davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
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. (OK)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

I filed a complaint with the CFPB and the complaint was sent to Equifax and they did nothing. They still have not answered where and how they got this information. I need this account removed immediately. 

I submitted a dispute to Equifax on XX/XX/2022 through certified mail and I received a response stating it was verified. In my initial response, I asked for who verified the information and how? These questions were never answered. I then sent a follow-up dispute on XX/XX/2022 after receiving the letter from Equifax stating it was verified and again I asked for how this was verified and who verified it and Equifax sent me the same information they sent previously, which was nothing, but just stating the information was verified. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This is a violation of my rights and I want this removed. This account is negatively affecting my credit.
Consumer complaint received 2020-06-22
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. (UT)

My name is XXXX XXXX. I'm a XXXX currently in practice in XXXX XXXX XXXX Utah. My complaint involves my credit score and what I consider an inappropriate reflection of my score to recent events. Late XXXX ( XXXX ; had inaccurately listed XXXX in prior complaints ) I had made the minimal payment for my student loans in preparation for the Covid-19 pandemic. Every other installment I had essentially " over paid '' to pay down interest and principle ( XXXX each month ). This minimum payment was made on time and in good standing w/ my servicer/lender. Making a minimum payment would result in several of my loans slightly accruing interest ( most by XXXX XXXX of dollars ). I was ok with this trade off as I was trying to save some liquidity in preparation for a global pandemic. I have had colleagues loose their positions or being asked to take significant pay cuts. I more or less was preparing myself for the same potential. Unbenounced to me, the small increases in my loans ( 1 time/interval ; overall trend is still going down ) would result in a 50+-70+ point drop in my credit score. This has in turn impeded my ability to receive a mortgage and I am currently unable to pursue a home I intended to purchase. The government would w/n days of my last payment grant all student loans in deferment to address the pandemic ( illustrating the degree of the matter and justifying my original concerns regarding preserving liquidity ). I feel this situation and my reflected current credit scores are a unfair representation of myself as a borrower and has caused me significant loss in my ability to purchase a new home ( made worse by further losses trying to purchase a home that I no longer qualify for ).
Consumer complaint received 2023-03-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (TN)

I am writing to inform you all I am filing a complaint against Truist Banks cash reserve, a line of credit of up to {$750.00} offered based on qualifying direct deposits in checking and/or saving accounts. After my call on XXXX XXXX of XXXX, I was unable to resolve bringing my first monthly payment down to the {$190.00} from {$330.00} after explaining that a previous supervisor, who I spoke with on XXXX XXXX  of XXXX, and the terms and conditions failed to properly inform me that if I took a cash advance in the midst of an active advance, charges would be applied on the dude date from both advances. I reached out right after I took the advance ( XX/XX/XXXX ) and after the statement posted ( XX/XX/XXXX ) with no clear resolution. The terms and conditions also state that I can write a letter to Truist if I believe my statement balance is wrong and I will be sending a letter by XXXX XXXX which is five days before my payment is due & when a letter must be received for automatic payments to stop. I also, according to the terms and conditions, must report this error no later than sixty days after the error appeared and writing a letter by this date falls in that timeframe.
Consumer complaint received 2023-03-27
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. (WA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX ... has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-27
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. (NJ)

Sometime between XXXX and XXXX my FICO score dropped XXXX points because I don't have a mortgage. This has happened once before and the next month my FICO score went up previous levels. I haven't had a mortgage ever so there's no reason that this should be changing every month.
Consumer complaint received 2023-03-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC (NY)

I rented a car through XXXX while on vacation in California on XXXX XXXX 2022 to XXXX XXXX 2022. Following my trip, the owner of the car claimed false damage that I did not do. The original claim for repairs was {$1300.00}. I then received a supplemental report for further repairs needed in the amount of {$1600.00}. These charges are absolutely unjust. I provided proof that I did not do the damage. The company states the claim stands. I think this is completely unfair and unjust damage reports. I refuse to pay {$3000.00} for something I did not do. I want legal recourse to dispute this.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

The auto payment system of Bank of America credit card is misleading to customers. The auto payment system has 4 options : Pay Amount Due - Pay Minimum Amount Due - Pay Account Balance - Pay fixed amount. 
I selected Pay Amount Due option to pay total amount due monthly. For my surprise, I discovered after months that the auto payment system was paying the Minimum Amount due not the total amount due. An interest charges of {$340.00} has been accumulated for 8 months. There was always enough balance in my checking account to cover my credit card due amount. When I called the BOA customer service, they informed me that there is no difference between pay amount due and pay minimum amount due options and both of them will pay the minimum amount due!! 
When I asked them to refund the interest charges, they didn't approve it. 
Unlike in my other account at XXXX XXXX XXXX, the auto pay system has 3 options only ; Minimum Payment - Statement Balance - Fixed Amount. They don't have the misleading due amount option. 
When I XXXX the internet with " bank of america amount due confusion '' phrase, I discovered that It was not only me who got confused by this misleading option. Actually, there are many complaints against BOA on websites like XXXX, XXXX and others regarding the misleading amount due option. Some of the complaints claim that BOA is intentionally confusing customers to profit from interest charges. In addition, there is a lawsuit XXXX v. Bank of America, N.A filed on XXXX XXXX in NJ for exactly the same reason.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

It has been over 30 days that XXXX  has not made any written statement why they are keeping an duplicate account on my credit report. Account number XXXX fell off my account over 7 years ago. The furnisher Portillo Recover has violated the Fair Reporting Act. XXXX  by law has to show me the original date the account was removed from my credit report. XXXX does not have a credit card with XXXX XXXX. Portfolio Recovery Service to remove their name and account off all credit reporting agency in my name.
Consumer complaint received 2023-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, three unauthorized XXXX transactions totaling {$9800.00} occurred. I reported it to Bank of America within one day. The funds were taken fraudulently without my knowledge or consent. The bank investigated and denied my claim. They said I had to prove the fraud, in violation of the Electronic Funds Transfer Act, Regulation E. I subsequently sent a Demand Letter to the bank manager with no response.
Consumer complaint received 2021-06-10
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: EQUIFAX, INC. (TX)

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy, 15 USC 1681a ( 2 ) ( B ) and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose.The company has not responded within 30 days. I would not be going through an FTC report if this was not an error. This is my last step before considering legal action. Please block and remove them immediately : XXXX XXXX : XX/XX/2021 XXXX {$18000.00} XXXX XXXX {$740.00} XXXX {$520.00} US DEPT ED {$1400.00} US DEPT ED {$6600.00} XXXX XXXX {$550.00} XXXX XXXX XXXX {$46000.00} ( Original Creditor : ) {$110.00} ( Original Creditor : ) {$60.00}
Consumer complaint received 2020-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$360.00}, {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.
Consumer complaint received 2023-03-27
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. (IL)

THERE ARE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NY)

I have tried for months to get a lower monthly payment through sallie mae. Ive been on hold for 30 minutes, hung up on, and told i wasnt approved for any type of help. I currently pay {$1000.00} a month. I make roughly {$2600.00} a month and can not afford that rate. They refuse to help in any way
Consumer complaint received 2020-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (FL)

XX/XX/20 - A fraudulent XXXX account was set up from mine and my sons account and there was a transfer to XXXX XXXX for {$980.00}. PNC told me that this was initially denied and someone called in to find out why and they were verified and it was approved. 
XX/XX/20 - There were several other fraudulent transactions at stores that were all refunded back after submitting a fraud dispute at my local branch. 
XX/XX/20 - Submitted an escalation request at my local branch because the {$980.00} was not refunded. XXXX said that the transaction was verified. 
XX/XX/20 - Spoke to XXXX XXXX with PNC and she was going to get more details on the transaction. 
XX/XX/20 - Spoke to XXXX with PNC as I hadn't heard from XXXX. He did tell me that the account for XXXX XXXX was flagged as fraudulent and he said I should submit a dispute with XXXX and he transferred me to XXXX. 
XX/XX/20 - XXXX said that I can not submit a dispute with them, only through PNC. 
XX/XX/20 - Left message for XXXX. 
XX/XX/20 - XXXX called back and asked that my son call for her to do a voice comparison with the recording of the verification. My son called her 3 times and left messages and she never returned his call. 
XX/XX/20 - Spoke to XXXX with PNC and he put in for another escalation. 
XX/XX/20 - Spoke to XXXX with PNC and he verified that it was my son 's phone number that must have been spoofed to gain the approval for the transaction. 

I have asked several times to get a copy of the phone call that was received to verify the transaction and was told that I will need to subpoena them for the records. I emailed XXXX back in XXXX to ask where to send the subpoena and hadn't heard anything back from him.
Consumer complaint received 2023-03-27
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. (AL)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 2020-06-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$360.00}, {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

On XX/XX/2023, Resurgent Capital Services L.P responded to the original complaint on this alleged debt. Resurgent stated : " Resurgent does not condone harassment or unprofessional communication with customers, as it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the Account, we found no evidence of the mishandlings alleged in the inquiry. '' They stated it's their goal, not that they dont make mistakes regarding compliance with federal laws ( FDPCA ) and regulations. Let me be clear Resurgent sent my father an email regarding hearsay information on this alleged debt. Also, may I point out this was before I received the 1692G letter on this alleged debt in the mail. Resurgent Capital Services L.P and LVNV Funding LLC are violating federal law. It clearly states this is a violation under 15 U.S. Code 1692C ( B ). Resurgent clearly states in their privacy notice that they do not share information with third parties. Resurgent & LVNV Funding LLC is clearly violating their own privacy notice regarding federal law. I demand Resurgent to explain their investigation process. I demand Resurgent and LVNV Funding LLC to close this account within their offices, I demand Resurgent & LVNV Funding LLC to cease collection activity on this alleged debt, and Resurgent & LVNV Funding LLC shall not report to any credit agencies. If Resurgent and LVNV Funding LLC does not comply with the information above I will fully enforce 15 U.S. Code 1692k. I will not be harassed, my family will not be harassed, and I will not do business with either Resurgent or LVNV Funding LLC that I did not consent to on an alleged debt.
Consumer complaint received 2023-03-27
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. (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 XXXX  # XXXX, XXXX # XXXX, XXXX BANK # 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 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 2019-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (FL)

I deposited a check that was an employment fraud, the company from where the check came from had their bank and detective alert all banks nationwide corporate to small banks to turn the check away and not deposit the money and call authorities. Wells Fargo is refusing to dispute it or refund me the money, the branch I went to is also refusing knowing there was an alert and not to deposit the check and call authorities. I am at negative XXXX balance which they say I have to pay, I do not agree when they should have worked more diligently and caught it was a scam before I was turned into the victim. they should have seen the alert or read it before even depositing the check which they never should have done. I was told by the detective and the company name on the check and their bank, Wells Fargo received that alert and they should dispute it and refund me immediately, which Wells Fargo again is refusing to do so.