davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX : Account numbers still varies even after 1st investigation between the bureaus Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the followng circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term consumer report include ( A ) Subject to section 16815-3 of this title, any. ( ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report and or this account as it has not been properly investigated and this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692 G violations 4.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I received a call on Friday XX/XX/2022 from Capital One Fraud Department reporting that a credit card application was submitted in my name. The Fraud Deparment was calling to investigate whether or not I had attempted to submit an application. I had not requested a credit card nor do I have a credit card with CapitalOne. 

On Monday, XX/XX/2022, I called the Fraud Department to report the fraudulent activity and was assured by the representative that the matter would be marked as " fraud '' and the application denied.
Consumer complaint received 2023-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

I received a bill from you on [ XXXX ] and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ XXXX XXXX ], but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Consumer complaint received 2023-06-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC. (TX)

Over the past few days there has been violations of The Federal Equal Credit Opportunity Act which specifically prohibits a creditor from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding a contact ) because all or part of the applicants income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. 

I have been contacted, harassed, intimidated, withheld my right to login into my Santander Account on http : //myaccount.santanderconsumerusa.com/ on Friday, XX/XX/2023, and then was called at XXXX XXXX. ( CT ) today, Sunday XX/XX/2023 while I was literally in Church. Worst of all, the intimidation, targeting, harassing phone calls etc. have actually happened after my phone call made XX/XX/2023, in which I mentioned my faith and that I had even prayed about the decision. Since that time I have been harassed multiple times and intimidated by Santander. Again, this is after I had mentioned my Faith and prayed about the decision XX/XX/2023 to Santander. 
This is in direct violation of The Federal Equal Credit Opportunity Act and is intentional and deliberate by Santander, Consumer Financial Protection Bureau. Please take authoritative, prosecutorial, and protective action immediately! I have rights.This is illegal, and it is predatory Consumer Financial Protection Bureau. I am afraid because I am a minority, and being bullied and exploited by my creditor because I mentioned my faith Consumer Financial Protection Bureau. I beg you to protect me and help; please.
Consumer complaint received 2023-06-16
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. (VA)

In accordance with the Fair credit Reporting Act, 15 USC 1681i ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of list accounts below inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  hard inquires
Consumer complaint received 2022-08-08
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. (CT)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report.

Failure to do so is a violation of my rights.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (KY)

From XX/XX/XXXX to currently I've had XXXX disputes XXXX but each dispute had XXXX to XXXX merchants from make a to XX/XX/XXXX. But rmmmmm says that I was never asked for any help or give it any money back for the money that was taken. Ever dispute that I made I never received a provisional credit but I was denied now that I have the information that proves I'm innocent they still want to. Issue me and put it right away. I still if you used to give me anything back. That would help me financially after but for me I know that I was. Innocent of using the money that somebody stole my identity.
Consumer complaint received 2023-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

