davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

On XX/XX/2018, we placed an online order for a hotub with XXXX 's XXXX. XXXX 's took the money from our account the day after the order was placed and 2 days later put the funds back into our account. Approximately 5 weeks later we attempted to obtain status of our order and were told by XXXX 's that we did not have an order because our payment did not go through in which we explained it was initially taken and then returned to our account. Based upon this, we offered to pay on the spot under the condition that we would not have to wait another 6 - 8 weeks and we were told that was not possible. We therefore received written confirmation from both XXXX 's XXXX and the 3rd party vendor who manufactures the hot tub that our order was indeed cancelled. At the end of XX/XX/XXXX, XXXX 's again withdrew the {$6500.00} as payment for the hot tub that was cancelled. We disputed the charge and our money was returned to us. We have provided USAA Federal Savings bank all the documentation evidencing that the order was cancelled on 2 different occasions and received confirmation that it has been received. On Monday XX/XX/XXXX, the {$6500.00} was once again taken form our account over drafting the account approximately {$4000.00}. The money was taken a full 10 days prior to the deadline issued by USAA and the documentation to evident the order cancelled has been confirmed received by USAA. We have repeatedly requested immediate resolution to this matter since it was their error and no one has been able to return the money to our account. We are asking that this be rectified and would like to know our consumer rights for damages.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (TN)

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( 'FCRA '' ) codified at 15 U.S.C 16186 ( 0 ) 3 ( 000. Chesterv. Purvis, 260 F. sup 28711 ( S.D Ind.2003 )
Consumer complaint received 2022-07-29
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. (CA)

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

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

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-18
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: Fidelity National Information Services, Inc. (FNIS) (UT)

Chex systems sent a notice by mail that an inquiry was ran on my consumer profile without my consent as my consumer profile has a freeze since 2017. I need explanation who ran the inquiry and for immediate removal of the inquiry.
Consumer complaint received 2022-07-31
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: JPMORGAN CHASE & CO. (NY)

These inquiries were NOT authorized. 

JPMCB CARD Date of Inquiry : XXXX XXXX, XXXX JPMCB CARD Date of Inquiry : XX/XX/XXXX JPMCB CARD Date of Inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2018-10-02
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. (VA)

ON XX/XX/2017 XXXX XXXX XXXX XXXX PLACED AN ACCOUNT ON MY CREDIT REPORT.  I FOUND OUT THAT IT IS ILLEGAL FOR XXXX XXXX TO OPERATE IN MY STATE AFTER THEY DEBTED MY CHECKING ACCOUNT WITHOUT CONSENT ON XX/XX/XXXX. IN ADDITION THEIR COLLECTION AGENCY XXXX ALSO CANNOT OPERATE LEGALLY IN MY STATE ACCORDING TO THE CODE IN MY STATE OF VIRGINIA va 6.2-1501 AND va 6.2-1541.  I DO NOT PLAN TO PAY XXXX XXXX  ANYMORE FUNDS AS I HAVE PAID XXXX EVERY MONTH FOR FIVE MONTHS; WHICH COVERED THE PRINCIPAL OF THE LOAN.
FUTHERMORE AFTER REACHING OUT TO XXXX XXXX TO REVOKE THE ACH DRAFTS FROM MY ACCOUNT  AND RECIEVING CONFIRMATION VIA EMAIL THAT THEY WOULD CEASE DRAFTS, THEY CONTINUED TO MAKE ANOTHER DRAFT FROM MY ACCOUNT CAUSING OVERDRAFT FEES AND STOP PAYMENT FEES.
Consumer complaint received 2022-07-31
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. (DE)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-18
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. (WI)

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 XXXXXXXX XXXX XXXX Account number : XXXX. 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 2023-04-28
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. (NV)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have the right to privacy. 15 U.S. Code 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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. 

