davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (DC)

According to the Fair Credit Act 15 USC 1681 section 602a states There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the XXXX. I have the right to make sure my private information isnt shared which is backed by 15 USC6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under the title. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institutioXXXX and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and surely do not have my written consent. Any and all consent to XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) state that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given explanation of how the consumer can exercise that non disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my non disclosure option. Not only does 15 USC 1681C ( a ) ( 5 ) state Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e statesEvery consumer reporting agency shall maintain reasonable procedure designed to avoid violations of 15 USC 1681c if this title and to limit the furnishing of consumer reporting to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedure. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt-out at any time. I am opting out of your reporting service.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Experian closed this complaint with a shorter version of is long version but either version doesn't address the ISSUE which is EXPERIAN NOW HAS STOLEN ALMOST XXXX MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX AND REFUSE TO GIVE THEM BACK
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

Please verify these accounts and inquiries, as they are incorrectly placed Accounts incorrect : Account Number XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXXXXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXXXXXX Account Number XXXX Date Opened XX/XX/XXXX Inquiries incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (NJ)

I opened this account last week and all the transactions I made except for direct deposit are all under {$100.00}. The bank kept blocking my account for every activity. I've went to the branch as they required multiple times. Last Saturday, I tried to XXXX about {$25.00} to another account of mine. Their APP said there's some fraud issue and asked me to call their fraud department. I called and an agent called XXXX picked up the call. I called their department before and all their other representatives only asked me about 5 questions and would unlock my account. But that XXXX asked me 30-40 questions and most of them are repetitive. For example, she asked me where I opened this account and I said online. And after 1-2 questions, she asked that question again. When I told her I already answered that question, she just said something like " oh I don't have the answer. '' And after I answered all her questions, she put me on hold for 10 minutes and did nothing. After that, she blocked my account for no reason and hanged up the call. I went to the branch today and the lady in the branch told me that my account was under investigation now. It's ridiculous.
Consumer complaint received 2024-11-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A. (NV)

XX/XX/year> the web administrator refuses to submit application for credit line. The application web administrator says it's unable to accept applications against federal equal credit opportunity act. I am sole reliant on federal equal credit opportunity act for finances and I am unable to fund account.
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I made a claim with you all so bank of America reopened my claim for the XXXX fraud after I reported it to you. Now they say they couldn't recover the funds from the bank. I called that bank the first day it was open and they hadn't received anything from Bank of America. Had they actually tried when alerted or stoped the transfer when I called the first time this could have been prevented. They failed to act in a reasonable time and now will not refund my money due to their own inaction. I want my money back and I want them held accountable for not stopping it when they had enough time and not trying to recover in enough time.
Consumer complaint received 2023-09-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (CA)

XXXX XXXX XXXX, obtained this debt because my dog became very ill. I managed to use my mothers XXXX XXXX and sign up for this a plan to be able to only pay as less as I could during that time, due to being laid off from work. I did visit ban field again and was behind on payments within the first 2 months, and I couldn't have my other dog seen because of it.
Consumer complaint received 2019-01-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HARBORONE MORTGAGE, LLC (ME)

My mortgage is through HarborOne Mortgage , LLC. The loan closed on XX/XX/2018.

On XX/XX/18 HarborOne via XXXX  ( their payment company ) paid a tax bill in the amount of {$80.00} from my escrow account that was for a tax bill for another individual on check XXXX  made payable to the town of XXXX, ME.

On XX/XX/18 the town of XXXX  informed XXXX via email that the check had been submitted in error and requested instructions on returning the check. The check was returned by the town on XX/XX/18 to XXXX via USPS mail.

I have been dealing with HarborOne since XX/XX/18 to get the {$80.00} returned to my escrow account. I felt that the time from XX/XX/18 to XX/XX/18 was sufficient time to wait for a refund. As of XX/XX/19 I still have not been credited. See attached information for a call log concerning this issue.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (OH)

I am trying to buy a house, so I pulled my credit report and noticed that I have a late payment reported by Comenity Bank/Victoria XX/XX/2024. I was really having some personal issues as I am a victim of XXXX XXXX. I reached out to the company, and they were unable to help me with this matter. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. 

I send all payments in a timely manner, not sure why the payments were not recorded on my account by the due date. I tried to resolve this issue with the company, but they refuse to help although as a consumer I feel my rights were violated.
Consumer complaint received 2024-01-22
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I was called by Kohls. They said I have an overdue balance on my Kohls credit card. I have never been to Kohls or shopped there. I never opened this credit card. They said the card was opened in a store location in XX/XX/year> and was charged {$350.00} dollars.
Consumer complaint received 2024-01-20
Product: Credit reporting 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. 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 2024-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (KS)

My wallet and phone were stolen at XXXX XXXX in XXXX. Multiple cards were used at various locations. I made fraud claims with U.S Bank and XXXX other credit card companies. The XXXX credit card companies ruled in my favor and provided credit for the fraudulent charges while U.S Bank denied my claim stating that the XXXX charges for {$480.00} from XXXX XXXX # XXXX and for {$760.00} from XXXX XXXX XXXX on XX/XX/2024 were due to the information provided, my transaction ( s ), account history, location, and pattern of use. I rarely use my debit card and don't recall ever shopping at XXXX XXXX. After denial of my claim, I asked to receive the documentation used during their research on XX/XX/2024 and was told I would receive it within 10 business days. It is now XX/XX/2024 and after 15 business day, I have yet to receive the documentation.
Consumer complaint received 2024-01-20
Product: Credit reporting 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.