When I purchase my home in XXXX in XXXX, GA. I had to pay for Private Mortgage Insurance ( PMI ). My mortgage was with XXXXXXXX XXXX then transferred to Ameris Bank. My mortgage was current and also late at various periods in time. I had repeatedly irequested the removal of PMI from my mortgage. I was told the mortgage has to be current for 24 months for the PMI to be removed. My loan to value on the property had fallen below the required 78 or 80 percent. Once the mortgage was current for 24 months I made another request for the PMI removal. I was then told I had to wait 36 months for the PMI to be removed. I then searched online for the PMI requirements. I discovered that Ameris Bank had been falsely charging me monthly fees for the PMI Insurance for 12-24 months. I submitted the PMI documents and requested a removal of the PMI fee each month and a refund. My requests have been in writing to Ameris Bank. I keep getting different explanations each time I speak with their representatives. I am seeking a refund of {$3100.00} plus for their scam.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I received an updated report ( Exhibit 1 ) prepared XX/XX/ with Consumer ID XXXX by Early Warning Services LLC that contains my personally identifiable information that has been gathered and has misused and has contributed toward deprivation of rights and misappropriation of my personal property as a result of the information collected without my written consent. I hereby submit this complaint as a federally protected consumer pursuant to the Fair Credit Reporting Act, Fair Trade Commission Act, Sherman Act and the Graham Leach Bailey Act against the authorized officers, XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) of Early Warnings Services LLC for their participation in conspiracy, unfair and deceptive practice resulting in the illegal restraint of trade, the defamation of character and slanderous hearsay information in consumer reports that resulted in the deprivation of my right to an an account by XXXX XXXX XXXX ( Exhibit 2 ). 
Based on the foregoing, I believe I have targeted on account of race and national origin ( see credentials attached/US passport XXXX and denied a right I am entitled to exercise without good cause shown. I been made the victim of identity theft and what appears to be an data breach for which I am making this complaint against Early Warnings as dispute of unverifiable information and unauthorized reporting of my non-public Personally identifiable information as identity theft, misappropriation, unauthorized use and racketeering activity by Early Warnings. 
Notice to Early Warning Services LLC, I revoke any and all consent to any communication by use of XXXX XXXX and/or electronic agents and demand a response from an authorized officer I have notified Early Warning Services LLC of my right of consumer privacy and Early Warning Services LLC by aggravated identity theft has deliberated encroached upon my right of privacy by an act of XXXX XXXX. I have instructed Early Warnings to promptly Cease and desist the unauthorized use and to exclude from the report information solely as to transactions or experiences between me the consumer and the person ( s ) making the report and to also exclude any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card ( social security card ) or similar device ( social security account number ). Early Warnings has disregarded my permissible written instructions has instead sent me an unauthorized updated report as evidence of identity theft by compelled disclosure of my social security account number. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. I revoke any and all consent by Early Warnings Services, LLC and its affiliates heirs and assigns all use of my personally identifiable information.
Consumer complaint received 2021-10-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Lima One Capital, LLC (AZ)

Lender/ Serving Department of loan is not providing mortgage statements since XX/XX/2021 and their representative is constantly giving incorrect information. After emailing more than 20 times and trying to call over the last 3 months I am still getting nowhere with the lender.

1. My payment for XXXX and XX/XX/2021 is showing no payment due in the lender system. 
2. I can not access my XX/XX/2021 and XX/XX/2021 mortgage statements. 
3. I reached out to the lender to get information about my loan balance for no additional information was provided other than showing in the system. 
4. On XX/XX/2021, I received an email from the lender that I have no payment due for XXXX. 
5. On XX/XX/XXXX I received an email from the lender stating my first payment was due XX/XX/XXXX from the same representative. 
6. No-One is calling me back or the lender repentative declined to connect to their manager or supervisor.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (FL)

XXXX Claim number. 

I requested my card be closed. I have not received any information on if the dispute is taken care of. I did receive a letter from Commenity Bank with charges of XXXX late charge and interest charges. Now the total bill is XXXX. They also added all the Credit Bureaus at the bottom. This I take is a threat. Is this really a bank??? I have never delt with any banks like this. I finally read all their reviews and they are the worst company How can I get thru and talk to someone that can handle this? I have talked to them so many times after a wait of 1 hr or more. I ask for a supervisor they put on someone that knows NOTHING!! How can I deal with people like this? Should I get an attorney? Please advise! 








1
Consumer complaint received 2022-08-10
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX 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 an account without my written consent.
Consumer complaint received 2022-08-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX are not in compliance with FCRA. They are reporting two debts on my TransUnion credit report that are incorrect. They are incorrectly reporting the " date of first delinquency ''. I have made multiple attempts to correct this problem with XXXX XXXX TransUnion. For both accounts the First date of delinquency is sometime in the year XXXX. They are telling me that XXXX & XXXX of XXXX is when they purchased the debt, and that's the date they are going to report. They said they haven't updated the report since XXXX of XXXX. This incorrect reporting has been affecting my career and ability to make consumer purchases. 
!
Consumer complaint received 2021-04-15
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: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

This consumer 's complaint is in regards to unlawful credit data sharing. Pursuant to Equifax 's Data sharing policy, the consumer has never provided Equifax with consent to share credit data and as a result demands the following accounts to be removed XXXX XXXX XXXX XXXX XX/XX/XXXX Open Balance {$900.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Reported balance {$35000.00} XXXX - XXXX  - XX/XX/XXXX Reported balance {$480.00}
Consumer complaint received 2022-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX {$100.00} was transmitted to me via VENMO. I transferred the money without difficulty to a bank card. 

On XX/XX/XXXX {$100.00} was transmitted to me via VENMO. When I attempted to transfer the money to a bank card, I was unable to ( and continue to be unable to ) because VENMO froze my account. 