The dates and companies listed below have violated my rights on the dates listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I was notified through various reporting systems that someone attempted to open several credit cards under my information last night. They each appeared on the Experian reporting. I went to review this on their site, but the individual accessed my Experian account and changed my log-in as well as the e-mail address in my profile used to request a new password. So ... I can not log-in to the Experian site to submit a fraud report. I called into their company and spoke with 3 different people on the topic. I made it VERY clear as to what the problem was. 1. Someone has accessed my personal information and is attempting to open accounts under my name 2. The same person has accessed my Experian account and has modified my log-in so I can no longer recover it. NONE of the people were able to help me. One even told me that my account was locked for XXXX hours and I couldn't do anything until that expired. So that means the CRIMINAL could still access my account but I couldn't!?!?!!? The woman then told me that my profile would be " deleted '' and I would be able to create a new account. Well that did not happen either. It shows that my social security number is tied to a XXXX account... .which is NOT my e-mail. Zero help... very sad process and they do NOT care about your persona information as they say. Also as I was told there was a " freeze '' on my account ... .I just received another notification that someone just did another hard inquiry on my credit!?!?!?! I feel extremely vulnerable and angry that this is the level of assistance I was provided!!!
Consumer complaint received 2022-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of identity to the federal trade commission and i also have enclosed copies of the federal trade commisions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently, I did an investigation on my credit report and found an Inquiry on there to be inaccurate.

Under 15 U.S. Code 1681e ( B ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverified information ( A ) In general if, any reinvestigation under paragraph ( 1 ) of information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified by the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information and the information has been modified or deleted from the file of the consumer. 
Please removed the following item from my credit report, immediately INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Corporation of America (NJ)

On XX/XX/2018 received notice/bill from Financial Corporation of America attempting to collect a false debt of {$490.00}, on behalf of a healthcare provider, for service ( s ) that I received on XX/XX/2018. Contacted my healthcare provider where services were rendered, and they have no knowledge of the debt amount nor company trying to collect! 
Called Financial Corporation on XX/XX/2018, spoke with representative " XXXX '' who could not & did not explain the charges or amount requested. I informed the rep that my services were covered & paid by my health insurance provider, and that I paid my portion/copay ( s ) of {$95.00} on XX/XX/2018. 

Financial Corporation of America are trying to collect a debt or amount that's not owed!!
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (CA)

I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX XXXXXXXX Balance {$18.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} Date opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

XX/XX/2022 : I mailed PMI removal request form with payment cheque to PHH Mortgage Services LLC. Th request form includes list of home improvements I made XX/XX/2022 : The cheque was cashed XX/XX/2022 : I called PHH for followup. No progress was made XX/XX/2022 : I called PHH for followup. PHH sent me an email asking for list of home improvements ( which I included in the request form I mailed ). I responded the same date. 
XX/XX/2022 : PHH sent me an email asking for cost of home improvements I made. I responded the same date. 
XX/XX/2022 : PHH sent me an email asking for dates of home improvements I made. I responded the same date. 
XX/XX/2022 : PHH told me my request is under review by PMI removal team XX/XX/2022 : I called PHH for followup. No progress was made
Consumer complaint received 2024-09-06
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. (VA)

These XXXX  loan accounts are reporting negative when it was clear that I paid them look at my previous payment history an correct it back to its original reporting if you are unable to do that remove accounts below there will be attached a complaint regarding these inaccuracies if you don't want to be held accountable for {$1000.00} per violation update them { US DEPT ED } Please block inaccurate information if your unable to update correctly remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regarding my CFPB complaint number XXXX, on date XXXX TRANSUNION claimed to have completed a proper investigation.

Pursuant to 15 USC 1681i ( 6 ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

I request the name and address of the original creditor.

I understand that written notice of the results of reinvestigation must be issued to me no later than 5 business days after the completion of your reinvestigation as described in 15 USC 1681i ( 6 ) ( A ). 

XXXX XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I have previously submitted my ID, proof of address and social security number. 

Disputed Information : Incorrect Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX EMPLOYERS : XXXX XXXX XXXX XXXX Documentation Sent : Identification, proof of address, social security number. 
Legal Foundations : According to the Fair Credit Reporting Act ( FCRA ) : Section 609 : I have the right to request verification of inaccurate information. 
Section 611 : Adequate investigation of disputed information is required. I have not received a satisfactory response.

