davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
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: NAVY FEDERAL CREDIT UNION (CA)

Hard Inquiries : 1- XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX. Trying to open small business bank account. I did not authorize a credit check and did not open a small business account. 

2- DEPARTMENT OF EDUCATIONXXXX was told I had to pay for class or I could not attended the school. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX was told I had to pay for class or I could not attended the school. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX - I did not get a vehicle. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX -I did not get a vehicle. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX- I am not familiar. please remove. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX- I did not provide my information. please remove. 
Reported : XXXX XXXX, XXXX NAVY FEDERAL CR UN- I did not provide my information. please remove. 
Reported : XXXX XXXX, XXXX I would like all inquire stated above, removed off of my credit. 

- Thank you.
Consumer complaint received 2022-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

After multiple disputes with Capital One, this will be the final notice. I am sending a XXXX XXXX XXXX letter, Notice to XXXX  letter, XXXX XXXX XXXX with exhibits that will be used against Capital One in federal court. I am a natural person and the original creditor for the account, I will not stand for any more fraudulence from Capital One.
Consumer complaint received 2022-09-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC (CA)

Back in XXXX of XXXX I went to the emergency room in XXXX for an injury. I have medical from XXXX that I provided to them and then later informed my insurance about the visit. Im XXXX of XXXX I noticed that I was getting phone calls from Credit Management Company saying I owed money. I was shocked as every party involved had my information. Over the next 2 years theyd call me every other day for months and it would stop for maybe a month after I call them and then back to every other day. Id call them give them my insurance information or call my insurance for them to call XXXX. On XX/XX/XXXX my insurance has called them and they covered the debt. My insurance said that everything was done and I should be receiving any more calls. I called XXXX back in XXXX of XXXX after my insurance covered it because XXXX started to call me back. I spoke to XXXX XXXX who I believe to be the owner of the company to tell her shes XXXX  me and my insurance has given her my information. She claimed they never called and Im still in debt. Im still receiving calls today XX/XX/XXXX and they still claim I didnt pay the debt. When I looked up my right I saw that is illegal for her to charge a medical patient and when I looked up her name and company it comes up as spam
Consumer complaint received 2022-09-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hard Inquiries : XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX. Trying to open small business bank account. I did not authorize a credit check and did not open a small business account. 

2- DEPARTMENT OF EDUCATION- was told I had to pay for class or I could not attended the school. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX was told I had to pay for class or I could not attended the school. 
Inquiry : XXXX XXXX, XXXX + CAPITAL ONE AUTO FINANCE - I did not get a vehicle. 
Inquiry : XXXX XXXX, XXXX + CAPITAL ONE AUTO FINANCE -I did not get a vehicle. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX- I am not familiar. please remove. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX- I did not provide my information. please remove. 
Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX- I did not provide my information. please remove. 
Reported : XXXX XXXX, XXXX I would like all inquire stated above, removed off of my credit. 

- Thank you.
Consumer complaint received 2022-12-04
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. (MI)

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items
Consumer complaint received 2022-09-14
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NM)

I filled out some information online to see what things I would need to do to start preparing for buying a mortgage. I started to get calls from Rocket Mortgage immediately to which I answered the call and it was a woman named XXXX XXXX. We had about a 30 minute discussion arounXXXX XXXX XXXX  MST and she then told me that she would be calling me back within an hour to discuss a plan on how to prepare for buying in a couple of years as I am NOT buying until then. The call never came. The next day she called me and I told her that I waited for her call the previous day and not getting it and her calling me the next day that I no longer wanted to speak to her, hear my options or be in communication to please not contact me again. The previous day when we did speak I had already told her I work from home and needed to do things via email for the most part and to please email not call and that her not even listening to me on that after she didn't call back when she said she would is not what I am looking for. That if someone says something and it is business related I expect follow through and not to have to deal with someone that does not listen. I told her all of this when she called the next day and then she proceeded to still send emails anyway. In those emails she would start it out with " per our conversation I am following up with you on '' .... Per our conversation AND an email I sent to her I asked her to STOP contacting me and she did not have my permission to run my credit ever again and to basically leave me alone. Here we are a few weeks later and this woman has not stopped contacting me. I sent another email asking her to stop and stating that I will be seeking legal action. This is harassment and not acceptable. She has my information and is untrustworthy having people 's information. In the email that was recently sent, it said to allow any inquiries on my credit from Rocket Mortgage and this is AFTER I already told her to stop on the last phone call I had with her and via email. She is blatantly ignoring my requests and proceeding to do as she wishes with my information. This is illegal. I have told her to stop verbally and in writing. Her name is XXXX XXXX with Rocket Mortgage. This is her contact information ( XXXX ) XXXX ext. XXXX ; Email XXXX Her NMLS is XXXX Please make her stop. She does not listen to me and she is abusing access to my information. This is not ok or acceptable treatment of any potential client.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

