davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (OR)

complaint reference code XXXX discover checking account was blocked every time I tried to transfer funds from/to one of the previously linked checking or saving account to the discover XXXX or a real checking account Discover does not offer any real checking account, since a real checking account should be able to send and receive funds transfers from previusly linked external checking/saving accounts without a account block after each transaction The entire web internet is currently making fun of them since discover block/freezes the discover checking account if 1 there is a funds transfer credit, started from a previously linked external checking/saving account registered under the same name 2 there is a funds transfer debit, started from a previously linked external checking/saving account registered under the same name 3 there is a funds transfer credit, started from discover and pulled from the previusly linked checking/saving registered under the same name 4 there is a funds transfer debit, started from discover and pushed to the previusly linked checking/saving registered under the same name 5 if a customer does not use the debit card for a certain period of time and suddently starts tto use the debit card also for low amounts, then again discover blocks the checking account The bank is not normal, they even have a separate page were customer can upload the document id to confirm identity unlimited times and they name the page " secure page or secure upload or whatever '' I have uploaded my document id twice already t The first time they unblocked the checking account, but the account was blocked again when I tried to deposit funds to discover with a funds transfer from a previously linked checking/saving account registered under the same same, my name, as indicated above The banks need to make up their minds they have to decide if they want to operate n the internet or if are unable to operate on the web, they should work put the web only, offline, they don't have the permission to waste customers valuable time, with their strange procedures The result of their strange procedures can be found on the internet, the entire web is making fun of the so called bank The checking accounts was probably closed without notice, not even a simple email, maybe they are unable to type a email, because they need the help of the hight tech technology, the nasa, to be able to send email notifications I had funds in the checking account that were not refunded perhaps, they still trying to send a sms to the email adress registered on the discover checking account? 

good luck I will tell to each person that I know. that discover blocks checking accounts With no real reason
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is crucial to highlight that I have no affiliation with the specified creditors and did not approve this inquiry. Please take swift measures to eliminate it from my credit report. Thank you for promptly addressing this matter.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

in accordance with the Fair Credit Reporting act XXXX  account # XXXX and 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 2021-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Truist Bank took over the servicing of my mortgage during the summer of 2021. They failed to pay my property taxes on time even though it's their responsibility and they require me to maintain an escrow account for this purpose. XXXX XXXX, Georgia assessed a late fee on my property tax account in the amount of {$140.00}. Truist will not provide any details about how or when this amount will be credited back to my escrow account. I am not liable for this late fee yet they paid the late fee from my escrow account. See one of the attached documents showing the late fee assessed by XXXX Co. 

In addition, they claim to have submitted 2 separate tax payments in the amount of {$3200.00} on XXXX XXXX, however, I am only able to see one tax payment for this amount on their website and phone app. I contacted their mortgage and online banking teams three times speaking with " XXXX '' on XXXX XXXX, " XXXX '' on XXXX XXXX, and " XXXX '' on XXXX XXXX. 

None of them would provide details about when my escrow account would be credited back the late fee nor could XXXX or XXXX provide me a copy of the second tax payment supposedly mailed to XXXX XXXX on XXXX XXXX. Neither XXXX or XXXX could correct the web site so I can see the second tax payment on the Truist web site or phone app. See the second attachment showing a screen shot of their broken web site that will not display the second tax payment. 

As the consumer paying for this mortgage, Truist has an obligation to display accurate information about my mortgage account activity. They are not providing me accurate information on their web site nor through their phone app.
Consumer complaint received 2022-06-21
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I was sent a Debt collection notice from COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX XXXX. The total amount for collection is {$23000.00}. I contacted the company and inquired why? They informed me that someone had been using my identity to rent a property from XX/XX/XXXX - XX/XX/XXXX in Georgia. I have never lived in Georgia nor have I given anyone permission to use my information to do so.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (IN)

This debt was paid XXXX XXXX and was removed from XXXX and XXXX that day. Today, it is still reporting to XXXX as unpaid and when I called, they stated first that they sent notification of payment on XX/XX/XXXX, then today ( XX/XX/XXXX ) said that when its disputed they have to wait for the client ( XXXX XXXX ) to send the paid receipt but they have been reporting it as paid since XXXX. I spoke with XXXX XXXX and they said its been showing as paid. XXXX has no record of it being paid and even shows it on the dispute. You cant talk to anyone other than the customer service representatives because theyre all equipped with reporting expertise and there isnt anyone higher up to speak with.
Consumer complaint received 2022-06-21
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I disputed a transaction dated XX/XX/XXXX by merchant XXXX XXXX ( aka XXXX  ) on my Chase credit card ending in XXXX for a partial amount of {$2800.00} for return leg tickets of a round trip. 
In the dispute resolution letter XXXX, the merchant claimed in summary ( page XXXX attachment ) that tickets are sold as non-refundable, but presented evidence in the letter that contradicted their own summary. Based on the summary statement, Chase has resolved the dispute in favor of the merchant, finding no billing error, which again contradicts the evidence. 

SUMMARY : The attachment shows that the merchant has provided evidence against themselves showing bait and switch by them. Essentially, the merchant policy says ticket cancellation should be done 24 hours before departure, but as per their own statements they refused to refund tickets 4 days before departure. Their claim, which is merely a summary statement, is contradicted by every policy and evidence presented by them or me. 

