davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FactorTrust, Inc. (MD)

The credit bureaus have violated my rights according to 15 U.S.C 6802 .A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. Who gave the credit bureaus the permission to share my information? 

Also 15 U.S.C. 6801 ( a ) Privacy obligation policy 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. 

The XXXX XXXX XXXX XXXXXXXX, has been sharing my account with third parties. 

Please send a detailed description to how the account was verified.
Consumer complaint received 2023-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I currently bank with Bank of America. On XX/XX/XXXX my phone and wallet were stolen. On the morning of XX/XX/XXXX I called to inform the bank to freeze all accounts due to this. 
On XX/XX/XXXX, I received notification that roughly {$24000.00} worth of fraud had occurred on my account. Since then, I have filed 7 different claims, all which 1 has been resolved. 

Claim # XXXX was denied in the amount of {$7000.00}. This money was sent via XXXX to an unauthorized account that I have no prior relationship with. I have requested multiple times for the documentation used to come to this conclusion, and have yet to receive a response. I also have been given 4 different fax numbers and now 3 emails to send the police report, phone logs, and countless information/documentation too, all of which I have been told has not been received. I would like to add that I used a Bank of America Banking center to do all my faxes.

I was able to open this claim back up, and now am at the mercy of Bank of America because I keep getting told different things.
Consumer complaint received 2023-11-22
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. (CA)

XXXX XXXX account XXXX account has been paid in full got letters for the institution verifying account paid in full they keep on reporting it on my report ask for the original contract,
Consumer complaint received 2020-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NC)

Our loan was sold to Chase Home Finance on XX/XX/XXXX of XXXX from XXXX XXXX. 
After speaking with XXXX they have informed us that the funds from our XXXX payment were forwarded to Chase on XX/XX/XXXX. We have called numerous times and no one at Chase are able to find our payment or provide any resolution ( ie. ask for proof of payment ) to ensure our funds are properly posted to our account and avoid late fees beginning on XX/XX/XXXX. Our payment was made to XXXX XXXX on XX/XX/XXXX for XXXX. Our account number with Chase is XXXX We have previously filed a complaint with regards to this situation with XXXX XXXX. This is a complaint against Chase for their inability to find our payment when we had no control over if our loan gets sold. 

We have made roughly 10 phone calls between Chase and XXXX XXXX. Our time is extremely valuable and shouldn't be wasted on trying to find a resolution we have had no control over.
Consumer complaint received 2020-01-07
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. (NY)

THE INQUIRIES LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. PLEASE HAVE THOSE INQUIRIES OFF MY CREDIT REPORT.
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (AZ)

On XX/XX/XXXX at XXXX hrs I contacted American Express by telephone. I was cleared through there automated system. Last 4 SSN, etc. Choose the option lost or stolen card. Was transferred to a robot who advised that the card was lost and that they would stop any further transactions and that I would not be responsible. Verified my address, and said that my new card is going to be delivered on XX/XX/XXXX. Is that ok? I said yes. 

On XX/XX/XXXX at XXXX hrs, I received an email notification that a Large Purchase has been approved. I looked and a charge for {$530.00} for Travel had been made. At XXXX hrs, I contacted Amex by phone. Asked to be connected to Fraud and then I spoke with a CSR named XXXX. Explained the situation and he says that there is no record of a replacement card going out. I explained to him that I spoke with the robot, and was to receive the card by XX/XX/XXXX. Went over the part where it asked me if it was ok to receive by XX/XX/XXXX. He said there must have been a " Technical Glitch '' but that he would stop the card and have a replacement. I explained to him that I would like to escalate the situation to a supervisor, which will call me back in the priority that they receive the request. Within 24 hrs. 

So my complaint is this. I spoke with a robot on XXXX at XXXX hrs and cancel the card as lost and give an ok to receive by XXXX. The procedure is broken with the robot not fulfilling the request that I made to cancel and reissue. This isn't the technical glitch that a cardholder should have to tolerate.
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (NC)

I rented an apartment at XXXX XXXX in XXXX, NC from the end of XX/XX/XXXX. I paid my rent on time every month until I was evicted XX/XX/XXXX because my XXXX old daughter had a fight with a so called friend. I can't recall if I paid a deposit before moving in but I cleaned the apartment before I left. No damages. Months later I started receiving phone calls from a rude representative XXXX at iq data international. I asked for a statement of these bogus charges of {$690.00}. I asked why I never knew about any charges before collections. I never get answers. I can barely speak. I don't want any derogatory accounts on my reports but they make it hard to get it taken care of.
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My account late status is incorrect. The account initially listed 60 days late & Closed APR XXXX prior to my XX/XX/XXXX dispute. After the dispute it now reports 90 days late. 
This is being reported incorrectly. The status should be only 30 days late. 


Select Portfolio not reporting status and paid and closed. Home sold XX/XX/XXXX. 
I would like to be contacted at XXXX. Thank you
Consumer complaint received 2020-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (DE)

Transaction Information : Transaction Amount : {$110.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2019 The items purchased were returned via USPS which was purchased via Paypal. The return shipment was also tracked : XXXX ( USPS ). 

The vendor has their goods and Paypal is denying my request for a full refund.
Consumer complaint received 2020-01-04
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. (WI)

I filled my credit a while back an saw all these accounts that didnt belong to me. So i reached out to the companies to try and get it removed but i was no success. The following accounts are not mines : XXXX XXXX opened XX/XX/XXXX {$14000.00} XXXX   XXXX Opened XX/XX/XXXX {$560.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$300.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$75.00} XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$120.00} WI XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00}
Consumer complaint received 2020-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I sent a dispute For XXXX XXXX XXXX  ( XXXX XXXX. I explained to equifax that XXXX  XXXX  XXXX  did not give me a 20 day notice the right to cure debt. Its a south carolina state law that a bank must notify the consumer in writing the right to cure. XXXX XXXX never showed any proof they sent me the notice within 20 days of the repo. My rights was violated by XXXX  XXXX. I was never given the right to redeem my belongings which the law requires. I purchased a Engine warranty for the car, the engine fail in the car and they wouldn't replace it.
Consumer complaint received 2023-11-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. 

All account Types A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely. 
I demand that this company delete and or update these accounts on my credit report or I will have no choice but to forward this to my litigation attorney.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-08-16
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. (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 2024-08-16
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: EQUIFAX, INC. (GA)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion continues displays innacurrate employer on credit report. XXXX XXXX  is inaccurate. I work XXXX, I have sent verification of that to transunion but they confirmed agreed to remove innacurrate information but reappearing.
Consumer complaint received 2020-01-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (WA)

Multi-faceted bank errors. Recent audit of accounts and transactions found closed account balances transferred to wrong account and cents missing from one account to the other, charges a XXXX off as more money taken than the receipts, cashing wage checks having money deposited back to business account when should have been deposited in personal accounts, business revenue deposited in personal accounts by bank employees causing accounting and audit trail problems, bankers filling in account numbers and using the incorrect accounts, bankers performing transactions without authorization of the account holder or holders, processing checks or convoluting the transaction of the check cashing process, redacting information on deposit slips and just too many similar items to list.
Consumer complaint received 2019-01-07
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)

This complaint is being made because despite a properly submitted dispute in regards to me being a victim of identity theft and having fraudulent accounts. The major credit reporting agencies are not given me the relief that the law requires in blocking/deleting these fraudulent accounts.
Consumer complaint received 2020-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

I was supposed to get my card within 7 to 10 business days, I havent received it yet. I talked to customer service ( Automated ) couldnt even talk to a real person and they said it was shipped on the XX/XX/XXXX. I logged in on my app and it says it was shipped on the XXXX. I havent heard from them that there was a delay, problem or anything like that, I still havent received my card to this day. I really needed that card.
Consumer complaint received 2020-01-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-01-07
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. (NY)

THE INQUIRIES DISPUTED ARE DUE FOR REMOVAL OFF MY CREDIT REPORT. THOSE INQUIRIES WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Klima, Peters & Daly, P.A. (MD)

OLD AND INCORRECT INFORMATION WRONG ACCOUNT BALANCES THAT I HAVE PAID. THEY USE XXXX XXXX IS ALSO REPORTING A {$900.00} BALANCE XXXX XXXX CREDIT REPORTING IS WRONG AND SHOULD BE REMOVED OVER SEVEN YEARS OLD. INCORRECTLY REPORTING {$900.00} I PAID XXXX. SOMETHING IS VERY WRONG HERE.
Consumer complaint received 2020-01-07
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. (UT)

On XX/XX/19, XXXX XXXX ( " Creditor '' ) ran my credit report. I notified the Creditor this was in error. 
On XX/XX/19, the Creditor researched it and sent a letter to Equifax asking them to remove the hard inquiry. The Creditor advised me this would take up to 60 days, sending me a copy of their letter ( attached as XXXX XXXX ). 
On XX/XX/19, I contacted Equifax. Equifax told me to send a copy of the Creditor 's letter, which I did ( attached as Equifax ). 
On XX/XX/19, Equifax refused to correct the error. They advised me to contact the Creditor ( if I believe it was in error ).
Consumer complaint received 2023-11-22
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. (TX)

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.