davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
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: CORELOGIC INC (DE)

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed. 

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. CoreLogic, XXXX and XXXX XXXX, are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, the XXXX XXXX and XXXX XXXX Credit Card are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. CoreLogic, XXXX and XXXX XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ).

CoreLogic, XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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.
Consumer complaint received 2020-11-13
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. (FL)

Dear Experian/XXXX/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I called Capital One today and spent over an hour on the phone with no results. I recently made a payment on XX/XX/XXXX, that cleared my bank account the following business day, XX/XX/XXXX. Capital One has said payment on a 6 day hold and is refusing to update my available credit for usage. The funds have been cleared and the payment has not returned so I am very frustrated as to why the funds are not being made available to me. I spoke with a supervisor who told me there was nothing she could do. I then asked to speak to her manager, and I was told her manager only handles administrative tasks. The first associate I spoke with had construction going on in her home and I could barely hear her the entire call. When I asked to speak to her supervisor after being placed on a 15 min hold, I was disconnected from the call.
Consumer complaint received 2023-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

Hi, I am reaching out, because I recently just moved to XXXX XXXX for XXXX XXXX. I never had a Venmo account prior to this incident, and honestly would never use their serves again. I only created an account because i was told by other students, this was a method that one uses to pay bills. With us not having access to a XXXX XXXX, XXXX XXXX, XXXX, etc are very convenient tools. I sent money to the owners property manager for my current apartment. Venmo froze my funds and suspended the property managers account, when he tried to refund back the {$4000.00}. The property manager attempted numerous times to refund the {$4000.00} back. However, Venmo suspended his account and requested documentation in order to release the hold. 

The requested documentation was sent as requested, however the hold and suspension is still active. This is very strange to me because the property manager was only trying to refund my money back into my account. If he was trying to deposit the funds into his account and Venmo was trying to protect its customer by trying to insure the funds were going to the right person. Then, I could see a reason for the funds being placed on hold. Even if Venmo was trying to make sure the merchant paid taxes because he reached a certain limit. Then, placed the funds on hold prior to him depositing the funds into his bank account. I could understand that, but this is not the case because a serve has not been rendered. I truly feel robbed by Venmo. 

This whole ordeal feels odd, I never had a financial entity play with my funds like this. Venmo has two parties willing and waiting to return funds ( as Venmos return policy states ), and shockingly there is still a problem. Im frustrated and in disbelief, because no service has been rendered and Venmo has still held on to my money. The fact that I had to pull another {$4000.00} out my bank to pay my apartment deposit ( via another method ) has truly shown me I am not a valued customer. I am a XXXX XXXX XXXX who can not work because of the demand of XXXX XXXX So, to be having to be place in this position is unsatisfactory. Venmo has shown me the company is a fraud, they are not protecting their customers. If anything we need protection from it. I will be filing a complaint with the Consumer Financial Protection Bureau also, because no one should have to go through this.
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SANTANDER HOLDINGS USA, INC. (FL)

I moved to XXXX  in XXXX, 2018. I had my computer taken over after signing up for virus protection. They took money from my premier  checking account that i had with Santander bank for many years I then went into the XXXX branch in Massachusetts. the Manager closed my premier  checking and savings accounts and issued me a plain red card masterdebit instead of the gold premier card I had for many years!!! I never asked him to give me inferior accounts and assumed he would do his job and replace said accounts with comparable ones! now i just noticed a fraud charge on my red card as my gold card no longer works. the bank has discontinued those premier accounts now, but I was supposed to be grandfathered in as I was a XXXX  Bank member for 25 years. I want all my premier checks returned and gold card back like I had for many years!!! the XXXX thieves also stole {$7000.00} which I never received., so I'd like that deposited to premier checking
Consumer complaint received 2020-07-17
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation (FL)

Greetings, I have reached out to all the XXXX  concerning inquiries reflecting on my credit report I did not approve. In this process, XXXX  provides the same reply every time and not providing the documents of how or who they spoke with to verify the information I am disputing. XXXX  provided address information for the inquires reflecting my report - so far two of the inquiries mailing address was returned to the sender and not received. the other mailing addresses have not responded. OneMain signed for my letter reaching out to them concerning the following inquiry reflecting my credit report. They signed for my letter on XX/XX/2020 and today is XX/XX/2020 and they have not replied within the 30 days given to response. This company which pulled and reviewed my credit without approval can not provide a signature, esignature, statement, voice recording of me authorizing this pull. Which is why I disputing the following accounts. It needs to be removed asap.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (WI)

A massive number ( 2 to 5 per day ) of robocalls from a number of places claiming to do home mortgages or rent-to-own ( one fake business calls themselves " XXXX XXXX XXXX XXXX '' ) and then reads a script and tries to hotswap to Lexington Law for credit repair claiming that my credit score is preventing me from owning a home. 

