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

XXXXct. # 15 USC 1681 ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s3 of this title, Any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a violation of the FCRA to report " Late payments '' as that is a transaction. XXXX XXXX XXXX # XXXX XXXX XXXX  Act. # XXXX XXXX XXXX # XXXX XXXX Act. # XXXX XXXX XXXX XXXX. # XXXX XXXX
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (ND)

In accordance with the Fair Credit Reporting Act. XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the U.S.C 1681 602 A, States I have the right to privacy.

These addresses, birthdates and incorrect spelling of my name do not belong on my report. 
XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/2022 I have already sent CERTIFIED MAIL with proper identification and proof of address to these credit bureaus on XX/XX/2022, stating to update my correct personal information on my reports.
Consumer complaint received 2022-04-30
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. (CA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
s.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NJ)

Every debt card I had PNC bank has been hacked and scammed. I file a claim with my bank about some fraudulent money coming out of my account. The bank returned the that was owed to me. Then a few days later the bank takes everything out of the account without an Explanation. I called the bank and no one knows why it happened
Consumer complaint received 2020-01-26
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 (TN)

In XX/XX/2019 I purchased a couch and entertainment center on credit from Ashley Home Furniture Store. I was clearly explained that this was a 12 month interest free purchase after the 12 months I would be charged interest PER MONTH based off of what I had my principal balance paid down to. I just received my billing statement and I'm being charged {$580.00} in interest, {$38.00} for an over my credit limit charge AND 29.99 % interest on all of the above moving forward. A call was placed to Syncrony bank c/o Ashley Homestore and told the best they could do is me pay my principal balance in full today to avoid the extra charges and interest. The representative at Syncrony informed me this was a promotion when I made the purchase and the promotion was that I had to pay in full in 1 year to avoid being charged interest on the total purchase amount in 2019. How is this legal? I'm being charged interest ON TOP of interest. Absolutely none of this was explained when the purchase was made.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DP OF EDUC XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$6200.00} USDOEXXXX XXXX US DEPT ED XXXX Balance Owed XXXX {$2300.00} DP OF EDUC XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$590.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-08
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX Equifax received my disputes of several tradelines showing on my credit report. As of XX/XX/XXXX ( 34 days later ) Equifax has not responded to my letter or deleted the tradelines from my report
Consumer complaint received 2019-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (FL)

On XX/XX/2019 I attempted to make my monthly mortgage payment to Statebridge Company via their online payment processing feature on their website. I have done this every month. 
I was not able to make my payment as my mortgage account is listed as inactive and my account history shows a service release as of XX/XX/2019. 
I have not received an email or letter to notify me of the possible selling of my mortgage and am currently left with no knowledge of my mortgage status or payment instructions.
Consumer complaint received 2021-07-02
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)

I have been letting Experian know that the accounts for XXXX XXXX & the inquiries on the identity theft report are not mine & need to be deleted. I keep getting the run around and items still reporting.
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This is a Capitol one prepaid card. The problem was that they said I was late paying and I was not late... They recorded it late.
It was on XX/XX/2016 XXXX XXXX
Consumer complaint received 2021-07-02
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: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash Curtis & Associates reported an inquiry on my XXXX  credit report in XXXX, XXXX  without my authorization after my wife called to pay them off. That served no benefit for them to do that other than to demonstrate an abuse of power. Please note, they have never put an inquiry on my report before. It was only after having me in collections for a few years, and a phone to pay off the debt decided to do that. they don't offer any credit or loans for them to put a hard inquiry on report.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

2 months ago, I had unfortunately fallen for a loan scammer, who I ended up giving my bank login info in return for false promises. Bank of America recognized that it was a scam, and shut down my account and froze all my funds. I was told that my account won't be completely closed until XX/XX/XXXX. The false claims the scammer placed on my account, along with the scammer attempting to place fake checks in my account and everything else that needed to be taken care of was already cleared during the month of XXXX. So they would have no reason to not release my funds to me. However, yesterday I found out that for some reason they pushed back my account closure date to XX/XX/XXXX ( today ). I called today to make sure it was completely closed, however customer service said they pushed it 2 more days to XX/XX/XXXX ( this Thursday ), because of " account activity '' regarding someone unsuccessfully attempting to take funds out of my account. Luckily, the scammer wasn't able to take any funds for me. However, it's not fair that I am being treated like I'm the scammer.I would like my account to be completely closed, so that they can send my remaining funds via paper check in the mail. I have waited 2 months for my funds to be released. There should be no reason for them to remain holding my funds to me. This whole situation has impacted me emotionally, and has caused tremendous stress and XXXX on my life financially
Consumer complaint received 2021-06-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: FIRST HERITAGE CREDIT LLC (FL)

On XX/XX/2020 I called 1st heritage credit of XXXX mississippi and asked if they give loans to military personnel. They said they do so I applied and got the loan. At this time I was XXXX XXXX military and did not know anything about the military lending act. The APR of this loan is 37.640 % which is above the 36 % limit enforced by the military lending act. Also they required me to have premiums in order to receive this loan which is another violation of the MLA. I want to take the next step in order to void this loan but do not know how because it does not say on the internet and many attorneys I have called do not know of the military lending act. I have reached out to the issuer of the loan saying they violated the rules of the act and to void the loan but they will not. They sent this information to their attorneys to review this situation and are waiting for an answer. The excuse they used was that on my credit report it did not say I was XXXX XXXX when I told them I was in the military, showed up to the office in uniform, and gave a copy of my LES which clearly says on the top states that I'm XXXX XXXX.
Consumer complaint received 2023-04-04
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. (NJ)

