davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/2020, I sent Portfolio Recovery Associates a debt validation letter to address inaccuracies and errors that they illegally placed on my credit report. They reported 3 accounts with balances of {$2100.00}, {$1400.00}, and {$2400.00}. In my letter, I requested that the company send the following : 1. What the money you say I owe is for : 2. Explain and show me how you calculated what you say I owe : 3. Provide me with copies of any papers that show I agreed to pay what you say I owe : 4. Provide a verification or copy of any judgment if applicable : 5. Identify the original creditor : 6. Prove the Statute of Limitations has not expired on this account : 7. Show me the you are licensed to collect in my state : 8. Provide me with your license numbers and Registered Agent or Agent of Service The company never validated the debt. It only sent me copies of billing statements, and the Federal Trade Commission clearly states that billing statements are NOT a proof of debt.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (NJ)

I tried to active a way2go card from Nj that i recevied in the mail for my son on the app but everytime i try to activate the card it will not let me at all it says " Authentication is locked and cardolder can not perform this operation. '' and i cant do nothing about it at all i didnt even do anything wrong it just locked the option from me and i cant spend nor use the card it wont let me do anything but it tells me my balance which is XXXX $ i dont know why i cant activate it.
Consumer complaint received 2021-01-18
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. (TX)

Date sent : XX/XX/2021 To XXXX XXXX and TransUnion Letter of Request to XXXX  included the following information : " Re : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item, investigate and delete from my credit report. 

2. Validate this accounXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item, investigate and delete from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under the Fair Credit Reporting ACT 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. '' XXXX and TransUion did an investigation and came back with the same results reported prior to my request. XXXX  has not yet responded. Sadlly enough, I was impacted by both the XXXX  and XXXX  Data Breach. 

I feel as though my request was completely ignored and treated as frivolous. It is unfortunate that any private agency has the power to inflict damage to a Consumer 's credit rating with such a broken credit reporting and credit scoring system, which is grossly inefficient and life impacting. 

My last resort will be to file for litigation due to the stress this has caused me. I am seeking your support in having this information removed from my credit report immediately. Your assistance is greatly appreciated. 

Sincere Thanks!
Consumer complaint received 2021-06-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (TN)

I made a complaint against Capital Accounts on XX/XX/2021. My complaint number is XXXX, which they received the same day. In a blatant act of retaliation to my complaint and my dispute they manipulated my credit score by first adding an increase of XXXX XXXX on the debt owed and then on XX/XX/2021 decreasing the debt amount by XXXX XXXX in an attempt to make it look like I have accepted the debt and began paying on it, which resulted in my credit score dropping immediately. As I said in my original complaint they are clearly in violation of The Fair Debt Reporting Act. As stated in previous complaint I have sent them a validation letter, it has been thirty days and I still haven't received validation. I am becoming emotionally distressed with the tactics that this company is using against me, while trying to collect a fraudulent debt that is impossible for me to owe thus the reason why they can't not validate it. My next step is to let my lawyer handle this matter because it's just becoming too much for me and is mentally draining.
Consumer complaint received 2022-11-30
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. (GA)

Experian has put information back on my credit report from XXXX, which is in accurate and falsely reflects that I had a late payment history with this company. I am attaching the supporting documentation I have already written an affidavit which stated that this was false reporting done by XXXX. Experian continues to report this false information which makes it fraudulent. 
I have attached copies of the billing which I requested from XXXX. This clearly shows that I had no minimum payment due, and no late payments. The account was closed in XX/XX/XXXX. They continued to hold the account on an open status after I was told that it was closed and they terminated their banking relationship with me. This is where it created the so-called late payment however, how could I make a payment for something that I wasnt even aware it was due? This is truly deceptive. Note that the statement with a due date of XX/XX/XXXX says XXXX balance and payments of {$4800.00} that was the last payment made as of XX/XX/XXXX. XXXX is also reporting this false information. I enclosed a copy of my XXXX report, which does not correlate to the billing from XXXX. This is false reporting. The XXXX report says the account was late from XX/XX/XXXX to XX/XX/XXXX, however that contradicts the billing furnished by XXXX. It also contradicts the date closed reported by XXXX of XX/XX/XXXX, and below that it says XXXX of XX/XX/XXXX! Clearly this is false.
Consumer complaint received 2021-01-19
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)

