davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

At the end of XX/XX/XXXX I received a promotional offer to make a balance transfer for a 0 % promotional APR until XXXX of XXXX. The terms on the promotion stated that I needed to complete the transfer by XX/XX/XXXX in order to take advantage of the promotion ; this promotion also included a fee which I was aware of at the moment of the Balance Transfer. 
I completed the balance transfer on XX/XX/XXXX in the amount of XXXX with its respective fee of XXXX the total balance that should be in the promotional rate as I understood it was : XXXX + XXXX = XXXX. According to the FAQ interest should not be charged as long as I payed the entire purchase balance in full. Additionally it explains how the payments are allocated, stating that the minimum payment amount will be applied to the lowest rate balance. If payments are made for more than the minimum, the additional amount will be applied to your higher rate balances. 
I received my first statement after the balance transfer on XX/XX/XXXX and called Customer Service as it did not reflect the correct amount that should be under a 0 % promotional Balance Transfer, instead of showing XXXX it showed only XXXX which seems to be a random amount. When I spoke to a representative she was unable to explain why this random amount was showing on my statement and, in addition, I took the opportunity to confirm that the allocations of my payments would be as follows : 1 ) minimum payment amount would be applied to the lowest interest balance ( Balance Transfer Balance ), 2 ) amount in addition to the minimum payment would be applied towards the purchases balance ( highest interest rate ) and if I covered the entirety of my purchases balance for the time period, the remaining amount, if any would be applied back to the Balance Transfer Balance ( lowest interest rate ). 
This has not been the case, and I have spoken with Bank of America XXXXtwo more times right after my statement was generated in XX/XX/XXXX and now in XX/XX/XXXX as I was charged interest that should not be there. Both times, the representatives have agreed with me that no interest should be charged on the card. They have not been able to escalate or resolve this problem, this is why I am entering this complaint. 
With this said, my payments are always enough to cover the minimum payment plus the entire amount of purchases made during the cycle period and then about XXXX more ( XXXX in XXXX ). 
If this is the way the interest is calculated during promotional offers, this means, in my particular case as a customer who pays the full balance every month, that I will start paying interest on balances that, had I not taken the promotional offer, would have been interest free. This seems to be a deceptive practice to make money out of a customer who pays his cycle 's purchase balances in full in addition to already charging a fee for a BT.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I have reached out to the three credit bureaus. XXXX, Experian and XXXX because I saw some address that is on my Personal information I am not familiar with or have no knowledge of. This is frighten to me because I I think I may be victim of Identity theft additionally. I do no want anyone else information posting my account or I don't know if the Credit Bureaus are just reporting whatever they will like.. ALSO I SENT EACH WITH DELIVERY CONFIRMATION TO EACH BREAUS IN WHICH THEY RESONDED 40 DAYS LATTER.
Consumer complaint received 2022-08-06
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. (VA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2022-08-06
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2022-08-06
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP (FL)

Please see the attached 4 documents recorded in different county Court records across Florida, initiated by XXXX XXXX XXXX, a supervisor of US Bank, in XXXX XXXX, WI. 
All contain robo-signatures to pull the document out of the XXXX 
XXXX XXXX XXXX presented " herself '' twice on one document as a US Bank employee requesting the document AND on the other end as a XXXX  employee/witness. 
This is the FIRST step the perpetrators take in a series of action to take total control of property that does not belong to them, they haven't secured an interest in or paid value for. 
US Bank is a " front '' for investors. 
It's not a bank. 
It's not a servicer of mortgages. 
It sends out " misrepresentations '' electronically generated to victims to make them believe a mortgage and debt exists when it does not.
Consumer complaint received 2022-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo authentication is terrible. 

Their " 2-step verification '' has three settings : " On '', " On except if I'm using the app '', and " Off ''. If it's " On '' or " On except if I'm using the app '', there's no way to prevent an attacker with your password from using the SMS option and reading your text messages to break into your account ( since text messages are relatively easy to crack ). 

Not only that, but there are lots of stories on the internet about people getting their accounts stolen by people social engineering Wells Fargo support staff, which is an even easier way for someone to get your money. 