Charge off : I am contacting you to file a formal dispute regarding several charge offs reported on my credit report. This communication seeks to rectify errors that seriously affect my credit history and that are contrary to applicable laws.

Legal Foundations Fair Credit Reporting Act ( FCRA ) : Section 602 ( a ) : The information reported must be accurate and truthful. The charge offs in my report do not meet this standard, which represents a violation of my consumer rights.

Section 609 : I have the right to request verification of any negative information. If they can not provide documentation to support these charge offs, they are required to remove them from my report.

Section 611 : Credit bureaus must conduct a thorough investigation of any disputed information. Failure to provide an appropriate response constitutes a breach of this obligation.

inquiries : I am contacting you to formally dispute several inquiries on my credit report. I request the immediate deletion of these records, as I do not acknowledge having given consent for their inclusion.

Legal Foundations Fair Credit Reporting Act ( FCRA ) : Section 604 : Inquiries must be reported only if they have been conducted with my consent. I have no evidence of having authorized any of the inquiries in question, which means their inclusion is illegal.

Section 609 : This section gives me the right to request verification of any information in my credit report. You are required to provide documentation that validates the authorization of these inquiries. Failure to respond to my verification request is a violation of my rights.Seccin 611 : 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 
Fair Debt Collection Practices Act ( FDCPA ) : Section 807 : It is illegal to report misleading information on my credit report. If charge offs are incorrect or unverifiable, their inclusion is a violation of the law.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My account has not been credited with a cash reward which, according to the offer terms, should have been credited. I applied for a Cash Management Account with Bank of America/XXXX XXXX on XX/XX/XXXX and was approved on XX/XX/XXXX. The terms of the relevant offer can be seen in the attached email ( attachment # XXXX ). I quote those terms below and briefly explain how I have met each of them./ You must enroll during account opening by entering the offer code in the online application during account opening or by providing it when speaking with a XXXX XXXX XXXX XXXX I have attached a printout from the online application screen showing that the offer code was applied ( attachment # XXXX ). / Fund your account with at least {$20000.00} in qualifying net new assets within 45 days of account opening. I funded my account with {$260000.00} in transferred assets on XX/XX/XXXX. See the attached page from my XXXX account statement ( attachment # XXXX )./ You must be enrolled in Preferred Rewards as of 90 days from meeting the funding criteria described in XXXX XXXX. I have been enrolled in Preferred Rewards since XX/XX/XXXX. See the attached screenshot with enrollment date highlighted ( attachment # XXXX )./ After 90 days from meeting the funding criteria described in XXXX XXXX, your cash reward will be determined by the qualifying net new assets in your account ( irrespective of any losses or gains due to trading or market volatility ) As I met the funding criteria on XX/XX/XXXX, adding 90 days results in a date of XX/XX/XXXX. On XX/XX/XXXX, and disregarding investment losses, my account had {$250000.00} in net new assets. See the attached page from my XXXX account statement ( attachment # XXXX ). / Your one-time cash reward will be credited to your IRA or XXXX within two weeks following the end of the 90 day period. As explained above, the 90-day period ended on XX/XX/XXXX for my account. So, the cash reward should have been credited within the following 14 days, i.e., by XX/XX/XXXX./ I have tried to resolve this issue already on several occasions : ( 1 ) I could not reach a XXXX agent by phone. I called XXXX at XXXX on XX/XX/XXXX ; was placed on hold ; and after XXXX minutes, while still on hold, was hung up on by XXXX automated system. ( 2 ) I mailed a letter on XX/XX/XXXX, containing the same information and attachments found in this complaint, sent to XXXX at XXXX XXXX XXXX XXXX, KY XXXX. I have not received a response. ( 3 ) I spoke with a BofA/XXXX  XXXX XXXX XX/XX/XXXX, who said they would reach out to the relevant people at XXXX about the issue.