davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On or about XXXX I opened a Bank of America ( BOA ) Cash Rewards Visa Credit Card ( CC ) Having been a loyal bank member since XXXX. Subject BOA-CC grew periodically in available credit, maintaned a status of 'paid ', and 'never late '. Since opening the BOA-CC, rarely did the subject card not have a 'zero balace ' each month at statement close ; Further, this BOA-CC is 1-of-3 credit cards ( all in good standing ) issued by the same bank, reporting 'timely ' to Credit Bureau 's 3-business days after close of statements. On or about XXXX XXXX, XXXX, this BOA-CC, 'intentionally and fraudulently ' reported to U.S. Credit Bureau 's as 'status unknown ', while simultaneously erasing all data therein relating to this CC. When I, as Consumer, enter into BOA online banking this 'same linked CC ' shows a 'credit balance ' for refunded interest and an available balance of almost $ XXXX. This 'intentionally-fraudulent ' misdeed created a 'status of unknown ', dissolved a portion of my credit availability by almost $ XXXX, and date-opened data thereby affecting 'historical and percentage usage. Summarily, the sequence of events were 'diabolically ' put in motion to depress credit FICO Scoring. The BOA can merely look into my linked 'billpay ' checking account and review payment activity to other banks and credit cards 'Nationwide '.
Consumer complaint received 2022-07-11
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. (VA)

In accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights of privacy and confidentiality under 15 USC 1681. Please see accounts and third party furnishers who are violating me : XXXX XXXX XXXX Has violated my rights Date of inquiry : XX/XX/2020 XXXX Has violated my rights Date of inquiry : XX/XX/2020 XXXX  Has violated my rights Date of inquiry : XX/XX/2020 XXXX XXXXXXXX Has violated my rights Account Number : XXXX XXXX Has violated my rights Account Number : XXXXXXXX XXXX Has violated my rights Account Number : XXXX The following companies are furnising these reports : XXXX, XXXX, & Transunion 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A. Section 2 : It also states a consumer report an agency can not furnish account without my written instructions Friday 15 USC 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 conventions of crimes which antedates the report by more than seven years.

15 USC. 1681s 2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

I have had serveral calls from numerous debt collectors harrassing me about these furnished debts these companies continue to furnish and invad my privacy
Consumer complaint received 2023-03-20
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)

On XX/XX/XXXX I disputed several personal addresses and collection/charge off accounts on my credit report. On XX/XX/XXXX I received notification from XXXX that the accounts have been verified. The Law states that the items disputed need to be removed within 4 days of receiving my complaint. 

XXXX is violating Section 604 15 U.S. Code 1681 B which states the credit reporting agencies dont have the right to report anything on my credit report without my written consent. 

XXXX is also violating Section 605 A 15 U.S. Code 1681 C-1 Without my consent means identity theft XXXX is also violating Section 605 B 15 U.S. Code 1681 C-2 XXXX was notified that the disputed accounts was a result of identity theft and I didnt consent to the accounts being on my credit report and XXXX still has not removed the accounts from my report XXXX is also violating 15 U.S. Code 1666
Consumer complaint received 2022-03-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Santander Consumer USA Holdings Inc. (GA)

there needs to be a investigation on this company for not providing sufficient unfair practices when it comes to making payments apparently XXXX XXXX  payments that they work with makes it very difficult to actually make the payment for the vehicle Im getting interest accrued on a vehicle in late on payments due to them lacking and providing sufficient services to make this payment online I would like to file a complaint and pursue a potential lawsuit as well this company should not even be in business if they can not even provide sufficient ways of paying the bill in the first place so the unjustifiably charging me interest daily on a vehicle that I will never pay off just because they can not provide me a fair way of paying this bill without giving my bank information they also fail to give me the best customer service Santander consumer USA should go out of business Ill be put out of business
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (FL)

they call me 3-4 times per day from many different phone numbers. i keep blocking the numbers and they keep coming up with new ones. I have asked them to stop and they just keep calling
Consumer complaint received 2023-03-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (NY)

On XX/XX/2022, ( 6 ) unauthorized withdrawals were made from my Online Savings account with Discover Bank using XXXX. 

I received a phone call from a Discover Bank employee, after the 5th withdrawal asking me if I was aware of these transactions. I believe the phone was recorded. 

Immediately, I told the employee to freeze my account, it was a fraud. 

Discover Bank refunded a Provisional Credit of {$1800.00}, to cover the criminal actions. 

Then, Discover Bank reversed their decision and took the money out of the account without a reason. 

They sent the case to the Legal Dept. for investigation. 

I reported the loss to the XXXX Police XXXX in XXXX. Detective XXXX investigated the case for 2 months and made a recommendation to Discover Bank. 

