification,,, TRANSUNION has violated the law, has violated my rights as a consumer ... On XX/XX/XXXX all TRANSUNION sent me by mail was the account was modified,,, I asked for the METHOD OF VERFICATION WHICH I AM ENTITLED TO. I HAVE COPIES OF THE LETTER THAT I SENT CERTIFIED TO TRANSUNION ON XX/XX/XXXX THEY RECEVIED MY LETTER ON XX/XX/XXXX AND HOW IS IT THAT TRANSUNION CANT AND DIDNT SEND ME THERE METHOD OF VERFICATION,,, I AM GOING TO FILE A SMALL CLAINS FOR THE NON COMPLIANCE,,,, OR DELETE THE INACURATE ACCOUNT OFF MY FILE. TRANUNION IS NOT FOLLOWING THE FCRA RULES,,, YOU FAILED TO SEND ME THE METHOD OF VERFICATION WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT 611 ( A ) ( 7 ) MY LAST AND NEXT STEP IS SMALL CLAIMS FOR VOILATIONS AND NON COMPLIANCE OR DELETE THE INACCURATE ITEM OFF MY CREDIT FILE
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX American Express Dear American Express, Bad Customer Service New Accounts Department American Express Cash Magnet Card Application Reference :XXXX I am existing card member American express since XXXX and I am enjoying membership 14 years. I have a Blue Cash every day card and XXXX XXXX card. I noted this days new card offer Cash Magnet card your website and applied on XXXX XXXX .I got a email please call us update your application. 
I called XXXX on XXXX XXXX at XXXXXXXX XXXX ( PST ) New Accounts department and answered agent name called Mr.XXXX. I am asking status about my application and he treated me so bad behavior. He not treated me as a valued customer. 
I asked to transfer my call to supervisor and he said we dont have a supervisor. He answered my called very high tone and I am so got upset. 
I told him I am existing card member and he didnt believe it. he said under my Social security number he can not see active accounts. So I have to provide my full card number to pull up my accounts details. 
I am not worried getting this card and I am worried what he was treated me unprofessionally. 
Please train your agent provide good customer service. 
Feel free to contact me on XXXX Thank you XXXX XXXX XXXX
Consumer complaint received 2018-09-04
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: Experian Information Solutions Inc. (WA)

i have an XXXX XXXX XXXX car loan # XXXX XXXX for {$260.00} monthly and all XXXX credit bureaus have removed or blocked from my credit file. I called and they said i disputed is as fraud and I DID NOT. I ASKED TO HAVE IT REPORTING AND THEY SAID THEY COULDN'T. I called the credit union and they said it was a credit bureaus issue.

I need this back on my credit as it is my account and i need it showing. Please get this fixed by having it report on all 3 bureaus I never filed any fraud dispute with this loan
Consumer complaint received 2022-07-10
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. (TX)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-07-10
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 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
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Ive been a customer with Chase for a couple years. I have always been in good standing with Chase. A couple months ago, I unfortunately was a victim of a scam. The scammers had me deposit a check for around {$1500.00}. I realized it was a scam before I did anything else. I called the Chase Fraud Department and talked to them about my situation. I asked them to stop the faulty check. The fraud representative told me to wait until the check bounces and I should be fine. He told me I wouldnt be charged any fees or anything else. On XX/XX/XXXX I received a school loan check of {$6700.00}. I currently attend Arizona XXXX University. They told me it wouldnt go through until XX/XX/XXXX. On XX/XX/XXXX, which is today, I went to grab lunch at my local cafe and my card got declined. I called Chase and they told me my account got restricted and closed. They didnt want to me why it got closed over the phone. I spoke to a supervisor who told me the same thing and she said I shouldve got a notice yesterday. And to add to my confusion XX/XX/XXXX was XXXX XXXX and we dont get mail on XXXX XXXX so I checked the mail and there was no notice so I did not receive a proper notice at all prior to the closure of my account. I had {$260.00} in my account and now I wont have access to my funds in weeks. I called back to see what my options are to get my money as soon as possible ( the supervisor did not want give me any options to do so ) and the representative told me I could verify the check I got from school so they could release the funds to me in cash ( first representative told me I would have to wait for the check back in the mail ). 

