davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (AL)

Creditor Name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account number XXXX Date opened XX/XX/XXXX 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

On XX/XX/2022 I received a text from US Bank Security notifiying me of 4 transactions and asked if I recognized them. I said no. They then said that the bank would call me shortly. During my phone call they asked me if I had been in another state the night before. I said no. They then said that inorder to protect me I had to send my remaining balance to XXXX and then it will be automaticaly refunded within 24 hours. I sent {$1200.00} to Dispute One on XXXX. I realized the following day after calling the US Bank Security team that it was a scam. I immediately headed to the bank and filed a fraud complaint. The bank manager assured me that my money was insured and would be returned. On XX/XX/XXXX I received a letter from the bank that said they will not refund my money. It turns out that the hackers had gotten a hold of an old debit card that had never been removed from my account from the prvious year. I feel like the bank was responsible for not removing that card from my account.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have contacted this company at least 3 times. I have disputed this with Transunion, XXXX several times, as fraudulent. Once I called both bureaus, they keep stating is that it will remain on the credit for 2 years. Also, for the inquiry on XX/XX/XXXX, there isn't even an application per XXXX XXXX. I need these inquiries removed from my report, as they we unauthorized!
Consumer complaint received 2022-06-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

I was sick with XXXX. This company purchased my loan from another company. I was not notified correctly. I only knew because of my alert from the XXXX with a phone number listeted. I called many times was unable to get a rep. So I attempted to create an account online. However, I couldnt had to try 30 times.When I finally got in after sending several emails and waiting for them to open back up that Monday morning. When I attempted to login to account it was not linked to my profile to be able to make a payment. I had to get tech support to investigate the issue and they took the payment over the phone. Online it shows my account on time as current I had no clue it was a return payment. Per law we have to be notified. The rep advised me they will be sending out a letter. The issue is they had my phone number and address that was never attached to me. I did not get any communication from this company. So I couldnt not make payment due to issues from their system. I ask if they could consider a good will update as paid as agreed being it was update on XX/XX/XXXX which was not correct per law you have a grace period you also need to be notified. Per online I do have screenshot it shows XXXX on time and XXXX ontime. Please update my account as paid as agreed or delete my account from credit profile I did not autorize anyone to report.
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: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days 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 hands of the wrong person. ''
Consumer complaint received 2022-06-20
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (NV)

Hello, We are contacting you regarding an issue we are experiencing with XXXX XXXX and Monterey Financial Services. XXXX XXXX forfeited our timeshare ownership, and we called and confirmed that our account was foreclosed in XXXX of XXXX. It is now XXXX, and Monterey Financial Services has notified us that they now have the account in collections. How can they legally collect when the timeshare told us our account was foreclosed? Also, why did they not try to collect when our account was active, until waiting months to put us on notice that they now are trying to collect on the total amount. Something is amiss here, and we need someone to look into this for us. Please assist us in this endeavor so we can resolve this once and for all. 
Regards, XXXX and XXXX XXXX
Consumer complaint received 2022-01-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (TX)

I had never used a cash app except for XXXX before until XXXX XXXX, 2021 when my son asked me to open a Chime account so he could send me {$500.00} for his final car payment on a vehicle he had purchased from my husband and I. I created my Chime account and he transferred to {$500.00}. The next day I checked the account and the balance showed {$500.00} as expected. I tried to link the card to my XXXXXXXX XXXX account and my XXXX XXXX XXXX XXXX account as Chime stated was possible in order to transfer the funds but neither bank would link to the Chime card. Since I planned to use the {$500.00} after XXXX at the XXXX store along with XXXX gift cards my husband and I have received I decided to just leave the {$500.00} on the card and take it to use at the XXXX store. Once the actual debit card came in the mail I activated it in the Chime app as instructed and set up a PIN. I also checked the balance and it was still {$500.00}. On XXXX XXXX my husband & I drove XXXX miles to the XXXX store at the Domain in XXXX, TX which is the closest one to where we live in XXXX, TX. When we tried to purchase the items the Chime card was declined! I was mortified! While my husband tried several attempts at different amounts ( all failing ) while I contacted XXXX where I was told they were having problems and I would need to wait till the next day! The next day I went to and ATM to withdraw cash and the card was declined again. I called XXXX and was told I had already called and there was nothing else they could do. I just needed to keep trying from time to time until the card worked! After a couple more attempts and being declined I emailed XXXX and got a response that thanked me for my feedback and apologized that the weather in XXXX XXXX had been too bad for them to send the money! They are barely even making an excuse as to why they are holding my money hostage! They have virtually stolen my money! They have made no offer of a new card or a check or re-booting the ATM or I don't know but I don't have any faith in the company ever doing the right thing without stern encouragement from someone in authority! Please help!
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: Experian Information Solutions Inc. (AZ)