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 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-01-19
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: EQUIFAX, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-01-19
Product: Credit 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: JPMORGAN CHASE & CO. (OH)

Dispute claim # XXXX I made a purchase at XXXX XXXX of {$240.00}. When the purchase arrived, the item did not match the description on the website ( website indicated the shoes to be white, the shoes received were white with grey stripes, there was no mention of white stripes in the description nor were they shown on the image provided in the website ). I contacted Chase and was told to work with the merchant prior to filling a dispute, which I did. After several months of back and forth, the merchant refused to accept a return of the merchandise. They stated they no longer accept returns on XXXX items, even if they send the incorrect item. Because of this, I went forward with filing a dispute with Chase. Between falling ill, being out of state and the holidays, the dispute was not filed until XX/XX/. Chase now states I did not file a dispute in time ( they indicated I would have needed to file 4 days sooner ) for them to be able to recover funds. When i initially called, I was not advised of a timeframe, nor was a timeframe provided at the time the dispute was filed, had I been made aware of this, i would have skipped working with the merchant and filed the dispute right away. In the denial letter I received, it indicated the claim was not approved because I authorized the charge. I acknowledged authorizing the charge at the time of the billing dispute, the reason for the dispute was due to the goods received not matching the goods ordered. I have emails and photos that prove XXXX did not send the correct product, but was not allowed to provide any of this information. I feel this is a deceptive practice that allows the merchant and bank to work together to ensure the customer is unable to receive compensation.
Consumer complaint received 2024-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

I received a XXXX XXXX from XXXX XXXX XXXX. They received payments from me totaling {$8000.00}. Approximately a year or more later someone at XXXX XXXX decided to change the amount of my XXXX to an egregious amount totaling {$88000.00}! Leaving me a " balance '' of {$75000.00}. 

This is 8,806 % of what Medicare pays! 

I have disputed this charge as unreasonable. I have repeatedly asked XXXX XXXX and the collection agency to prove that this charge is reasonable by showing me that other people pay this much money for a XXXX XXXX. 

Rather than verify the charges as " reasonable '', XXXX XXXX merely provides an outrageously high list of unverified charges that I never agreed to pay. These charges are clearly over-billed. No hospital in the nation receives this kind of reimbursement for a XXXX XXXX! 

The collection agency who took this debt upon themselves to collect has never verified this amount as reasonable, nor has XXXXXXXX XXXX. They merely continue to threaten me with this list of egregious and vague charges that no person in the United States ever pays for a XXXX XXXX. It is abuse of a patient without insurance.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX has furnished data to Transunion and XXXX that violate my consumer rights. This action was done without my authorization per 15 U.S. Code 6802. Also the data being furnished is appearing as a charge off which is considered a certificate of indebtedness. Income can not be reported on a consumer report per 15 U.S. Code 1681.
Consumer complaint received 2024-01-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to bring to your attention a pressing matter involving XXXX XXXX XXXX and a late payment discrepancy that has adversely impacted my credit. I believe XXXX has failed to uphold their commitment to rectify this issue, and I am seeking your assistance to ensure a resolution. 

In XX/XX/2023, I purchased a vehicle from XXXX and promptly informed them of my change of address within the first XXXX months. Approximately 45 days after the purchase, I realized I had not received a billing statement. Concerned, I contacted XXXX to inquire about the status of my payments. To my surprise, I was informed that no payment had been received. 

Upon escalating the matter to a supervisor, I was informed that XXXX had experienced a software glitch the previous month, affecting both payments and statements. Despite being assured that the late payment would be removed as a courtesy, I recently discovered that it still reflects on my credit report as of XX/XX/2023. 

XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2023 Balance : {$51000.00} Late XXXX I kindly request your intervention to prompt XXXX XXXX XXXX to honor their commitment and rectify this discrepancy promptly. I believe their failure to uphold their word has negatively impacted my credit score, and I seek your assistance in ensuring they follow through with their commitment. 

Enclosed with this letter, please find relevant documentation supporting my claims, including proof of address change notification and previous communication with XXXX.
Consumer complaint received 2022-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc. (AZ)

I do not owe XXXXXXXX XXXX ANYMONEY ... They had a eviction hearing and within the hearing the judge REMOVEDme from the case because l NEVER lived there. The court sent me a copy of the summo s taking my name off and l called XXXX XXXX XXXXXXXX court and the clerk confirmed l was removed and no judgment was on me. I spoke to a rep at THUNDERBIRD COLLECTIONS and they were dis respectful and RUDE.l told them l don't owe this place any money and there is NO judgment in my name. The un professional worker just proceeded to argue with me and hung up in my face. L just checked my credit and THEY ADDED IT TO MY CREFIT AS AN OVER XXXX JUDGEMENT and ruined my credit