davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The theft using my information opened checking account ending XXXX, in capital one. The account was opened at XX/XX/XXXX, closed XX/XX/XXXX by the theft. I contacted capital one and case number is XXXX. 
I also found capital one had put a hard inquiry on my report.
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I went to the bank to make a withdrawal and found out that I had no money in my account on XXXX XXXX XXXX XXXX and it was not me. They did a report about it did my claims I lost my social, and they referred me to this website to report it for protection of my identity.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: FIRST ADVANTAGE CORPORATION (PA)

I XXXX XXXX, the consumer in this matter. Requested my free annual consumer report from First Advantage Consumer Advocacy Center. Through the mail. Pursuant to title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. Based on that law First Advantage Consumer Advocacy Center have to give me a copy of my report.
Consumer complaint received 2021-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank (HI)

Sunday XX/XX/2021 at around XXXX. HST, I used the credit card to make purchases. This is a secured card that I paid a deposit for. The card had an available balance of {$600.00}. When I went to use the card at XXXX the card declined. I then went to test the card at XXXX XXXX and the card was declined again. I called the number in the back of the card and there was no agent available to assist me with why the card is declined when I've used it 3 times earlier that day. 
On Monday XX/XX/2021 at XXXX. HST, I called XXXX XXXX and was told that there was a hold on it but the hold was removed at XXXX. the night of XX/XX/XXXX. I was also told that I was not to use the card until 24 hours after the hold was removed. I asked why this is because I was not informed of why the card was put on hold and why there was a hold. I had to ask for a supervisor to explain why there was no communication right away of why the card was on hold but someone did a review and removed the hold at XXXX. on a Sunday. I spoke to a XXXX with an Employee ID # XXXX to which he said that this is " the company procedures and this is just how it is ''. I just have to wait. 
I then asked to speak to his Supervisor because it didn't make any sense to have available credit but I couldn't use it because they decided to put a hold on the card and then the card is not available right away to be used when there is an available balance. A person named XXXX came on the phone and was very rude and said that it's just company procedures and that I just need to wait 24 hours for it. I explained to him that this didn't make any sense that I have to wait that long when they are the ones that put the hold on and didn't contact me about any hold. I then also told him that I will be filing a complain with the CFPB and that he needed to send me something in writing or the contract that I signed that stated that and he said that I should already have the contract and that he didn't care what I would do. This is ridiculous on so many levels when you're charging an annual fee to use your so called credit card and that this is how you treat customers.
Consumer complaint received 2023-07-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I took out a loan over XXXX years ago. It was for XXXX. I divorced and moved and couldnt pay the monthly payments. I never received any bills so I assumed it was a closed case. Suddenly I receive XXXX years later a court order to appear in court because of this debt. I emailed the lawyer that I could not attend that date because we had a wedding out of town and already bought the tickets. I didn't hear anything and then yesterday my husband and I saw all our bank accounts at Bank of America were frozen. We had no money available to us. They froze over XXXX. This included my husband 's wages and he is head of household. They also froze an account where I had money saved for my XXXX financial aid. This was to buy books for an upcoming term. We had no money, it was a Friday evening, and we have XXXX children. XXXX is an infant. I couldn't even go to the store to buy her milk. How can they do that? They froze all accounts, exceeding the XXXX XXXX we owed, taking my husband full wages when he the head of household. He also couldnt pay his child support from a previous relationship. Please help us get the money they took and unfreeze our accounts. We seriously have no money t live on. Case number XXXX. XXXX XXXX- it was issued by XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ISSUES : LATE PAYMENTS ARE NOT CORRECT AND NEEDS TO BE CORRECTED. 

Good morning, I have disputed the late payments for the account above with the financial institution, and they agreed with my comments and agree to delete the late payments they have posted it on my credit report. They sent me a letter in XXXX with he following statements XXXX XXXX has finished to the credit reports agencies on the above reference account after their investigation an update on their records as to show no late payments. No agency has made a change to this account and still has this account showing late payment. 

please update this account immediately in order to not report false and inaccurate information.
Consumer complaint received 2023-06-10
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: Resurgent Capital Services L.P. (VA)

As a debt collector, LVNV FUNDING LLC are governed under the Fair Debt Collection Practices Act ( 15 USC 1692 ) with no exemption! It is a violation under the Act to acquire my nonpublic personal information from a 3rd party source and willfully contact me without my prior consent given directly or from the express permission of a court of competent jurisdiction allowing to do so pursuant to 15 USC 1692c ( a ). With the intent to provide me false and misleading information stating I owe any such alleged debt, not only do I REFUSE TO PAY SUCH ALLEGED DEBT but Im also demanding LVNV FUNDING LLC to cease and desist communication through ALL MEDIUMS in reference to this alleged debt with me and ANY OTHER person pursuant to 15 USC 1692c ( c ). LVNV FUNDING LLC willful deceptive practices used evidence noncompliance under the Fair Debt Collection Practices Act ( 15 USC 1692for which the court may allow damages of {$1000.00} per provision identified that failed to be complied with pursuant to 15 USC 1692k ( a ) ( 2 ) ( A ). Understanding that LVNV FUNDING LLC have no legally enforceable contract in place that could be enforced under a court of law, LVNV FUNDING LLC is now subject to lawsuit for violating my consumer rights under the Act since LVNV FUNDING LLC decided to infringe on privacy and harass me!
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-06-10
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-07-29
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: General Motors Financial Company, Inc. (MS)

In accordance with the fair credit Reporting act GM Financial has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2023-06-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