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

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-18
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 XXXX Account 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 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 2022-12-28
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One keeps allowing fraud checking accounts to be opened in my name. The info includes my Social Security Number, full name, home address, email address, phone number. 

XX/XX/2022 : I received a debit card in the mail from Capital One for a XXXX checking account. I didnt open it so I called Capital One. They apologized, closed the account, SUPPOSEDLY deleted my information, and SUPPOSEDLY put a fraud alert connected to me saying that I have no intention of opening accounts with them. Capital One refused me any information connected to the account and told me to file a police report if I wanted it. I also went and froze my XXXX XXXX from the XXXX credit bureaus. 

XX/XX/2022 : I received XXXX emails both at XXXX. The first XXXX said Thank you for opening your checking account with us XXXX XXXX! Please upload XXXX forms of ID to complete the process! It also includes a application ID. The second one informed me that the phone number associated to the account was changed. I immediately called Capital One again. The lady on the phone informed me that she couldnt close the account and that the Fraud department was closed and would open tomorrow at XXXX. She swore up and down that they would reimburse me for any money/loans or anything done in my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (MA)

MIDLAND CREDIT MANAGEMENT said they acquired this alleged debt from another company and that they contacted me via mail. I never received any certified mail or any documents from MIDLAND CREDIT MANAGEMENT at my place of abode. MIDLAND CREDIT MANAGEMENT must provide documentary proof that I RECEIVED any communication from them giving them permission to furnish anything on my consumer report or delete the account immediately. The GRAM LEACH BLILEY ACT clearly states I, the consumer, must receive an option to opt out of any of my non-public personal information being shared without my permission. In addition, the definition of communication of a debt when it comes to the FCRA is : communication directly or indirectly regarding an alleged debt across ANY medium. My consumer report is a medium and your reporting is communication. You are in direct violation and must cease or I will not hesitate to hire legal counsel and seek damages.
Consumer complaint received 2021-12-18
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. (NY)

This account was settled in full on XX/XX/2021 and I received my discontinuance letter on XX/XX/2021 via email. I have reached out to both the law office and the credit unions to have this account removed from my credit report. They instead reported the account minus the amount I paid but in the letter it clearly states that they can not collect any further. This law office removed my last account when we went to court and I want the same thing done here.
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (MD)

First Bankcard, a division of First National Bank of Omaha, charged our business bank account twice for a monthly payment set up on auto pay for XXXX, 2022. 

I called and asked they refund the {$12000.00} payment by check and they said they would process this and we would receive a check in 7 to 10 days. 

I called 4 weeks later since we did not receive a refund check. 

They said I charged a {$35000.00} bill the day after I called for a refund so they kept the $ This was stealing from us. 

The {$35000.00} on our account would not have been due until XX/XX/XXXX.
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. (MI)

on. for 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 XXXX Account # : XXXX Date Opened : XX/XX/XXXX reported late payments XXXX  XXXX Account # XXXX Date XXXX reporting late payments to my credit profile XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX : {$240.00} XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian 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.

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 any reasons.
Consumer complaint received 2022-06-20
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. (MS)

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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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: 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: BARCLAYS BANK DELAWARE (NY)

I noticed many fraudulent charges on my Barclays credit card from XXXX of this year. Initially, when I contacted them, I was able to get the card closed and a new one allegedly sent out. I was assured that my card indeed had fraudulent charges, and that I was not responsible for the charges. I was given a new card number. However, the issue arose when Barclays sent me a letter saying I had to submit IRS form 4506-T. I submitted the form as requested. This was about a few weeks ago. However, since then, I still dont have a new credit card, my online account is still locked, and the credit card company has never sent me any updates regarding if the IRS form was accepted, denied, or anything in between. Whats worse is, I have a credit card statement due on the new card number that Im pretty sure was still used fraudulently. Because I never got the new card, never activated it, and its radio silence on the status of my account and my card.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions