davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

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 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Whom It May Concern : I recently received a copy of my ( XXXX and Transunion ) credit report, and I noticed that you are still reporting a medical collection under the {$500.00} threshold. Starting in XXXX XXXX XXXX XXXX  less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (NC)

Recently I went on to a couple car sites and used their prequalified method to see if a Vehicle I like what my rates would be. Long story short these people have shopped my report to Multiple places and now people are calling me to purchase a car. This is violation or my credit report and personal information being shopped to vendors without my consent nor knowledge. Please delete the state inquiries below, 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 I never authorized any of these credit inquiries on my report.
Consumer complaint received 2023-02-09
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: CITIBANK, N.A. (FL)

CITI CREDIT SERVICES IS IN VIOLATION OF THE FDCPA & FCRA. 
PLEASE REFER TO THE DOCUMENTS ATTACHED TO THIS COMPLAINT
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

I checked my XXXX XXXX account ( rough estimate XX/XX/XXXX ) and noticed my credit score went down. There was a hard inquiry via CitiBank on XXXX. Called CityBank ( apparently got routed to the wrong department ) and they confirmed there was no account in my name. A few days later, I received a letter in the mail from CitiBank, and I called their credit card application department and was transferred to the fraud team- who confirmed there was an existing application in my name. They stopped the application, notified the credit bureaus, and put an alert in their system. 
I also individually froze my credit through XXXX, XXXX, and XXXX via the automated phone system. On XXXX I created an online account with each credit bureau and discovered 4 more credit card applications in my name. 
* Capital XXXX on XX/XX/XXXX * XXXX via XXXX Bank on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via XXXX on XX/XX/XXXX XXXX I contacted all 4 banking institutions and confirmed there was a credit card applications in my name as described above, stopped all applications, alerted them as fraud, and each bank said they would notify the credit bureaus. 
On XXXX I started using XXXX, for identity theft protection. I linked all banking and investment accounts to Aura to be monitored as a safety measure. 
XXXX I added a PIN # via the IRS to further protect my identity. 
XXXX I changed all passwords with bank accounts, credit card accounts, XXXX ID, XXXX accounts, etc.- anything vital to my identity that I could think of 2/2- Notified all banks I do business with about recent fraud and set up text notifications on any charge above {$1.00}. 
XXXX I set up a PIN with the IRS to further protect my identity and notified my CPA since tax season is approaching. 
On XXXX I received a text notification from XXXX  that a New Account Application was detected via XXXX XXXX. Called Aura immediately, and together we called XXXX XXXX. They said there was nothing in their system, so nothing could be done at this point. 
XXXX After the XXXX XXXX phone call, the XXXX representative stayed on the line and we reviewed my credit report together. She mentioned my XXXX XXXX XXXX credit card, and my XXXX XXXX card- which I forgot to add the alerts. 
XXXX Called Nebraska XXXX XXXX to add a phone call notification before a transaction can go through XXXX called XXXX Bank XXXX XXXX XXXX card ) and they were unable to add security measures like a text notification, so to be safe I closed out the account and requested a mailed correspondence. 
XXXX Updated XXXX password XXXX Requested security freeze with XXXX XXXX submitted a complaint with the CFPB XXXX contacted the city of XXXX police department to find out process to report fraud, and will be submitting that shortly. 

A few months back, maybe XXXX or XXXX of XXXX I received a letter from XXXX that there was data breach and I was on the list. My DL and other " basic '' info like my name and address were breached.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CA)

I received an email from Marcus by Goldman Sachs in XX/XX/XXXX, stating that my savings account has been closed. It took me three calls into their Customer Service Department to find out WHY this happened. Once I learned of the issue, I take full responsibility for why it was closed. 

However, I have called into Marcus multiple times to get my money back, starting in XX/XX/XXXX. In XX/XX/XXXX, I sent in an affidavit of identity because I had moved apartments so that they could send a check to my new address with the funds. I verified they had received that on XX/XX/XXXX and were reviewing. I was told I would receive a call. I did not receive anything. On XX/XX/XXXX, I called in again and was told that a new Work Item would have to be opened from this call, which could take 1-3 business days. I was told I would receive a call. I received nothing. On XX/XX/XXXX, I called in again. This time, I was told that it was NOT possible for a check to be dispersed, and that my notarized affidavit was a wasted effort and three weeks that I could have been following up. I paid {$4.00} for this. From the XX/XX/XXXX call, I was also told that my account was in the process of being re-opened so that the funds could be moved there. I am not sure why this process has taken XXXX months, and all I want is my funds back.
Consumer complaint received 2023-02-09
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: LEXISNEXIS (MI)

On XX/XX/2021, I initiated a dispute on credit report to the credit bureaus asking if they report bankruptcies to the credit bureaus and I got a letter stating The company that reported the information has certified to XXXX that the information is accurate. To date, I have not heard back for the dispute with the other agencies. How did the credit bureaus verify my bankruptcy as 100 % accurate? I do not believe a fair investigation was conducted according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 instruction.