I was reviewing my credit report today XX/XX/21 because I am planning on buying a new car soon however, I noticed that there are several accounts on my credit report that I never opened. The accounts are from multiple companies all of which I am not affiliated with in any way. The accounts listed on this report were opened in my name without my permission and need to be deleted from my credit report. I suspect that they belong to a family member with a similar name as mine because it has happened in the past. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of these debts. I have already got in contact with these companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting my name and credit history cleared from these unauthorized accounts.
Consumer complaint received 2022-11-30
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)

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.
Consumer complaint received 2022-12-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (CT)

On approximately XX/XX/XXXX, I closed on a XXXX  with Huntington Bank for $ XXXX. At closing, I was required to take $ XXXX of the line, despite the fact that I did not need the money at that time. I deposited the money into my bank and wrote a check to Huntington on XX/XX/XXXX for {$40000.00}. The additional {$62.00} was to cover the accrued interest until Huntington received the funds and was overpaid by {$8.00}. At this point, I have repaid the outstanding amount and overpaid the accrued interest by {$8.00}, which was credited to my account. The XXXX also has a {$60.00} annual fee, which when netted against my credit, should have left me with a balance of {$51.00}. However, I am now told by the bank that I owe {$150.00} because the interest is calculated on the average balance over the billing cycle. So over the 30 day period, my average balance was $ XXXX despite the fact I only had the $ XXXX in my possession for 8 days. I am being charged interest as if I had borrowed $ XXXX over 30 days. How can I be charged interest on money I have not borrowed and don't have in my possession? I have contacted the bank at least 7 times to try and resolve this matter. I was told on most of those occasions that the bank would look into the matter and get back to me. They never did. Now I am being told they will contact the credit rating companies if I don't make a payment ASAP, despite the fact that the bank has not done any of the things they said they would. I am happy to pay the {$51.00} fee for the account. I have already paid the daily interest on the money in my possession for 8 days. This sounds very much like a way for the bank to continue to charge me interest and hide the true balance in the event I wish to pay it off.
Consumer complaint received 2022-04-14
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. (GA)

Account Number : XXXX XXXX XXXX  Account Number : XXXX under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: VYSTAR CREDIT UNION (GA)

Vystar Credit Union has changed for the worst. I have been with them for over 35 years and in the past 3 years, there has been countess fraudulent activity within my checking account that has become inexcusable. There has been fraudulent activity and the tellers there or reps treat you like you are responsible. 
The customer follows the rules and the bank will turn around and give the perpetrator your money back. Even when you fight to get it in the first place. 

As soon as I can leave this bank, I am leaving and will not return as soon as I can get my payroll changed over as they are not able to handle the increase in fraud in America at this time. As a matter of fact, please note there is a fraudulent person working in that particular department by the name of XXXX, the same as the person who stole over {$220.00} from my account on XX/XX/2022. 
There is over {$890.00} in refunds in limbo that I am missing as this same bank has allowed XXXX XXXX XXXX to steal from me even when I proved that they were not due any of my funds.
Consumer complaint received 2021-01-19
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. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-11-29
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: ALLY FINANCIAL INC. (CA)

I scheduled an appointment with an auto dealership to discuss the possibility of leasing a vehicle. The salesperson requested I complete the credit app in advance but ensured me he would not run my credit until the appointment. The morning of the appointment, I cancelled the appointment & requested he shred the credit app. Then, I received notification that the salesperson dishonestly ran my credit the day before the appointment.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

I purchased several Netspend Visa prepaid debit cards attempted to transfer my direct payment to the bank XXXX XX/XX/XXXXand attempted to transfer money by email into the account, according to them no money showed up in the account or on the temporary card. The Permanent cards that where mailed were never given to me, never showed up in the mail.
Consumer complaint received 2021-06-09
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: REGIONS FINANCIAL CORPORATION (TN)

There are five steps to submit your complaint : Step 1 : What is this complaint about? 
XXXX XXXX I paid my credit card off. 
Went to bed and forgot I paid it off and when I woke up i paid it off again the XXXX of XXXX. 