Im assuming they closed my account because I had a fraudulent check bounce on my account 2 months ago. I was told I would be fine and I wouldnt be penalized but I feel like it was unfair for them to close my account and not give me any notice.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Oklahoma Student Loan Authority (FL)

I opened up two loans on XX/XX/XXXX for a total amount of {$2800.00} from the Department of Education/ OSLA. I only attended one semester at XXXX University so no further loans were opened after XX/XX/XXXX. The Department of Education never reached out to me nor my parents one time ... even though, they had all our information. One day I was curious and decided to randomly check my credit score and saw it was knocked down 155 points. I immediately called the Department of Education to find out what had happened. It's XXXX and they never thought of reaching out via phone or email. Instead, they were only sending physical mail and on top of all that they had the wrong address. My intentions aren't to bash the Department of Education/ OSLA , I just believe it's not fair for them to send a 90-120 day past due notice to collections when I never received one phone call or email that this was occurring. I'm a young kid who prides himself on doing things right and especially with something like my credit score. I really hope you guys could resolve this problem for me ... it would be greatly appreciated. Thank You
Consumer complaint received 2018-09-04
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. (MD)

Over the past ( 10 ) plus years each time I filed a complaint with CFPB against the three major credit bureaus each had taken some retaliatory actions that immediately impacted and lowered the consumer credit score. More specifically I filed multiple complaints indicating the credit bureaus were purposely removing the credit limits on minorities credit card accounts intentionally lowering the consumer credit score. 

I recently filed a complaint against TransUnion for this discrimintory practice which they removed my credit limit from my XXXX trade line account impacting my debt to credit ratio and lowered my score. According to Trans Union XXXX was not reporting the credit limit which simply not true because it was showing on the other credit reports. 

To date TransUnion has refused to report my XXXX credit limit and continued to blame this on XXXX. Please find attached a letter from XXXX dated XXXX/XXXX/201, confirming their are indeed reporting my credit limit to Trans Union. Therefore, please investigate and find out why the credit limit was removed and provide consumers protection from this abusive discrimintory practice.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

The student loan was opened originally XX/XX/XXXX and consolidated in XX/XX/XXXX under a student loan consolidation to include all my federal loans. One however did not make it. The loan was then sold to Navient and although I had my loans in hardship forbearance the bureaus still have inaccurate information on my credit report. I was told, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due since XX/XX/XXXX - XX/XX/XXXX on both XXXX  and XXXX. I can't seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
Consumer complaint received 2023-01-11
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. (CA)

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. 

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 an 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 2022-07-10
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. (AK)

I opened a secured credit card in XXXX with XXXX XXXX for XXXX XXXX dollars the following year in XXXX I closed this card with a branch loan officer on XXXX XXXX in XXXX Alaska They list the account as XXXX on the file with XXXX and Transunion and XXXX show a different number. I have disputed this for three years I closed the account in good standing with a XXXX  balance and they continue to show as a charge off with a balance of XXXX. I have sent letters documentation letter from loan officer who closed the account stating as I did in good standing and yet the Agencies ( credit reporting ) fail to correct this. 
This needs to be removed completely as this is not only false but severly damaging personally.
Consumer complaint received 2019-01-10
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: CITIBANK, N.A. (IA)

Visited website in XX/XX/XXXX, the same day I opened the account for a Citi  DoubleCash Card. I signed up for a promotion for XXXX cashback after spending XXXX in the first 3 months.the url I went to was as follows : 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 ( this was pulled from my XXXX history and can be verified as needed ) the offer on their website was XXXX dollars cashback if you spend XXXX in the first three months. I contacted them at the beginning of XXXX as it had been over 3 billing cycles. They said " I didn't click on the promotion '', and that they would investigate it. They sent me a letter stating I didn't click on it. LITERALLY THE ONLY REASON I OPENED THE CARD WAS FOR THIS OFFER. I called back on XX/XX/XXXX and was transfered around for over 2 hours, as well as hung up on twice. I finally got a hold of a manager that said they " didn't have historical data for promotions to confirm my story '' and that I was out of luck. I told him that I could show them the link I clicked on with documentation that I actually visited it and they responded with " what is the URL going to show me ''. I told him that the page redirected me after clicking on the offer and he said that couldnt possibly be the case. I also have evidence to show that is what happened. I took down the Managers name and ID and told them I would be contacting the CFPB. I attached proof of the page that I visited the website as well as the inspection of the url showing that I went to that offer.
Consumer complaint received 2018-09-04
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. (UT)

XXXX XXXX is reporting on my credit report and I never received anything from them nor do I know what this is. 
I have disputed it with the bureaus and they have yet to validate the account. XXXX XXXX is not valid verification and XXXX XXXX doesn't have any documentation for this debt.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been  showing 120 days past due on both XXXX and Transunion since XXXX and I cant seem to get the Servicer to communicate or resolve satisfactorily. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

This was not sent in error, I, XXXX XXXX am a consumer by law and my Information was misused and now I have some false not 100 % accurate accounts on my consumer report. Unauthorized use of my credit report.
Consumer complaint received 2022-07-25
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)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2018-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green & Sons Agency, Inc. (UT)

XXXX XXXX is currently reporting 2 accounts on my credit report : XXXX & XXXX All my medical bills have been paid and they are very old. Insurance paid them. I do not owe any other bills and they are not valid. THey are not mine
Consumer complaint received 2024-03-05
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. (GA)

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.