I applied for a mortgage loan of XXXX which is not a normal amount compare to XXXX mortgage loans. My income debt to ratio is excellent and my score/credit is in good status. I do not have any mortgages or auto loans. I only have two credit cards which i use. Suppose to be an easy mortgage transaction but I was wrong. there is no other way to call this, subject of mortgage loan discrimination. My loan was denied with the explanation of poor credit with the bank. I always had good standing with them in regards to my old mortgage loan. My credit card with the bank suffered a stolen amount that NFCU was unable to resolve. As a result my excellent credit with excellent credit score went from excellent to good status. From the time I submitted a loan application, it was going to take several weeks before application was review according to Loan officer it is taking long than expected for the loan. 3 and half weeks passed nothing, no call or anything. At this time home is already with the contract option pending. Yet i decided to wait to see the outcome because it was submitted to underwriting without any contract. according to loan officer i have to wait more weeks in underwriting if I am going to change the loan amount. which i supposed to since the home i was interested was not available anymore. I was waiting for their initial approval. After waiting a month It seem they were looking for an excuse for a denial that they could not find because I met all the loan requirements as it should be. Keep note I had good record of my old mortgage with NFCU that I paid off in full and didn't miss a payment. This is a case of a bluntly loan discrimination that NFCU is allow to get away with it apparently. I meet all requirements for a mortgage loan, I made sure before I submitted my application.
Consumer complaint received 2023-07-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Amount Deducted from account {$75000.00} USD Transfer Fees {$45.00} USD Other Fees* {$30.00} USD Total to Recipient {$75000.00} USD in international account. 
There is no currency conversion as transfer was USD to USD The " other fees '' of {$30.00} is not expected nor informed. Is being added at time of transfer.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-10
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. (MI)

The Credit Bureaus stated that my account was properly investigated, but that cant be possible because there are multiple inaccuracies on my report including : Date Opened, High Credit, Date Last Reported, Date Last Active, Date of Last Payment 15 U.S.C 1681 SECTION 602 A. States I have a 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 instruction. The following accounts are included : XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and ultimately on my financial wellbeing. This has been hurting me as I am in the process of buying home for my family and caused financial and emotional distress upon me and my family. XXXX XXXX XXXX
Consumer complaint received 2023-06-10
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2023-07-29
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. (MD)

I was going through my consumer report, and I have noticed multiple debts added onto my account without my knowledge. In pursuant to 15usc1681 ( 4 ) Transunion must exercise their grave responsibilities with fairness, impartiality, and respect for my privacy. In the end of XXXX, Transunion added 7 accounts with the name DEPT OF EDUCATIONXXXX with a balance of {$26000.00}. This is a violation of the fair credit reporting act and violation of congressional findings. This is a violation of my privacy, and I did not consent for the 7 accounts to be reported into my consumer report. This is impartial because Transunion does not see me as a consumer, they see me as a product where other 3rd party corporations and themselves can profit from my account and name. Transunion has no respect for fairness. This is limtiing my opportunity to use my credit for other services. In pursuant to 15usc1681 ( 1 ) unfair credit reporting undermines my confidence in the banking system since the banking system dependent on fairness and transparency which lessons the functioning of the banking system. I have named 2 violations from the fair credit reporting of the congressional findings and there are many more. I demand the 7 accounts to be removed from my consumer report.
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 
1 ) XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX -Acct # XXXX. 4 ) XXXX XXXX-Acct # XXXX 5 ) XXXX XXXX- Acct # XXXX 6 ) XXXX XXXX. XXXX 7 ) XXXX XXXX Acct # XXXX 8 ) XXXX XXXX- Acct # XXXX 15 U.S.C. 1681 Section 602 A. States I have a 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 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. 1681c-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 2023-07-29
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. (LA)

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.

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 inructions 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 2023-07-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC (FL)

I am writing to complaint against a financial institution call Solar Mosaic LLC located at XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX with the CA Finance license # XXXX. 
This company disbursed all the money from a loan acquired by me to a company that I hired back on XXXX XXXX to do solar panels and some improvements to my home and that never finished my project. We contract XXXX XXXX XXXX XXXX  aka XXXX XXXX XXXX, Owner name XXXX XXXX XXXX XXXX and his wife XXXX XXXX. Their company address was XXXX XXXX XXXX XXXX XXXX FL, also have another address on file as XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX but apparently, they closed the company. Owner address is XXXX XXXX XXXX XXXX, FL. As today XX/XX/XXXX our home improvement is still not finish and the owner calls saying that he doesn't have the money to finish my improvement and he said that we need to wait more time until he can get more money to finish our project, when the financial institution give him all the {$120000.00} of the loan back on XX/XX/XXXX. The financial institution just asks me if the panels was installed on the house but they never ask for the completion of all the improvement that goes in the contract and its not just me is more than XXXX families having the same or very similar situation with this company XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX Solar and this financial institution Mosaic. They all have been fraud with thousands of dollars. Paying their loans without the completion their projects also they fraud us with the solar warranty and services that their promise to me and my wife. We need your help and this need to be investigated as soon as possible. We are paying a total amount with interest of {$150000.00}. We never see this money, Mosaic just send it to XXXX XXXX  XXXX XXXX XXXX aka XXXX XXXX  Solar directly and is so frustrating to pay a loan without them finish their job and under lies and false promises to the consumers.
Consumer complaint received 2023-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received my credit report on XXXX XXXX and notice there were hard inquiries that don't have permission to be on there .These inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my right under 15USC 1681b. I also have attach the hard inquires that don't have no purpose to be on my credit report.