davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (VA)

I applied for a Home Depot credit card through citibank online and used my card in store with my ID in XX/XX/XXXX. I tried to get an increase so that I was able to purchase an oven but citibank refused and stated i needed to verify my identity which i did with the rep that I was sitting in front of in the store. The rep on the phone proceeded to tell me that my phone has to be in my name in order for them to text me and verify me. My phone is in my business name. Everyone does not have their phone in their name for various reasons so how dare them. So, I've received my card in the mail, various coupons but no letter from citibank. These people have continuously lied to me about sending correspondense and saying they will call my phone and they never do. They are intentionally sabotaging me. I have connected my bank account to my home depot card and even paid my first bill but they didn't stop that now did they. They took my money perfectly fine. I have verified my identity with several reps at Home Depot and they said that is not good enough. Then today XX/XX/XXXX a representative proceeds to tell me that they will send the XXXX letter to my address, not what i signed up with but the XXXX has. Excuse me, my address is listed on my credit report. This has been nothing but harrassment for a measly {$500.00} credit limit. This is the worst card ever and I do not recommend any one apply for this card.
Consumer complaint received 2022-06-13
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: Westlake Services, LLC (GA)

I never communicated with Westlake Service Inc. on XX/XX/2022 and provided any of my personal information ( violation of 18 USC 1028 and 18 USC 1029 ).
Consumer complaint received 2022-06-13
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: American Credit Acceptance, LLC (GA)

I never communicated with XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/2022, XX/XX/2022 or XX/XX/2022, American Credit Acceptance on XX/XX/2022 or XX/XX/2022, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on XX/XX/2022 ( violation of 15 USC 1028 and 15 USC 1029 ).
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account 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.
Consumer complaint received 2022-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Solutions, Inc. (KS)

First contact with debt collector was XX/XX/XXXX. Received XXXX letter dated XX/XX/XXXX. This is the first and only written communication the company has made. The letter is missing the following information : 1. a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector 2. a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (SC)

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 # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 states : 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, have violated my rights. 15 U.S.C 1681 ( section 602 A ) States I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( 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 ( they may only report crimes, not debts ) which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have repeatedly asked Experian to please send me validation of said acct ; XXXX XXXX XXXX- I do not have nor have I ever had any business w/XXXX XXXX XXXX  - Additionally, I have requested they provide the name, address, and telephone number of each person contacted regarding this alleged acct. 
along with a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

I have requested that any automated response or e-Oscar verification is unacceptable. 
I have asked for a reinvestigation AND their Method of Verification several times. I am/have made a final goodwill attempt to have Experian clear up this matter. 
The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I have advised them that I will be reporting them to the Consumer Financial Protection Bureau and the Attorney Generals office. 
They continue to be NON-COMPLAINANT according to the FCRA sections 603, 604, 609, 611, and 623, BY SENDING MY THE SAME AUTOMATED RESPONSE : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).

My Next and only recourse is to file a Civil Penalty Claim for their willful non-compliance.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (OR)

On XXXX I opened a Savings account with XXXXXXXX XXXX XXXX adding to the Checking account I have held with them since XXXX Without warning or clear explanation, my Savings account was locked and access to my funds restricted. 

Despite my proactive efforts to resolve this situation, including reaching out to customer service on XXXX  the bank has failed to provide a valid reason for these actions. Instead, I was informed that the review process could extend to a period of between 15 to 30 business days. Additionally, I was told it could take up to 7 business days to receive a letter providing further information regarding the review of my account. 

This unexpected restriction has put me in a precarious financial position. The inability to access my own funds for such an extended period is disruptive to my financial planning. The limited information and inadequate assistance from the bank further exacerbate the situation. The timelines given for both the review process and subsequent communication appear excessively long, contributing to unnecessary hardship for me as a customer. 

I hereby request the intervention of the Consumer Financial Protection Bureau in this matter. I hope your involvement will expedite the review process and ensure that my rights as a consumer are upheld. I eagerly anticipate a swift and favorable resolution to this issue. 

My aim in submitting this complaint is not only to seek resolution for my situation but also to contribute to the prevention of similar incidents in the future. It is essential that our banking system operate in a manner that is customer-friendly, transparent, and fair. 

Thank you for your attention and support in this matter.
Consumer complaint received 2018-10-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

I contact XXXX to help counselor me with process and they forwarded it to Penny Mac. I followed up with Penny MAC on Monday was told they have paperwork for XXXX was put on hold briefly a different pert came on call I was then told they I need to follow there instructions and they was accepting paperwork for XXXX that I need to do it directly. Im having problem with payment because I have been sick for several months and cant make payment. Before this made it to this point I reached out to Penny MAC for help they say I was current and they couldnt help but I was telling them I been ill for awhile but still had cash to make payment
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX 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.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have two major issues with my Bank of America small business checking account. 

1 ) The bank has repeatedly violated Dodd-Frank Act regulations to charge my account OD fees ranging from {$10.00} to {$35.00} over a 3 month period for balances < {$10.00}. This problem did not occur when I had similar accounts at other banks. 