As of today, XX/XX/XXXX ( 10 days ), I have communicated with them every few days via email, the only way to contact them in case of a frozen account. Following are the issues I have with VENMO : - I have repeatedly asked VENMO via email to describe precisely why my account was frozen which has not yet been provided in any shape or form. 
-My money has now been unavailable to me for 10 days ; and I am in desperate financial straights. 
- I submitted a requested document ( a valid ID ) to them per their request and yet nothing has been resolved. 
-VENMO has published that their response may take as long as three weeks, which is outrageous.

As far as I am concerned they are essentially " stealing '' my money by freezing my account, perhaps to cover some financial distress they are experiencing. I have followed all VENMO instructions and reviewed all help content they have identified, none of it is of any value so far for informing why my account is frozen, what I can do to unfreeze it or the unethical, harmful long duration to their supposed resolution of my problem will take.
Consumer complaint received 2023-07-01
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. (NY)

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 2022-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On or about XX/XX/XXXX I initiated a transfer from Bank America to XXXX XXXX in the name of XXXX XXXX XXXX. XXXX XXXX XXXX is a company set up with partners to buy additional apartments in a XXXX building that will be rented out for income. It is incorporated in XXXX. I mostly send wire transfers for various reason from XXXX XXXX and have never run into a problem. Any way I did this on line with the help of a Bank America associate on the phone to guide me. =They charge an additional XXXX for same day transfers which was fine. days go buy and my partner is wondering where the money is. I call Bank America and ask and they say it is under review. I called them they never called me. I tell them to cancel the wire transfer and I go into my branch take out a cashiers check for the XXXX and hand walk it to XXXX where it needed to be. Again I tell them to make sure the transfer is cancelled and they tell me it reflects that. 
several days later they put a hold on my account for the amount of the transfer even though I physically removed the money days before and I am still showing a negative balance of XXXX. I cant pay my bills and I have gone into my branch to complain and called several departments only for the to tell me that its still under review I explain over and over to please cancel it and take the hold off of my account as I don't need the transfer that they failed to do. They will not do so till the review is over that i don't need. 
I ask them when will you stop the hold and they say they have no answer and there is no one to talk to. when I asked them why it didn't go through they said that maybe because the name XXXX is in the company name. ( Again the name printed on the building 50 years ago. I tell them there is no affiliation or business with XXXX XXXX and all they need to do is to go online and see that-its a XXXX  corporation. There are laterally a thousand companies in the US that may have that in there name. At he time of this complaint they still will not take the hold off of my account. They will not provide me with a time or a way to pay my bills.
Consumer complaint received 2022-04-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (TX)

I never received any communication on this debt collection account until it appeared on my credit report. I have no knowledge of this account or where it came from. 

Vance & Huffman LLC XXXX Date Opened XX/XX/2022 {$880.00}
Consumer complaint received 2024-11-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SECURITY SERVICE FEDERAL CREDIT UNION (CA)

XX/XX/year>, Received several emails from Security Services Federal Credit Union with regards to the opening on an bank acount in my name. Including DocuSign emails with my electronic signature, ACH form, disclosure forms and the oriignal email was a confirmatin my application process. These documents had my SsN, DOB and mailing address. The bank is in XXXX XXXX TX which I never lives as I have only lived in XXXX California. I spoke to the institutions fraud dept and request the account to be closed as it was not opened by me. One of of the documents included a TX DL #. I placed a freeze with all 3 credit bureau and with XXXX.
Consumer complaint received 2022-08-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CCF Intermediate Holdings LLC (NE)

Went online to obtain a payday loan or installment loan. People are representing themselves as Speedy Cash out of XXXX, GA. I called fraud people at Speedy Cash in XXXX, GA  and they don't offer any services in Nebraska  where I'm at and my name or SS # didn't appear on their accounting system. 

I've also contacted my bank of the money deposited as being fraud as well. I am working with them on phone as I type this letter. Amount of money was {$990.00} on XX/XX/22 to XXXX ( XXXX XXXX XXXX XXXX XXXX ). XXXX Imposters names and phone number posing as banking lenders for Speedy Cash in XXXX, GA ( both are VoiP phones ) XXXX XXXX XXXX XXXX XXXX XXXX