davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
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)

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  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 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 2022-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

I tried to make a Venmo payment to a new person last week, and though there was no fraud involved, Venmo shut down my account. 

Venmo stated at the time that I would have a clear answer why within six days, but 10 days have elapsed and Venmo has not even replied to my several emails. 

I spoke with a Venmo customer service rep in the XXXX and she said she would resend my request marked " urgent. '' I still have had no response from Venmo. 

This low level of customer service violates what Venmo has stated in writing to me and also violates their Terms of Use agreement.
Consumer complaint received 2022-07-15
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. (OK)

DEPT OF ED/XXXX  violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so DEPT OF ED/XXXX  has violated this law because this late payment is reporting on TransUnion 15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so DEPT OF ED/XXXX has violated this law because this late payment reporting on TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so DEPT OF EDXXXX has violated this law because they furnished this EXPERIENCE to TransUnion and I didnt give them permission to do so.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-07-15
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (TX)

I reported fraudulent charges made to my account. My original card was damaged and asked for a replacement card. I never received the replacement card, and from what the creditor told me, the cards ship in the mail already activated. Someone used my card multiple times in XXXX & XXXX. I reported this late XXXX and talked with the creditor in XXXX regarding the charges. They removed them but I received a letter on XX/XX/XXXX stating that there wasn't enough evidence of fraud and they put the charges back. I've tried numerous times to reach the investigator and she will not return my calls and no one else will help with the claim. 

XX/XX/XXXX {$1100.00} XX/XX/XXXX {$590.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$440.00} XX/XX/XXXX {$700.00} XX/XX/XXXX {$78.00} XXXX XXXX {$47.00} XXXX XXXX {$210.00} XXXX XXXX {$180.00}
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX, XXXX, CA XXXX On XX/XX/XXXX at XXXX I deposited about {$7000.00} at ATM # XXXX and the machine froze for some time and gave me only a check stating that the machine could not return my banknotes and could not process my request. And they asked me to call and open the claim. On XX/XX/XXXX I called and opened claim # XXXX, 2 months later XX/XX/XXXX I got a response from the bank that unfortunately they have not found any records and denied the claim. I called them and asked them to reopen the claim, but they refused. Went to the bank branch and along with the bank, the representative called the claim department the answer is the same we don't have any records.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (DE)

Inactive modal Consumer Financial Protection Bureau Start a new complaint All complaints XXXX Print complaint CLOSED Submitted Banking overdraft fees grace periods too bring account to positive balances, are just a scam, to further financially harm American retail consumers. 

Wells Fargo must supply to me with a copy of a document which they purportedly say I signed for overdraft fees and to pay certain bills that come through to my accounts. As far as am concerned, I did not voluntarily opt into overdraft fees but their banking or transacting system signed me up by default. Furthermore, I need evidence to support that I opted into Wells Fargo overdraft fees. 

I do not agree with excessive overdraft fees this bank continues to charge from me. I need evidence of a copy of opt in document that the bank alleges I signed to their excessive overdraft fees. This banks charges {$35.00} per dollar paid. 

Wells Fargo also decides and chooses which of incoming transactions are paid by them at their XXXX discretion without my input or consent from consumer, which in return harms finances and causes emotional damage and despair. Thus, I need proof that this bank is not just engaging in predatory banking, and fees imposed on its vulnerable consumers. I also need a document that shows I really signed a consent to approve of their overdraft fees and discretionary payments to my creditors. Please provide proof of consent. 

I strongly believe Wells Fargos overdraft fees are excess, predatory and discriminatory to minority consumers.Therefore, I need a refund for fees charged because this banks has always declined to pay for certain debits in excess of {$35.00} but only pays those below {$1.00} so that they can make profits. 

Wells Fargo bank needs oversight in its abusive and predatory banking practices and the way it treats low income low net-worth customers. 

The overdraft fees are too excessive and predatory which negatively and financially harms people of color and other low net-worth consumers. Please do something. 

They practice predictors banking and choose to decline paying or pay creditors for incoming bills to my account, but they are selective on who want what bills are paid. 

They only pay for certain transactions when they know they will make profit, with no regard to negative effects on its low net worth consumers. 

Their new tactics of grace periods to allow customers to make payment to bring accounts to positive balance is a way to cause more harm and to make more profits from Vulnerable customers especially people of color, like me. 

I need all fees charged as a result of forced overdraft fees to be refunded. 

Thank you. 