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged charge off account from XXXX XXXX XXXX  that had been deleted from XXXX and XXXX because they realized that the information is inaccurate, but it is still reporting on Experian. I sent a notice to the creditor requesting for a 1099-C form but they failed to provide me this, so this reported information is not only invalidated but inaccurate because I can only assume they are violating federal law and committing tax fraud if they didnt file and Im ready to report them to the IRS for violating IRS regulations. Ive filed an IRS Form 3949-A which I will be attaching. ( only say this if we filled out the form and can attach it ) Even if they did file the 1099-C form, it doesn't matter, because regardless this information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. Experian is participating in fraud with XXXX XXXX XXXX  and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report.
Consumer complaint received 2019-10-28
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)

PLEASE LOOK INTO THE REASON WHY THE ACCOUNT FOR XXXX XXXX XXXX XXXX. HAS NOT BEEN REMOVED. IT STATES A BALANCE OF {$3600.00}, WITH ONLY LATE PAYMENT OF 60-DAYS. NOW, THIS IS NOT THE FIRST TIME I BRING THIS ACCOUNT INTO MIND. THIS WOULD BE ONE OF THE SEVERAL ATTEMPTS I HAVE APPROACHED IN ORDER TO GET THIS ACCOUNT REMOVED OFF OF MY CREDIT REPORTS FOR GOOD SINCE XX/XX/XXXX., WHY HAS NOTHING BEEN DONE? WHAT ARE THEY LOOKING INTO? YOU HAVE NO IDEA HOW BADLY THIS IS AFFECTING ME AND THE GOALS I NEED TO ACHIEVE. THIS HAS DONE NOTHING BUT PULL ME DOWN. I DEMAND A RESPONSE IMMEDIATELY AS FOR NOTHING HAS BEEN DONE ABOUT THIS MATTER.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a great credit score, low debt and great salary since I work for a XXXX XXXX I was excited about applying to the new Capital One Venture X card. They denied me and didn't provide a reason. When I called their 1800 number they don't have a department that deals with applications so that an actual human being and not a computer algorithm can look at my application and realize I've never been late or had any credit problems, that I have a very good salary and that I would be a great customer.
Consumer complaint received 2023-02-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (LA)

Wells Fargo Auto Finance Vehicle loan Account XXXX. XXXX Date of XXXX XX/XX/XXXX to XX/XX/XXXX The vehicle was repossessed in XXXX and I had to file bankruptcy due to the high interest and rising rates of the loan.
Consumer complaint received 2021-07-03
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. (NJ)

TransUnion LLC has violated the Fair Credit Reporting Act. They have not responded in a timely manner with any results within 30 day to 45 day time frame. Involving my letters with erroneous credit inquires that i did not authorize, and that i do not recognize. I have sent them letters. They have signed and returned that the certified mail has been received with no response months later. I would like immediate deletions for this wrongfully credit inquires that have been put on my credit report without any authorization. I have already written letters to the companies involving this matter as well and they told me to deal with the credit breau, and TransUnion as not taken action to report to me the consumer in the time frame as agreed according to the FCRA. 
The inquires include XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc. (FL)

Leased a " dormatory '' from XXXX XXXX in XXXX. In XXXX of XXXX, the school required me to leave, without moving contents, due to XXXX. They could not, and did not offer any housing solution. I was basically on the street with my backpack. 
The Lease states that it is terminated IF XXXX XXXX is unable to provide adequate housing. I understand the circumstances to terminate the lease. I have quoted the portion of the lease to XXXX as proof of this understanding. XXXX housing continues to attempt to collect the balance of the terminated lease. I don't owe them anything, yet the continued to the point today, they have a collections agency attempting to collect the debt. This is a fraudulent claim against me and it needs to be removed from my credit report. 
This is making me get rejected from apartment homes, thus leaving me unable to secure a home. This is damaging my credit, so when I apply for a home mortgage, i will surely get a higher interest rate. I consider these real damages caused by their fraudulent claim. 

I have formally communicated the dispute of this claim to the XXXX agency ; Southern Management Systems Inc . Yet, they continue to call my cell phone and leaving messages. I have communicated to them that I consider further attempts to collect this false debt to be harassment. 

Again, this position has been documented to them formally. I don't wish to be worked by them continuously. They need to start paying for my time to deal with this. 

XXXX housing has the lease and can look at Section 43B. = Lease Terminated XXXX XXXX
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

I was told to freeze my credit due to the data breech. I have done so with 2 companies but Experian just refuses to help me in any way. I have tried on their website, and they denied me. I sent a letter in XX/XX/XXXX, along with a check to cover the fee, and have heard nothing. I have called them and get nothing but a menu of pressing numbers that do not help. I have called the XXXX Branch hoping they could find a person to talk to. No. I got an email address. Sent emails, no response. I tried the XXXX branch, no one will call me back. I have done everything in my power to reach these people, and can not. The web site is useless. This whole company is useless. I worked hard all my life to hav good credit and now, thanks to these people my credit could be used to fund someone elses lifestyle. I didnt ask to be a client of theirs, and they are the worst company I have ever tried to deal with.
Consumer complaint received 2022-04-30
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, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-30
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. (PA)

N.Accordance with the fair credit reporting act 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 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-08-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character
Consumer complaint received 2022-04-30
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: ENCORE CAPITAL GROUP INC. (AL)

In accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Midland Funding Account # XXXX XXXX XXXX has violated my rights.

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

15 USC 1681 Section 604A Section 2 : States that a Consumer Reporting Agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THIS COMPANY ; XXXX XXXX XXXX XXXX XXXX XXXX HAS REINSERTED AN COLLECTION THAT HAS ALREADY BEEN REMOVED. THE COMPANY IS IN VIOLATION OF MY RIGHTS!!!
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.