This makes Wells Fargo my least secure important online account.
Consumer complaint received 2022-08-06
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. (NC)

I am a protected consumer and natural person In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

Regarding alleged account # XXXX XXXX XXXX XXXX, XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-06
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-06
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account : 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 2022-08-09
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: Home Loan Center, Inc. (FL)

On XX/XX/XXXX, I was going through Auto Loan options through pre approvals/match on lendingtree where I did not even provide my full SSN. A few minutes later, I got a Hard Inquiry from XXXX XXXX  on my report. I immediately called them and the representative on the phone told me that they can not remove the inquiry but can only notate the account that it was unauthorized. They stated that I should call the credit bureau and dispute it with them. When I called XXXX, the rep there suggested I reach out to CFPB and file a complaint.
Consumer complaint received 2022-08-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Dear Manager XXXX XXXX HSBC US, I wish and hope you can help me out of my present financial crisis situation, as XXXX XXXX HSBC XXXX transferred XXXX to XXXX Account. So I request you to help to contact XXXX  XXXX to transfer next time directly to my account instead of XXXX, And verify if XXXX XXXX is legitimate. 
And how can I claim XXXX back to me, and do I have to pay a fee to receive that amount when it is seperately from The US federal government funds, why will I have to pay {$200.00} fee why it won't be transferred immediately when I'm the beneficiary to request that funds in urgence? 
So please reply and explain me know. I'm not a victim of any scam this XXXX is my estate. 
Thank you, XXXX XXXX XXXX : I'm looking forward to hearing from you.
Consumer complaint received 2022-08-06
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, violated my rights, including reported inaccuracies to each of the three major credit bureaus. 

Pursuant to15 U.S.C. 1681 Sec. 602A, states I have the right to privacy.

In addition to, 15 U.S.C. 1681 Sec 604A Sec 2, also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-08-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (TX)

On XX/XX/XXXX, I received a notification from my XXXX credit monitoring service, that NATIONWIDE RECOVERY SYS reported a new collection account to my credit report ; Date Opened XX/XX/XXXX, XXXX for the amount of {$120.00} ( Original Creditor : XXXX XXXX XXXX ) I have not been provided validation or notification of this debt. I have no knowledge of this account. I have never done Buissness with XXXX XXXX XXXXXXXX, which when I XXXX turned out to be closed since XX/XX/XXXX, also this specific hospital is owned by XXXX XXXX Which had multiple charges of fraud toward investors and patients ; I have never done business with nor received any communication or written notices from Nationwide Recovery Systems. This is a violation of my rights under Section 809 ( a ) for failure to provide written notice within 5 days to a consumer regarding collection of an alleged debt. I respectfully request the closure and prompt removal of this account from any and all consumer credit reporting agencies. 
XXXX has removed the account but XXXX refused to do the same. I have contacted the Nationwide recovery system by phone and email and requested a verification of the debt but they have failed to provide it to me.
Consumer complaint received 2022-08-06
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. (PA)

I have been disputing the following fraudulent inquiries with Equifax credit bureau for over a year now. I mailed them proofs several times. They removed the fraudulent inquiries then the following day the reported them again. I did submitted a complaint with CFPB on XX/XX/XXXX against Equifax to delete these fraudulent inquiries. Equifax response was We deleted these fraudulent inquiries but they didnt. Im attaching all the documents to show how Equifax doing business and how Equifax insisting to report inaccurate fraudulent information to my credit report. 
XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX. Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-08-06
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 — Problem with personal statement of dispute
Company: Radius Global Solutions LLC (MI)

Radius Global Solutions, A DEBT COLLECTOR is Harrasing me about a transfered debt from XXXX XXXX Which I Do Not Owe, on XX/XX/2022 Please advise to how I DISPUTE.
Consumer complaint received 2022-08-06
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, violated my rights, including reported inaccuracies to each of the three major credit bureaus.

Pursuant to15 U.S.C. 1681 Sec. 602A, states I have the right to privacy.

In addition to, 15 U.S.C. 1681 Sec 604A Sec 2, also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-08-06
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  Account # XXXX, has violated my rights, including reported inaccuracies to each of the three major credit bureaus.

Pursuant to15 U.S.C. 1681 Sec. 602A, states I have the right to privacy.

In addition to, 15 U.S.C. 1681 Sec 604A Sec 2, also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-08-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meade & Associates, Inc. (MI)

I was contacted on XX/XX/XXXX from Meade and Associates via phone call in regards to a supposedly unpaid medical debt from XX/XX/XXXX and XXXX of XXXX. I was first told that there were two bills ( one for {$150.00} on XX/XX/XXXX and one for {$48.00} on XX/XX/XXXX ) from XXXX XXXX XXXX. I had not received a written letter from the collection company nor have I received these bills from XXXX. I contacted XXXX billing and they confirmed that I had paid these in full through both of my insurance companies. I confirmed the reference numbers and amounts provided by Meade and confirmed that these are the paid bills in collections. XXXX agreed to send a letter to me via snail mail confirming the amounts paid in full and I should receive it in 10 business days. This information was shared with Meade and Associates. They did not respond.

