davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
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. (UT)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/ 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. They were able to remove some companies but some are still showing on my reports in other bureaus. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2022-06-25
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting ActXX/XX/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. 


15 U.S, C 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 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP (NV)

I applied for the US Bank Platinum Visa card using my physical street address of XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. I instantly changed my address after the application process by logging into the US BANK online website and updated to my MAILING address of XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX. I then tried to contact US Bank on 17 different occasions and they refused to speak with me causing me to become very irritated and the representative then placed a suspicious fraud alert on my account even though I have verified ALL information and the representatives confirmed that the only address they have for me is XXXX XXXX XXXX. However, each time I call they state the address has not been changed and this is causing MAJOR issues. A US BANK representative by the name of XXXX XXXX then used her personal cellphone to contact me outside of business purposes on XX/XX/22 at XXXX XXXX  PST to tell me I am " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. US BANK will not respond to my correspondence and I fear for my life that they have allowed an employee access to my personal information and that this woman XXXX XXXX XXXX try to XXXX XXXX
Consumer complaint received 2023-01-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and transunion did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (CA)

I received a Visa gift card in the amount of {$50.00} with an expiration date of XX/XX/XXXX from my son about 2 years ago. I did not use it right away and forgot about it as it was in another purse. When I found the gift card the other day, XX/XX/XXXX, I decided I should activate it and use it. Upon activation I was surprised to see it had a {$0.00} balance. Upon further investigation I saw that the company that issued the XXXXift card, GiftCards.com, had charged a dormancy fee to the account in the amount of {$4.00} a month until the entire {$50.00} balance had been depleted. I phoned the company at XXXX, and explained what happened and requested they reverse the fees. I spoke with a gentleman named XXXX who stated he opened a case # XXXX and took my email information and said I would get a response in XXXX days. 
I received an email response from Giftcards.com/Omnicard.com today, XXXX, with " their sincerest apologies since they were unable to reverse the fees. The fees were deducted because there are costs associated with maintaining the account, largely driven by requirements legal and reporting of the issuing bank. By Terms and Conditions, we can not reverse the fees. ''
Consumer complaint received 2023-01-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

XXXX continued Per XXXX request by mail to go through a mediation process on XX/XX/2023, may we please proceed. Please assure that XXXX does not apply trickery and delay tactics as they practice on a ongoing process. 

All the issues are real and they need to be held to account.
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FEDChex Recovery, LLC (CA)

I rented a vehicle from XXXX ( peer to peer car rental company ) around XX/XX/2022 for {$460.00}. I had a car accident and frustrated that XXXX provided absolutely no help in the whole process. I wrote to XXXX, and also to the XXXX XXXX XXXX XXXX XXXX XXXX  about XXXX 's bad service. I also filed a claim with XXXX on the towing expenses ( XXXX promised free towing on accident ). XXXX however did not reply back to me, did not response to XXXX did not pay my claim. I decided to dispute my payment of the {$460.00} through my credit card. Again, XXXX did not reply to credit card dispute. Overall, XXXX did not response to any of my complaint through proper channel. Instead, XXXX submitted the bill to collection agency and try to collect from me {$490.00} and try to impair my good credit score. 

I am asking your help to resolve this matter.
Consumer complaint received 2022-04-24
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. (NC)

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  Previous Address ( es ) : 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 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 XXXXXXXX, 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 2020-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

I submitted a dispute with XXXX on XX/XX/2020 about a collection placed on my credit that does not belong to me. On XX/XX/2020 XXXX came back stating the debt was accurate without even completing a thorough investigation. XXXX has repeatedly violated consumer rights by not completing proper dispute investigations which ultimately impacts the consumer in a negative way. There has been no prior notification of this debt and I am positive I have never been treated at this emergency room. This complaint will act as a formal NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. I have just settled a debt that XXXX  continued to report inaccurately on my credit and I dont mind filing a lawsuit again for violating my rights as a consumer.
Consumer complaint received 2021-12-02
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: EQUIFAX, INC. (IN)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I never received any paperwork that gave me any information to properly dispute or accept this said account within 30 days. This account is also reporting very inaccurately on all three of my credit reports. Each Bureau are listing something different. I sent a debt validation on XX/XX/2020 to XXXX and haven't received any paperwork to prove that this account is accurate and belongs to me. I also submitted a dispute to XXXX on XX/XX/2020 to see if they could verify and maybe help me resolve this. On XX/XX/2020, XXXX results were " updated ' and the report number is XXXX. How are you able to validate with the credit company but not with the accused account holder?? This account is not only hindering me from purchasing a home, but it is also hindering me from other opportunities and is a violation of my rights. As I was browsing through their website to find out a little more about the company, I noticed the only license listed on their page is from South Carolina ONLY.
Consumer complaint received 2020-05-21
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. (TX)

nquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX remove all the inquires
Consumer complaint received 2020-05-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-10-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent letter back in XXXX by certified receipt and it was also signed for with receipt Ive attached a copy of the receipt with tracking numbers as well I asked for method of verification used and receive no response its been longer than 30 days Im requesting removal of account t
Consumer complaint received 2021-09-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: STERLING BANCORP (NY)

On XX/XX/XXXX I received a call from Sterling National Bank located on XXXX XXXX XXXX NY, advising me that they closed my account on XX/XX/XXXX ( same day as the call ) they stated that they mailed me a check. What made matters difficult for me was that my monthly Social Security direct deposit is sent to that account every XXXX Wed in the month. Sterling closed my account without notification of any type, no warning -- no phone call, nor a letter sent. They closed my account because I made more than 6 transactions on a savings account in a month -- if that is a rule which I was unaware of. I think a certified letter or a call should be made in advance so I have time to remove my money and change my Direct Deposit and make no payments from that account. I immediately called Social Security XX/XX/XXXX to tell them where to send my direct deposit that was due to come on XX/XX/XXXX. Soc. Security said it would take time to arrive at the new account because it will go to the closed account first and then return back to them and then to the new account As of today XX/XX/XXXX I still have not received my Social Security check, so I called social security again, they claim it should come this week to the new account After a trip to Sterling XX/XX/XXXX and 2 calls later I finally received a check from Sterling for the closed account, the check for the closed account arrived on Monday XX/XX/XXXX ( they closed the acct XX/XX/XXXX ) check took 12 days. I had no money as it was tied up in that check that took 12 days to get to me Also 2 payments -- 1 for XXXX XXXX and 1 from XXXX were set up to come out of my Savings account on XX/XX/XXXX. Both payments were returned when they saw the account was closed. XXXX XXXX hit me with a return fee, I called them XX/XX/XXXX and they did waive the return fee XXXX credit card sent me a letter XX/XX/XXXX stating that my account was closed and the payment returned, that account is not valid and they may impose a return fee. I have to resolve this issue also The closing of my Savings Account has caused me much distress, and mental stress -- - many phone calls and a trip to the bank, it left me without money and unable to pay bills that are coming due, and time from work making phone calls. 
I feel they need to be reported for unfair practice of closing accounts without proper notification, warning and notices. Nobody should have to deal with this and be treated like this. It took 12 days to get my money by their check ( XXXX ) I hope my Social Security deposits arrives soon too and its not lost in limbo Suppose I was on vacation and needed to withdraw money, I would be stranded Rules are rules and if I broke the rules then it should be explained and I should be alerted to the consequences such as closing of the account -- but without warning-to me this is unforgiveable. I will not deal with this bank ever again and my mother is also closing her accounts with this Bank-Sterling National
Consumer complaint received 2020-05-21
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Neon Newco Corporation (MD)

My NETSPEND card was hacked on XX/XX/2023 and I had over {$500.00} dollars left on my card after I paid some of my bills and when I went to get a sympathy card on that Friday, my card was declined. After contacting NETSPEND IMMEDIATELY I was told that a cash withdrawal was done on my card and I had the card in my possession. How does someone get your pin number to withdraw cash if it is not an inside job. No one has my pin number but ME. I don't have any living relatives, I am not married and I am XXXX years old. After they withdrew EVERY DOLLAR I had left to my name NETSPEND OVERDRAFTED MY CARD FOR MY TRANSACTIONS THAT I DID APPROVE. Now they insist that they will not be able to give me an update until XX/XX/2023. I want my money back. I was left penniless after this happened and of course NETSPEND does not seem to care. I BEGGED THEM TO GIVE ME MY MONEY BACK AND THEY STILL REFUSED.
Consumer complaint received 2020-05-21
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: Convergent Resources, Inc. (IL)

I have contacted the company who failed to provide the documentation requested of them. Their response was a bill. I didnt ask for a bill, I asked for proof of hour this item was verified and validated. A bill is not proof. I requested approximately 8 different items to show there was an actual investigation. They failed to respond with this information within 30 days. Then street proceeding to not provide the requested documentation they reported the account to the credit bureaus