15 U.S.C.1681 section 602- i have a right to privacy.

15 U.S.C. 1681 section 604A section 2- allows the credit reporting agency to furnish consumer. reports in accord with the written instructions of the consumer to whom it relates.

15U.S.C.1666B- a creditor may not treat a payment on a consumer credit plan as a credit card open-end
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

While under the impression of working for a company I was instructed to deposit a check of {$1800.00} and use some of the money, {$1700.00} to pay an advertising company as part of the training. On XX/XX/2022 I deposited a check at Bank of America and I withdrew the {$1700.00} on XX/XX/2022 after the funds had become available. The {$1700.00} was transmitted to the advertising agency per XXXX ATM. On XX/XX/2022 I was informed by the Bank that a sum of {$1800.00} was put on hold and on XX/XX/2022 that same sum was declined, the bank saying the initial check was fraudulent. 

My complaint is this, why would the funds become available for me to use if the check was not valid? It is not a safe or correct business practice to allow one to have access to funds and then take them back, this implies that the bank allows fraudulent checks to be deposited and in such scenarios it only hurts the customer. Instead of verifying the check and making the funds unavailable until the check cleared I was under the assumption that the check was valid and good since the bank informed me I could use the money once the funds became available. When I asked the manager of my local Bank of America they informed me that it usually takes 4-5 business days until a check clears, this is not a notification I have received before when depositing a check before, and if this is indeed the case why is the customer not notified? In the past I was only notified once my funds became available, not that the checks were clear or not. 

Now I have a bank account in the negative, since the bank has decided to take {$1800.00} from my account even though they had given me access to before verifying the check. Had the funds from the check been held until the check cleared that would not have been an issue. I do not believe that the customer should suffer the difference from such a situation, it should be the responsibility of the bank to make up the lost money if they give access to it before the verification. This transaction system does not provide a strong security to the consumer and it leaves it open to fraud cases such as this. It leaves the consumer open to fraud and in addition they make the customer pay. 

In this case the bank 's system failed to protect it's assets and mine by not verifying the check and the bank then transferred the responsibility and price of the mistake onto the customer.
Consumer complaint received 2022-09-14
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. (SC)

I I got an email last night with the Subject line " Adverse Action Notice '' from a company called XXXX, of which I've never previously heard. The email stated : Thank you for your recent application for a XXXX account. After very carefully reviewing your request, we regret that we are unable to offer you an account for the following reason ( s ) : Delinquent past or present credit obligations with others This may or may not be true, I don't know ; my credit isn't the best after a divorce and selling my house. They went on to say they'd pulled my info from Transunion and how I could get a copy of the report. For reference, my email address they used is my full legal name, though I have no idea how they got it nor other PII to pull my credit report. 

I sent an email stating : I didn't apply and have never heard of you. Where did this request originate? 

To which I received the reply : Thank you for reaching out! We apologize for any confusion this email may have caused. It was sent in error. You don't have an account with XXXX. This message should not have been sent. We sincerely apologize for the confusion. Please let me know if you have any questions. 

I replied : As you're pulling my credit, this isn't a good enough answer. How did this happen? And after 4 hours with no response sent : I need an answer to this or an escalation. No reply yet. 