I provided this evidence and contradictions to Chase in dispute claims XXXX and XXXX, both of which were resolved by Chase in favor of the merchant saying While you may have a valid complaint no billing error occurred on your account., which violates Fair Credit Billing Act for following reasons : REASON XXXX : The merchant refused to provide a refund option on XX/XX/XXXX ( 4 days before departure ) as contracted in Ticket Policy ( Evidence XXXX, XXXX and XXXX ) and Airline Policy ( Evidence XXXX, and XXXX ). This is a billing error under 15 U.S. Code 1666 ( b ) ( 3 ) goods or services not delivered ... in accordance with the agreement made at the time of a transaction.

REASON 2 : At the time of departure, tickets were in canceled state and couldnt be used.

REASON 3 : The merchant violated Federal Regulation 14 CFR 399.80, which is a billing error under 15 U.S. Code 1666 ( b ) ( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

So I have been in dispute with XXXX XXXX and Experian about these erroneous accounts they have allowed to report on my credit report with out my knowledge and permission. so after months being ignored I did my own research and I found that the according to the Fair Credit Reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX of TX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Family XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX : XXXX of texas XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX momentum XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX an # XXXX XX/XX/XXXX now the following are the laws that were violated as stated in the Fair Credit Reporting Act. 

15 U.S.C 1681 section 602 A : I as the consumer have a right to privacy 15 U.S.C 1681 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions to do so. ( I did not give written instruction to do so ) 15 U.S.C 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the the following items of information : Any other Adverse item of information, other than records of convictions 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 2024-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M&T BANK CORPORATION (NJ)

This debt keeps being verified by the company. No notices in the mail. Last cfpb complaint got them to sent a " we are looking into letter '' with nothing else. Company also claims to have made phone calls, and sent letters. I have no proor of this. The BURDEN is on THEM to proof they have indeed. Signing up for the CC itself is not verification of. Several months and attempts have gone by with XXXX communication or verification. This debt does NOT belong to me. 

At this rate. Constantly verifying a debt without providing proof, I will be bringing a civil suit and lawyer at this point against the CC company. Thos is unacceptable
Consumer complaint received 2022-06-21
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. (MD)

N accordnace with the fair credit reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-21
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. (FL)

complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB should you continue in your non-compliance. I further remind you that, you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days. This agency is in violation of As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for:1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C SEC 1681 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 2024-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diversified Adjustment Service, Inc. (AL)

XXXX has sold this fraudulent collection account to Diversified XXXX. According to XXXX, Diversified Adjustments has submitted fraud reports to all three credit bureau ( XXXX, XXXX, XXXX ). Recent activities XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; etc for {$170.00}. Two previous cases were reported on XXXX. One of which XXXX used XXXX XXXX to process. XXXX and Credit Bureaus failed the correct my credit reports, this blocking reoccurring posting of fraudulent charges which has resulted in XXXX points for two months causing my credit score to drop to poor. I am requesting financial recovery from XXXX XXXX diversified XXXX  and all three credit bureaus.
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX, Account XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights, They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights 15 U.S.C. 1681 SECTION 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

They also violated my rights 15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish account with my written instructions.

They also violated my rights 15 U.S.C 1681e ( b ) and 15 U.S. Code1681i ( 5 ) This account is in violation, not reporting 100 % accurate it lists the child support court as the furnisher that is forgery and misleading when the courts do not report this type of account.
Consumer complaint received 2022-06-21
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. (NJ)

on XX/XX/XXXX I sent out a certified letter because they are reporting a bankruptcy on my credit report. They get their information through the company LCI. When asked HOW they verified said bankruptcy, they just respond that it has been validated. With my letter I sent them correspondence from the Bankruptcy court and PACER who both said that they do NOT directly give out bankruptcy information to third party companies such as XXXX XXXX or transunion, XXXX and XXXX. Being as though they are the only legal holders if public records, there is not way for LCI to have legally verified or validated that information to give it to Transunion to report. They were given 15 days to delete the reporting and are coming close to the deadline
Consumer complaint received 2022-06-17
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 Account XXXX FUNDING # 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 my written instructions
Consumer complaint received 2022-06-20
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: STERLING JEWELERS, INC. (FL)

This is a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to federal law, this debt has never been validated, please remove it from my consumer credit report. The furnishing of this information is false and misleading credit information. I never validated nor authorized this alleged account to be reported on my consumer report. Attached below are supporting documents. A letter was sent to the company requesting the validation of the alleged debt. No action has been taken. I also have attached a confirmation of correspondence arrival via USPS certified mail.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

in 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.

I submitted 1
5 disputes in 12 months to the credit bureau that my name was incorrect, the accounts were paid and not updated as well as additional inquiries showing on my account after I sent a police report that my information was used fraudulently. 

My name is XXXX XXXX XXXX with address XXXX XXXX XXXX XXXX, NC XXXX. My social security number is XXXX. 

The incorrect information on my credit file is the following : XXXX XXXX XXXX XXXX XXXX The incorrect addresses on my credit file is the following : XXXX XXXX XXXX XXXX, NC XXXX Incorrect info on my file : XXXX XXXX XXXX : XXXX Account was paid in full and should be removed XXXX XXXX XXXX XXXX  Acct : XXXX Account paid in full and should be removed. My child is XXXX XXXX XXXX and case closed when he XXXX XXXX XXXX. 

Inquiries that are unauthorized, please remove : XXXX XXXX  XX/XX/2020 I did not authorize them access to my credit file XXXX XXXX XXXX XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 I did not authorize them access to my credit file. 

XXXX XXXX XXXX XX/XX/2020 I did not authorize them access to my credit file