I've reported it to Do Not Call but this has been going on for months and it's getting worse. It's really really annoying.
Consumer complaint received 2023-02-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I made a large purchase on my USAA credit card and then paid off my balance. I ended up returning the purchase, so I had a negative balance on my credit card of {$4900.00}. USAA mailed me a check for that amount. I never received the check. 

When I called USAA to ask them to reissue the check because I had not received it, I was informed it had been cashed. The only possible explanation is that it was stolen at some point in the postal system because it never made it to my locked mailbox ( I have already filed 2 claims regarding this stolen check with the United States Postal Inspection Service ).

I was sent a copy of the cashed check and the endorsement on the back is clearly not mine. It was signed over to XXXX XXXX XXXX, a company I have never heard of. It was deposited into an account that does not belong to me. 

I informed USAA that the check never made it to me and that I did not cash it. They refuse to give me the nearly XXXX XXXX dollars that I am owed and that was stolen by the owner of XXXX XXXX XXXX through no fault of my own. 

I have filed a police report. I have filed multiple claims with the United States Postal Inspection Service. I have spent countless hours on the phone with USAA and filled out all of the paperwork they have requested. They have done nothing to get the money back to me. It is not my fault that they chose to mail my money instead of delivering it to me in a safer way ( e.g., wire transfer ). It is not my fault that they did not verify the endorsement. I have in no way contributed to the loss of the funds. I want USAA held accountable for allowing a criminal to cash a check that was made out me without verifying the endorsement in any way, and I want them to pay me the {$4900.00} that they owe me.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Failing to address an issue of threatening behavior from one of their associates and the police report I had to file in XXXX, FL bank was a failing of the first closed investigation by cfpb.
Consumer complaint received 2020-08-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have made several attempts to obtain legal documentation to show that Portfolio Recovery has indeed legal rights to collect this debt. I have sent numerous certified letters inquiring about such documentation and none was provided. The only documentation provided has been just basic statements bills from the original creditor.
Consumer complaint received 2023-02-04
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. 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 2023-02-04
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)

In accordance with the FairCredit 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 a 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 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (GA)

My driving record is compromised because the insurance company I filed a claim with is reporting the accident as an at fault when indeed it was not my fault. 

XXXX is reporting this information incorrectly XXXX XXXX is reporting this I correctly Lexis nexis risk solutions and all other driving record reporting agencies are reporting incorrectly. 

I keep getting high insurance quotes because of the misinformation
Consumer complaint received 2020-11-13
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. (FL)

Dear XXXX/TransUnion/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

This company let someone over draw my account and expect me to pay. I asked them to dispute the charges and closed the account they told me that unless the balance is paid i can't closed the account. i have did a police report even called and chatted with someone and they offer no solution to this account and unknown credit card that i didn't apply for. This company owed me {$780.00} dollars for a previous account that they closed but the money mysterious disappeared and they offer no solution. They don't communicate with each other so nobody know how the account gotten overdrawn, nobody know where or how the credit card got open and nobody knows where XXXX XXXX dollars went too.
Consumer complaint received 2023-02-01
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)

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 2021-01-25
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: CITIBANK, N.A. (FL)

On my credit reports there is a closed account with huge amount of missed payments. MACY'S/DSNB ( opened XXXX. XXXX, 2009 XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MACY'S/DSNB has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2023-02-04
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. (FL)

I never authorized or even visited the dealership to conduct any business. 
After numerous letters in XX/XX/2022, from various lenders I tried to correct this. 
I spoke to XXXX XXXX and XXXX at XXXX XXXX XXXX ( XXXX ) XXXX. 
I was told this would be resolved but it was not and has lowered my XXXX credit score greatly. There are12 inquires from this error. Please delete all inquires and restore my good credit standing. Thank you
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I contacted the credit reporting agency to remove the inaccurate and outdated personal information in my credit file related to the addresses listed. I informed them that these are non-mailable addresses and should be removed immediately. They failed to comply in removing these items. The following addresses need to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!