How could this have happened and what recourse do I have? I found the phone number on their privacy statement XXXX, but it's a simple recording saying to reach out via email or the app. I have not found any other numbers. 

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 did contact XXXX XXXX XXXX who stated they can not assist me as they only provide financing and have no internal access to their systems.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I closed my credit card with Citizens Bank because of how they sneak people into signing for online billing statements and then charge exorbitant fees when the person didn't consent to the fine print and doesn't realize they are late on payments. The CFPB should have a class action law suit on our behalf. 

In any case, I received my final bill from Citizens Bank credit card for purchase made from XX/XX/22 through XX/XX/22. Since my card was still open, I should have received reward points of 1.8 % on my purchases. I received XXXX.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I Contacted Equifax XX/XX/22 at XXXX the called lasted approximately 1 hour and 11 minutes. 

During the call I explained that my rights as a consumer were being broken and Equifax was not upholding FCRA Laws as our conversation went out stated that you are correct the amount is not they have not given us any information you need to provide us with that information when in fact the law states. My consumer file is being irresponsibly tampered with over the past 2 years, I have made multiple attempts to remedy this issue as a duty pursuant 15 USC 1681. you are intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I made this call as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations ... all the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus i know that it can not be verified or validated. 

Which lead me to writing this complaint in attempts to rectify this inaccurate reporting information so i can be able to go upon my life. If not I will seek LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617
Consumer complaint received 2022-09-14
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)

The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

1. XXXXXXXX XXXX - ACCOUNT # XXXX 2. XXXX XXXX ACCOUNT # XXXX 15 US Code - 2 - Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

I inadvertently took out a Pay Pal account approximately 4-6 years ago. I was unable to close the account, and have never used it. 
I have email printouts from both XXXX and XXXX dating from XX/XX/22 to XX/XX/22. 
I was contacted by the pay pal billing dept on XX/XX/22, concerning a {$600.00} bill for purchase of three {$200.00} gift cards from XXXX, {$600.00} total, which I did not buy. 
XX/XX/22- received a second email billing for {$600.00} I called the pay pal billing dept to report that I did not purchase the gift cards. 

I was referred to the above win.services email address, and sent my refund amount and last four numbers of my bank account. However, the amount was XXXX ( hit the number 4 instead of $ ). 
They explained that the scammers had made a {$4600.00} deposit into my bank account, and I needed to go to get eight XXXX gift cards of {$500.00} each, and to read the numbers on back of the card to provide pay pal the credit for the amount shown as a deposit into my account by the scammers. Meanwhile they assured me that they were cleansing my computer of hacker access. They showed me the deposits into my bank accounts, and my credit union account. I continued to believe them, as the format showing deposits into all of said accounts were the same as I encounter routinely doing on-line banking. Thus, I believed what they said. This process was repeated multiple times. 
Total withdrawn by me in cash to pay for the XXXX cards was near {$30000.00}. 
I have scanned and uploaded the emails from the two above sources. 
I learned that the bank and credit union accounts showed no deposits, even though I observed same over my computer, which I had released to the above bad guys. The nonly way to check actual account activity was to go to the bank/credit union XXXX Further, the cash withdrawals drained my accounts of {$30000.00} I received an additional pay pal invoice on XX/XX/22 for {$500.00}, which is included in the uploaded file. I do not intend to pay this invoice.
Consumer complaint received 2018-10-26
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: ENCORE CAPITAL GROUP INC. (PR)

I HAVE DISPUTED THESE ACCOUNTS WITH XXXX XXXX XXXX, FOR THE AMOUNTS OF ( XXXX ) and ( XXXX ) with XXXX  on two occasions, with no positive results.ON THE OTHER HAND HAVE GOTTEN THESE SAME ACCOUNTS, DELETED WITH XXXX  AND XXXX.
Consumer complaint received 2022-09-14
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)

The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

XXXX. XXXX XXXX  - ACCOUNT # XXXX XXXX. XXXX - ACCOUNT # XXXX XXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX AREA - ACCOUNT # XXXX 15 US Code - 2 - Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.