When I called Meade and Associates back, they changed t
heir story. Now, they are claiming that XXXX XXXX submitted the debt. I called the XXXX  department who were confused as they do not handle billing and they forwarded me to the billing department who again, confirmed I paid in full and should not be in collections. I relayed this information back to Meade with no response. I even called my doctors personal billing department and they have no record of me in that unique department so I could not have a debt as I do not have a profile/account. 

Today, on XX/XX/XXXX I received another call from Meade and Associates with a NEW story from them. Meade claimed to have contacted XXXX on XX/XX/XXXX and said I had an outstanding balance with XXXX. Apparently, Meade and Associates have been emailing back and forth with XXXX XXXX XXXX ( which I have never been to before ) about me and my debt. When I asked for the email they ( Meade ) were emailing to, they refused to give it to me. I called XXXX and spoke with several supervisors who were all just as confused as me because Im not in their system nor do they work with Meade and Associates for collections. XXXX believes this is a scam at this point or potential fraud. 

It has been over 7 days since Meade and Associates have first contacted me. I still have not received a straight answer where this debt has come from, who sold it to them, who to contact, nor have I received a written letter confirming this supposed debt from this collection company.
Consumer complaint received 2022-08-06
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. (RI)

I filed a dispute and nothing was updated. I included a letter from my creditor ( XXXX ) saying they agree to remove the late payments from my account but the dispute was said to be completed but there is nothing updated in the dispute and it doesn't say one word about anything in the results not any explanations. Dispute number XXXX
Consumer complaint received 2022-08-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC (VA)

I took a loan out with First VA paid off the loan they are claiming that I still owe on the loan when I went to apply for a new loan but cant give me the application information all the state is the card was swiped and used after I paid the loan
Consumer complaint received 2022-08-06
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 XXXX  Account XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-08-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

On or around XXXX MBA LAW obtained private and confidential medical information about me and my minor child then furnished the information on my consumer reports in an attempt to extort me. IN XXXX I received a letter threatening a suit and stating I must call them, I did and told them I would get an attorney in which at first they advise me not to then told me they couldn't talk to me they would have to talk to the attorney I got and the call ended. About a month went by and the accounts were off my consumer reports and then reappeared. I then disputed them and asked for validation and verification in which they sent me diagnosis and treatments and other embarassing confidential HIPAA protected information including social security numbers and insurance policies of that of my minor XXXX year old child and I. After that the account was removed without any further communication from MBA LAW who in fact represent themselves as lawyers and debt collectors yet do not and did not have a NMLS # valid for the state of florida which would be needed to collect debts. In XXXX the account reappeared under two new companies. XXXX XXXX XXXX XXXXXXXX XXXX. After many years and disputes over this debt it was found that MBA law transferred or resold the debt to them knowing that it was fraudulent debt. During a recent third party dispute I found out that MBA LAW admitted to being the " attorney 's '' for assetcare or at least answered for them. When question with why MBA LAW was answering for another debt collection agency, they stated they were their representatives and lawyers and then ignored me. XXXX XXXX XXXX XXXX  who represent themselves as a law firm also have NMLS # that are not valid in the state of florida and have resold the fraudulent debt. I received a letter in XXXX from MBA LAW stating that they " removed all information about me and will no longer attempt to collect the debt '' yet resold the debt to XXXX XXXX services on or about XX/XX/XXXX. This company is practicing illegal activities, identity theft and pure fraud. This company has violated over 100 of my unalienable God given congress granted consumer rights over the last five years and has inflicted an incredible amount of harm to me and my family. I expect the CFPB to back me on this complaint and move forward accordingly.
Consumer complaint received 2022-08-06
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 name and numbers : DEPT OF ED/XXXX  Account number XXXX, XXXX - XXXX XXXX  Account number XXXX, XXXX XXXXAccount number XXXX,, XXXX XXXX, Account Number XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 section 604A section 2, also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-09
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: BARCLAYS BANK DELAWARE (FL)

Barclay 's is reporting that this card is mine, and I have never filled out an application for this card. I was added as an authorized user but I was asked to be removed XX/XX/2022 by the account owner. After several disputes XXXX and XXXX have failed to provide XXXX XXXX  from Barclay 's verifying that I am the actual account holder