Discover Bank still refused to honor the Detective 's investigation and does not give any explanation why it won't return my {$1800.00} Savings. So, I closed my account. 

I've been trying to hire an attorney who works on XXXX Fraud cases. People I've spoken to only work on XXXX cases over {$5000.00} in losses. So, I'm still searching for an attorney.
Consumer complaint received 2022-07-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (PA)

I applied for a personal loan of {$3000.00} with Prosper approximately XX/XX/XXXX. I was sent an email indicating I was approved but needed to provide additional information ( bank statements ). I provided said documents right away. The reviewing agent contacted me on XX/XX/XXXX stating she needed to verify my bank account which she did while on a 3 way call with myself and my bank representative. My bank representative told the Prosper reviewing agent my account had a negative balance and the reviewing agent did not state there was an issue. I then received a " one ring '' phone call less than 10 mins later that went directly to my voicemail box. I then received an email from Prosper indicating they attempted to call me regarding my loan but they were closed by then ( Friday at XXXX ) and would not be reopening until Monday. I called today, Monday, XX/XX/XXXX inquiring about my " loan approval '' and was advised by XXXX that my loan had been cancelled and Prosper account suspended for 60 days because of my negative account balance. I asked to speak with a supervisor considering I wasn't informed a negative account balance would hinder the process at the time of the call. XXXX placed me on hold for over 20 mins and returned to the line stating, she discovered my loan was cancelled due to my credit profile/score. I then asked which reason I was being denied considering I was being told two different things. I again asked to speak with a supervisor. I was again placed on hold for over 10 mins and a supervisor spoke with me and reiterated that my loan had been cancelled because of my negative bank balance. I asked why I was not provided the opportunity to resolve my negative balance before my loan request was cancelled. The supervisor stated that canceling a loan due to a negative acct balance is their policy and didn't offer any other information besides I would receive an adverse letter via email detailing the reason for my denial.
Consumer complaint received 2018-10-24
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: United Revenue Corporation (TX)

I have previously disputed with United Revenue Corp. regarding derogatory entries they inserted on my credit reports without providing me a dunning letter or any other notification that they were attempting to collect a debt. To that end, I submitted my second formal dispute to them ( see attached return receipt ). I specifically requested that United Revenue Corp validate the debt and not verification of address in my first dispute and in my second dispute I specifically requested them to provide a copy of the signature of the alleged service provider to release my medical information to them and too for them to cease any credit bureau reporting until the debt had been validated by me. I had previously respectfully requested a full detailed report of the account they were alleging a debt was owed as well as an agreement that stated they had authority to collect on the alleged debt, agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, original delinquency date, complete accounting of alleged debt, verification that this debt was assigned or sold to collector. 

United Revenue failed to provide any documentation to substantiate this debt. They have only sent a mere summary that is on their letterhead and provides nothing of substance. Sending a mere statement on their letterhead does not suffice. The charges are not itemized and provide no explanation or justification. In their letter dated XX/XX/18, ( see attached ), United Revenue states that no inaccuracies were identified as a result of their investigation. This could not be further from the truth. I have never had a contract nor any agreement with this company and they are reporting terms of 1 month on my credit report. On each bureau report, they are reporting a different payment history as well as a different opening date for this alleged account. THESE ARE INACCURACIES AND THEY CONTINUE TO REPORT THEM AS WELL AND THIS IS A VIOLATION OF MY RIGHTS. I have been very detailed and specific in my requests as well as my disputes with them. As stated in the aforementioned paragraph. These entries must be removed from my reports immediately.
Consumer complaint received 2022-03-12
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX EXPERIAN Report Number XXXX I AM DISPUTING THE VALIDITY OF THE INQUIRY. None of these inquiries will have my signature on file and unless the company can show a hard copy with my signature I ask that these inquiries be removed and an updated report be sent to me.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I made a payment on XX/XX/XXXX in the amount of {$200.00} to settle the account. The confirmation e-mail I received clearly states that the amount settles my balance. Yet, Capital One is reporting I still have a balance of {$200.00}.
Consumer complaint received 2022-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXs XXXX Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX XXXX Made on XXXX XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX Made on XXXX XX/XX/XXXX Made with : Transunion
Consumer complaint received 2018-10-24
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: EQUIFAX, INC. (FL)

I called Equifax gave them all my personal information. It seemed to me the representative was writing down the information or keeping it somehow. I am concerned that the person on the phone kept all my details and could lead to identity theft. After giving them SS #, address and other verifying information she ( XXXX ) told me that I didn't pass the verification. It seemed like a total scam! I was trying to report a small incorrect detail on my report but I didn't even get to the dispute since the Rep 's judgement was that I didn't pass the verification! After all the information I gave her! I think she must have kept it all to use it for her benefit.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with fair credit reporting act. The list of accounts below has violated my privacy and confidentiality under 15 USC 1681 Account name : 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 section 2. It also states that consumer reporting agencies 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 2018-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

While checking out online at both Walmart, com, and XXXX, XXXX I got offers for their cards. Nowhere within this offering does it name XXXX XXXX- yet they are the ones my application was sent to. 