XXXX XXXX
Consumer complaint received 2022-10-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credence Resource Management, LLC (FL)

I have been requesting for your company to provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. Also, My rights as a consumer might have been violated especially my rights to privacy.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-10-22
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. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-11-12
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. (AZ)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX  # : XXXX, XXXX, Account Name : XXXXXXXX XXXX XXXXXXXX # : XXXX, XXXX, Account Name : XXXX XXXX # : XXXX, XXXX, Account Name : XXXX XXXX  # : XXXX, Account Name : XXXX # : XXXX, Have 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 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 2022-11-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On behalf of my late grandfather 's safe deposit account, The Staff at the XXXX XXXX of Capital Bank was forced to close his account on XX/XX/XXXX without his knowledge by mail. Unfortunately, he passed away on XX/XX/XXXX. My family and I have attempted to get his valuable contents from a safe deposit box. The contents are {$10000.00} cash, jewelry, and a XXXX property deed. Therefore, It has been unsolved since XX/XX/XXXX, even with help from an attorney. Recently my attorney filed a petition from a XXXX XXXX XXXX last XXXX, but still no resolution because of the unassigned file number.
Consumer complaint received 2023-02-27
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX  XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The 4th dispute and request from Transunion for validation or to remove XXXX on my file ASAP : This letter is in response to your recent claim that XXXX XXXX XXXX Georgia verified the account they are reporting is accurate. The letter I received from XXXX XXXX XXXX Georgia states this did not take place. I have contacted both XXXX XXXX XXXX Georgia and XXXX XXXX as you keep having me chase them when it is your responsibility to do this before adding anything to my credit report. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. It is not legal to place items on my credit that has not been verified from the creditor listed and you have continue to give me false information. 

In compliance with this method of investigation request, please provide the following : 1. The description of the procedure used to determine the accuracy and completeness of the information.

2. Name, address, and telephone number of each person contacted regarding this alleged account. 
3. A copy of any documents provided bearing my signature, Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.
Consumer complaint received 2022-09-29
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: Maximus Federal Services, Inc. (MI)

I HAVE STUDENT LOANS ON MY CREDIT REPORT THAT HAVE BEEN IN A XXXX PAYMENT STATUS FOR OVER 10 YEARS. I HAVE NEVER BEEN LATE BECAUSE I HAVE NEVER HAD A PAYMENT DUE. THE ACCOUNT WAS SOLD TO AIDVANTAGE AND THEY REPORTED 24 LATES TO MY CREDIT OVER 8 STUDENT LOANS. THEY ARE ALSO NOT REPORTING MY 7 YEARS OF GOOD PAYMENT HISTORY TO THE CREDIT BUREAUS THEY ARE REPORTING LESS THAN HALF OF MY ON TIME PAYMENTS FOR THE 7 REQUIRED YEARS OF REPORTING. THESE 2 THINGS ARE HURTING MY CREDIT SCORE AND CAUSING ME TO PAY HIGHER INTEREST RATES ON CREDIT CARDS AND LOANS AND ALSO DISQUALIFYING ME FOR LOANS THAT I SHOULD BE QUALIFIED FOR. I SPOKE TO AN AGENT AND SHE AGREED THAT THEY ARE REPORTING INCOMPLETE INFORMATION BECAUSE THEY DID NOT RECIEVE IT FROM THE DEPARTMENT OF EDUCATION. SHE ALSO AGREED THAT SHE DID NOT SEE ANY LATE PAYMENT HISTORY NOR DID SHE SEE ANY PAYMENTS THAT I HAVE MADE ( BECAUSE I HAVE NEVER MADE ANY ). AID ADVANTAGE REPORTED TO MY CREDIT REPORT THAT I WAS LATE 2 TIMES THEN MADE A PAYMENT THEN WAS LATE AGAIN.
Consumer complaint received 2022-07-15
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: Finance of America Holdings LLC (WA)

I have a hard inquiry on my XXXX account from XXXX XXXX on XX/XX/XXXX which I called them back in XX/XX/XXXX, They said they are a third party and the company that told them to pull is Finance of America LLC, and gave me their phone number and the representative to speak with. I called the number and the business said they would have the representative give me a call back to discuss. No one ever called me back. Today, XX/XX/XXXX I have tried calling XXXX XXXX again and their phone number is no longer in service, I called the number they gave me for Finance of America LLC and the calls go straight to voicemail. I look on my XXXX account and see a hard inquiry for the same date, XX/XX/XXXX under a different third party, XXXX, so I called them and they said again they are a third party for the same company, Finance of America LLC. I told them about my XXXX inquiry for the same thing and that I DID NOT authorize this inquiry. XXXX said I could file a dispute through their email but that is only for the inquiry on the XXXX account and not for the XXXX inquiry.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

The companies listed below are unlawfully reporting an unauthorized inquiry on my consumer report. 
I have not given them permission to access my credit profile. 
I have not initiated any transaction with the companies listed below. Furthermore, I do not havean account as defined under 15 U.S.C. 1693a ( 2 ) with the companies listed below for review orcollection. 
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 







Dispute letters were sent to the companies to dispute the matter, no correspondence yet.
Consumer complaint received 2022-09-29
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-09-14
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: Professional Placement Services, LLC (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.