Step 2 : What type of problem are you having? 
The XXXX of XXXX I realized what I had done and called the credit card company and asked them to please deposit my money back into my checking account and was told the bank would have to do it and get InTouch with them Monday. 
Monday came and I went to three branches and never go an answer other than they have the right to keep your money for three days. 
Three days came and went and my bounced accounts kept adding up.

Step 3 : W
hat happened? 
I'm now up to about XXXX XXXX in insufficient funds, if not more by now. 

Step 4 : What company is this complaint about? 
My Checking account is with Regions Bank and my credit card is with Regions bank. 

Step 5 : Who are you submitting this complaint for? Myself, XXXX XXXX
Consumer complaint received 2020-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (PA)

I have a debt collector Waypoint resources that has been on my credit report it is not my debt and I have disputed it know 2 -3 times and have put a statement on my credit report about this debt collector along with other incorrect data I have had .I have no knowledge of this and I am cleaning my credit up and this one will not go away and very unprofessional employees they have at this business ..please look into this
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2021 Today is my 4th of day in a row having my EDD debit card declined at a merchant. 
Today my card was denied for XXXX at XXXX even though I used my PIN. 
This was the 4th day of embarrassment trying to use my EDD debit card. 

I had to be removed out of line and taken to pay for my transaction with cash. And Bank of America wonders why I am constantly trying to withdrawal cash. 

The card was blocked without any notice to me even though I am signed up the fraud protection where I should receive a notice of suspected fraud. 

Also attached is a notice that Bank of America is suspending wallet pay services but there is absolutely no mention of suspending the card use for XXXX. 

This is quite obviously Bank of America trying to freeze the account through other means.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/22 I made a balance transfer with Navy Federal Credit Union for {$2600.00} to be sent to XXXX XXXX XXXX XXXX XXXX. A week later no transfer had taken place so I called NFCU and was told transfer was made electronically and funds had been dispersed. Contacted XXXX  and was told no funds received?!?! Finally after speaking with literally 7 different people combined from both credit unions and having a three way phone call with all parties, no solution. Now I have 2 balances for same amount thats incurring interest, fico  score has dropped and Im in the middle and no one seems to be concerned. I did speak finally with a XXXX at XXXX Legal Department and she is wanting to speak with NFCU but they are not cooperating! Im am wits end! Please help
Consumer complaint received 2022-11-30
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Hi My name is XXXX XXXX and I have been a loyal customer with Bank of America ( BofA ) for more than 10 years. I have started using their credit card approximately 3 years ago. Since the beginning, I used BofA 's auto-pay feature for credit card which ensures that my payment is on time. However, this XXXX, this feature is magically turned off without me knowing about it. ( I believe it is due to some systematic error on BofA 's part ). Therefore, from XXXX - XX/XX/2022, I was unaware that I have not been paying my credit card bills as a result of auto-pay being turned off and BofA did little to inform me of it. I had more than enough money in my debit account to pay for the XXXX dollar bill in my credit card and it is not meant to be delinquent. Once I realize this issue in XXXX, I paid them right away. However, I am now stuck with the late payment on my credit report which are negatively impacting my XXXX XXXX. I explained this issue to them but they keep saying that they are reporting the " truth '' to the credit bureau. I'd like to complain this issue because I believe that there's some kind of systematic error that turned off my auto-pay in which I am not at fault. The resolution for this issue is simple, I hope BofA can revert the late status on these payments on my credit report.
Consumer complaint received 2020-11-05
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 (NY)

Capitol one bank is denying me a SECURED credit card without paystubs. I put im unemployed and they said they need to verify pay stubs. I uploaded my bank statements .according to them, they have to verify my annual income in order to receive a secured card .this is another attempt by creditors to diminish my name.my first secured card is in good standing with no issue. Now they literally are asking for something thats not standard practice for a secured card. Also wan na get my child a secured card, does he need pay stubs also or is it just a person to person basis ..? If so, what basis, are minorities able to properly utilize credit or are we gon na be systematically roadblocked. I attached my application ' and the response from capital one. I can also prove that people of other races don't have this issue getting a secured card.i have plenty of associates fromdifferent walks of life and around the world, that would never experience this type of discrimination trying to build credit this is a urban issue that will be legally addressed .if I have to file a suit to prove I'm being targeted and discriminated against, I will have people from all walks of life on my behalf to prove my statements to be 100 percent true..I will rightfully prove only urban person would have this issue