1. They send a " letter '' : through a portal in your email- I had different computers and operating systems and neither could open this format- couldn't find any program that could. So I called them ( this was very difficult to reach them their overseas staff was unable to give the location of the main office nor any contact number- this was Walmart `` turn down ''. 

2. When I finally located them and asked why I was turned down- they were unable to disclose this information but did finally send a letter to my new address- after much proving who I was. The letter was nondescript and too general to pinpoint the reason for turn down. I know late pays were not the cause, and I know my credit FICO was @ XXXX. Maybe too short of a time credit history? 

3. After much demanding XXXX searching I contacted the person at the " Bank '' who sent me the turn down. I asked what the exact reason was ( this damages your credit! ) I was told that Walmart gives us the specifications and she was not at liberty to tell me. 
In other words there is room for discrimination w/o explanation. 

1.XXXX  fast forward another year credit score near 700 no late pays and checking out with XXXX, applied for credit with that basket of merchandise..Guess who XXXX XXXX and another turn down . Again I had to access a portal and the file was not known so I could not open - Now a XXXX XXXX computer! I did not bother with the stress of calling over the globe ... Only to be given general answers- such as late pays, low credit score, or maybe length of credit? And another ding in my credit courtesy of XXXX XXXX - but now I have a full 3 years of no late pays and XXXX score and I can not imagine.. 

If you allow credit card issuers to be general in individual turn downs then we will not know the parameters we are shooting for and we will be damaging the credit we worked so hard to build. Also it leaves room for discrimination.. 

Cross reference this complaint with my earlier complaint highlighting the credit freeze and ID theft that I did not place on my credit report?
Consumer complaint received 2018-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

I got a two-part in 2000 and loan one for one for {$1200.00} the other one for XXXX I received {$1200.00} but not the XXXX then I receive documents that stated XXXX was refunded and XXXX was paid out which doesn't make sense out of the {$870.00} I tried to call and resolve the matter with no satisfaction.
Consumer complaint received 2017-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

I have a personal checking account at Usbank. In XXXX XXXX I durable power of attorney on my roommates account while he was out of town. During the time he was gone I managed his account with no issues. In XXXX XXXX he returned and took over all his own financial affairs. In XXXX of XXXX, he committed fraud on his account and Usbank is holding me responsible and has frozen all my account along with all my money. My roommate claims to have taken responsibility for his fraudulent activities. However the bank refuses to reinstate my account and release my funds. The bank has documentation of how the fraud was committed and I am not part of it. It is crystal clear. 
Please help me!
Consumer complaint received 2018-10-24
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. (NY)

In XX/XX/2018 XXXX XXXX ( XXXX, Texas. XXXX ) has us marked as a late payment. This payment was not late in XX/XX/2018. There was a 3 party call with my bank and XXXX. The late payment in XX/XX/2018 was supposed to be removed from all 3 credit reports for myself and my spouse.
Consumer complaint received 2018-10-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Direct dispute was used through XXXX for Transunion. Multiple accounts were requested to be reviewed for accuracy. Specifically, XXXX XXXX XXXX combined 2 credit cards debt into 1 account. Transunion has not responded to the dispute request or responded to subsequent mailed requests for updates on XX/XX/XXXX, and XX/XX/XXXX. I tried the online option for the 3rd time today and the system is " having technical difficulties. '' At this point, Transunion is intentionally dodging my dispute.
Consumer complaint received 2022-03-12
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 — Investigation took more than 30 days
Company: ACS Education Services (IL)

I recently used XXXX law to dipute my student loan that went to collections sometime around XXXX. The company was originally ACS student funding group they sold their operations to CES education services. The problem is XXXX credit report had CES for my loan collection so when XXXX law disputed it as it has been closed since XXXX they removed it from my report no problem. XXXX has the same collection but it is under the parent company ACS who is no longer reachable as they have closed and sold their business so my dispute and collection is still on my XXXX report. I have tried contacting both loan companies and can't find information on either as they both have XXXX down their operations and sold their companies due to lawsuits. I need the dipute finalized and the negative account removed from my credit as it has been over 7 years since it was closed nit to mention they in fact removed it from XXXX XXXX so they should rightfully remove it from XXXX as well.