2 ) I had wired transferred {$200.00} to a XXXX XXXX XXXX of XXXX XXXX, XXXX, XXXX on XX/XX/2022. Shortly after that I contacted Bank of America to recall the funds. It has been over 2 months and both Bank of America as well as XXXX  XXXX XXXX, XXXX ( recipient 's bank ) claim that the funds can not be taken out of XXXX 's account without his permission. Why not. It is my money after all. XXXX 's Bank XXXX XXXX account # is : XXXX. Bank of America Tracking # for the transaction is : XXXX. My XXXX XXXX, NJ, branch 's Relationship Banker claims that he can not do anything but wait for a response from the Fraud Department at Bank of America. This transaction has hurt my relationship with Bank of America because when I recalled my funds, my company needed the money. We have overcome that hurdle but my question to you is why has a so called " to big to fail '' bank failed in this recall effort. How many customers such as I have they failed in cross border dealings? Please see attached.
Consumer complaint received 2023-05-19
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I CALLED THE CREDIT REPORTING AGENCIES AND LET THEM KNOW THE INQUIRIES IN THE DOCUMENT INCLUDED BELOW ARE NOT SUPPOSED TO BE VISIBLE ON MY CONSUMER REPORT. I NEVER GAVE THEM WRITTEN CONSENT TO REPORT THEM. THESE INQUIRES WERE NOT AUTHORIZED BY ME AT ALL. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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
Consumer complaint received 2022-07-16
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. (NY)

In accordance with the Fair Credit Reporting Act 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. 

XXXX. ) Collections : XXXX XXXX XXXX account # XXXX open date XX/XX/XXXX amount of {$780.00} XXXX. ) Collections : XXXX XXXX account # XXXX open date XX/XX/XXXX amount of {$290.00} XXXX. ) Collections : XXXX. XXXX XXXX account # XXXX open date XX/XX/XXXX amount of {$630.00}
Consumer complaint received 2022-07-16
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 XX/XX/2022, I sent off certified letters to the three credit bureaus asking them to properly investigate my credit profile. I asked Experian, XXXX and XXXX to do a proper investigation and remove any items and accounts that were inaccurate or had errors. After their investigations, some accounts with errors were removed from one agency while remaining on other agencies. The accounts that remained were sent back to me stating that they were " updated/verified '' but the inaccuracies and errors still remained on those accounts. I have the right to correct information or otherwise have those accounts with error be removed from my credit profile according to the FCRA. 

15 U.S.C. Sec. 1681i ( a ) says that if you cant provide proof, then the accounts must be deleted. I want the accounts deleted if theyre not 100 percent right, accurate and correct. 

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 XXXX 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. 


I will attach my letters that were asking for a proper investigation and I will attach the responses of the credit agencies.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint Filing Claim for Legal and lawful remedy I am writing to file a complaint regarding inaccurate and misleading information on my credit report, in accordance with consumer protection regulations and the relevant provisions outlined in the Consumer Financial Protection Bureau ( CFPB ) rules and United States codes. 

I have obtained a copy of my credit report from your bureau, dated [ date of credit report ]. Upon careful review, I have identified multiple errors and discrepancies that are negatively impacting my creditworthiness. I request your immediate attention and assistance in rectifying the following issues : 1. [ reporting errors. ] 15 usc 1681s-2. 

This error violates the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ) that states that credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of the information in their credit report.

2. [ reported incorrect information. ] This error also violates the FCRA and the CFPB Regulation V ( 12 CFR 1022.43 ), which requires accurate reporting and investigation of disputed information. 

I demand the following actions to be taken promptly to rectify these errors and restore the accuracy of my credit report : 1. Conduct a thorough investigation into each disputed item and promptly correct or remove any inaccurate or unverifiable information from my credit report, as required by FCRA Section 611 ( a ) ( 1 ) ( A ).

2. Provide me with written notification of the results of the investigation, including any changes made to my credit report, within the statutory time frame of 30 days, as stipulated in FCRA Section 611 ( a ) ( 1 ) ( C ).

3. Cease the reporting of any disputed information to third parties while the investigation is ongoing, in compliance with FCRA Section 611 ( a ) ( 2 ).

4. Update my credit report to accurately reflect the changes made as a result of the investigation, as mandated by FCRA Section 611 ( a ) ( 2 ) ( B ).

Failure to comply with the aforementioned provisions of the FCRA and CFPB regulations may result in legal action and damages sought under FCRA Section 616 and Section 617.

I kindly request your prompt attention to this matter. Please provide me with a written response acknowledging the receipt of this complaint within 15 days from the date of this letter. You may reach me at the contact information provided above. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution of these credit report discrepancies. 

Sincerely
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

Hello, Thanks for this opportunity. I have paid the balances on my credit cards but it's still showing the previous balance thereby causing damage to my credit history. The purpose of paying off my debts is to have a good credit scores and that's not happening. 

Please, help me out. 

Thanks XXXX XXXX XXXX
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have student loans with XXXX XXXX in which the POTUS has forgiven the loans. I have disputed the remaining loans on my credit report, but without any luck they remain there, on all 3 reports. When I look at financial aid website, they are not there so I know for sure they have been forgiven. I need this taken care of. I am a XXXX veteran, so as soon as I can get those abolished I can apply to get the rest them XXXX. I am currently trying to buy a house, but with XXXX in student loan debt on a fixed income, that is not going to happen anytime soon.