According to : 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 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (SC)

On or about XX/XX/2023 I checked my XXXX consumer report after receiving a text message about a change and a decrease to my XXXX score. I noticed that XXXX was reporting an collection account from ENHANCED RECOVERY COLLECTIONS I never gave XXXX written permission to report anything to my consumer report which is a violation of 15 USC 1681b ( a ) ( 2 ) and thats a violation of my consumers right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ) they have assumed a vital role in assembling and evaluating consumer credit, inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The INTERNAL REVENUE SERVICE in their publication 1212 states that collections are income to companies and their are suppose to supply me a 1099c I never received that form, so they receive income and trying to extort money from me and XXXX is aiding and abetting this extortion. I have taken the liberty to file an complaint with CFPB and will also file complaints with FTC and the ATTORNEY GENERAL
Consumer complaint received 2023-02-09
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: HEARTLAND PAYMENT SYSTEMS INC (NJ)

Student loan reports to my credit incorrectly and both the school and their reporting company refuse to correct it. Account was not serviced properly. No letters, no calls no emails were sent to advise I owe them money. First letter came to a relatives address and when I called I was told no account existed and not to worry. Later I find out theres an open collection on credit. I paid it off immediately. However, it appears that collection is still on my credit show past due, showing a balance due over the available credit limit, showing a payment equal to the amount due, reporting every month as an open account and XXXX  days past due. Both the school and school servicer reporting to credit refuse to give an accurate letter to match the account number they reported to credit. This prevents me from asking the credit bureau to dispute - account numbers do not match. I have requested credit bureau to call the school and gave my verbal consent to both. School servicer advised me that they dont talk to credit bureaus, and they only report what school gives them. This is a vicious cycle, which hurts me financially. Im unable to purchase a home because of this account and how it reports.
Consumer complaint received 2023-02-09
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. (TX)

Information on credit report inaccurate, please remove all inaccuracies. 

Inquires : XXXX XXXX on XX/XX/2022/ this does not belong to me
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (GA)

XXXX XXXX unlawfully reported these accounts to my consumer report without my written permission also without advising me that they will disclose it on my consumer report. Nor did they give me a option to opt in or out of it being reporting. I was misadvised for their own interest. They have broken several of my consumer rights according to consumer laws. One law in particular that they broke was ... ... 18 U.S.C 1028A ( Aggravated identity theft ). Thats just naming one. I have written them several times about this unfair and unlawful treatment and nothing has been done. They have yet to send proof of how I owe this debt, instead they send a letter saying is verified. I did not ask them to use my personal information to verify these accounts but send me proper documentation that this debt is valid.
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

I have a mortgage through the mortgage company Mr.Cooper. I get charged every month for taxes that's included in my mortgage amount and I just received a letter from my local tax office for delinquent taxes for the property. I was under the assumption that the taxes are included in my monthly mortgage amount that I pay to Mr. Cooper. I spoke with the tax office and the taxes is delinquent with interest in the amount of XXXX. The later half of last year Mr. Cooper increased my mortgage payments so why they didn't pay the taxes. I'm getting charged escrow every month so I don't see no reason as to why I'm still responsible for the taxes.
Consumer complaint received 2023-02-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am sending this complaint. In reference to a payday loan that was initiated under my name due to identity theft. Apparently someone that has my personal information access this cash thru an app that you download on a mobile device. I have been told by TRANSUNION credit report agency that the original loan amount was {$90.00} and that there is {$79.00} still being reported as owed. I have gave information of my identity theft circumstances to all 3 credit reporting agencies in 2017. This company did NOT protect my identity. This account was open fraudulently. I have attempted to contact them directly to file my dispute, and the contact information provided to me was a telephone number that is disconnected. 
Please contact them at : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX the phone # is XXXX please verify that this number is disconnected and there is NO WAY for me to file a dispute with them directly.
Consumer complaint received 2023-02-09
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. (NC)

Equifax confirmation # XXXX is reporting the following fraudulent inquiries. 

XXXX XXXX XXXX dated on XXXX XXXX, 2023 XXXX. XXXX XXXX, dated on XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX, dated on XXXX XXXX, 2023 XXXX. XXXXXXXX XXXX, dated on XXXX XXXX, 2023
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (MN)

Hi, US bank has an 'autopay ' feature to pay off one of there credit cards. Once you set that up, you can not go back to see when you scheduled to pay off your credit card. I called into US Bank to CONFIRM that I did schedule autopay to pay off my entire balance when it was due. 

The day the payment was scheduled, US Bank paid my full balance TWICE. This caused me to overdraft in my external bank account ( did not have enough money in that account for TWO payments ). US Bank then charged me interest ( {$11.00} ), 'returned fee charge ' of {$25.00} and more money at my external bank due to the overdraft ( which reversed the fees ) for a 2nd payment that should have never occurred. 

Again, this autopay payment was confirmed via a rep over the phone before it even went through. It paid my statement twice, causing an overdraft in my external account. I get hit with interest charged a returned fee charge for a second payment that should have never occurred.
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (WV)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023 an unauthorized wire transfer took place. A phone call that looked like the bank was calling took place. I was told there was someone in another state trying to wire transfer money from the checking account. I was asked was I in florida? I said no and stop that transfer..was given a code..like the bank usually does. Was told it was stopped. I check on the account a few hours later..money gone! I immediatly call the bank to report and was told there was no report on anything this all happened within about 14 hrs. so closed the bank account..reported what happened to the fraud dept. of the bank was told I must have given my username..that DIDN'T happen. Finally went into the bank branch for more explaining to them. Now we have filed a police report and I'm following up with this complaint. The amount of this transaction was {$20000.00} on XX/XX/2023 with Wells Fargo