davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
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)

In accordance with the Fair Credit Reporting act 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, 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 an account without my written instructions
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

A credit card application was applied under my name for an XXXX XXXX XXXX XXXX Credit Card thru Bank of America ( BOA Application Reference # XXXX ). This was a fraudulent application and someone out there is using my credit record to apply. Not sure how they accomplished it but wanted to report it to you in case it's more widespread issue using my SSN. Application was filled in late XX/XX/2022 via XXXX. This application is NOT me.
Consumer complaint received 2022-04-13
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. (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX ( XXXX ) Account # 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 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer. 15 U.S.C 1693 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse or harass at the called number. 15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt. -any state territory possession of the United States , the district of Columbia , the Commonwealth of Puerto Rico or any political subdivision of any of the foregoing. 15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt. 15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 15 U.S.C 1692 d ( 2 ) the use of obscene or profane language or language the natural consequences of which is to abuse the hearer or reader. 


Creditor updated account with XXXX as Collections. Creditor advised they would send request to credit bureaus to have item removed from credit report but flagged account as Collection.
Consumer complaint received 2022-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (UT)

My family moved to XXXX  from XXXX a few months ago. Our checking account is currently still with Truist Bank in XXXX. We had a home closing scheduled on XX/XX/2022. At XXXX XXXX I called Truist to arrange a wire transfer of funds for my account in XXXX to the XXXX title company that we be conducting the closing. I was advised that I would need to appear in person in XXXX  to request the wire transfer. I explained that I was currently in XXXX and could not appear in person. After numerous conversations and waiting over one hour on hold to speak with the customer service agent ( who was in the XXXX and was not fully trained on XXXX banking policy ) I made attempts to reach the Truist corporate office in XXXXXXXX XXXX. Nowhere is there a contact number for the corporate office. All roads led back to the customer service office in the XXXX with more lengthy waits. Truist should have a procedure in place that allows a customer to provide sufficient identification and be allowed to submit a wire transfer request either online or by telephone. As soon as I am able to receive the funds needed to complete the closing on our new home, all Truist accounts will be closed. This is another example of a big bank not caring about its customers even in an emergency.
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (IL)

Debt Collector has placed a debt against me that is not my debt. This has been going on for years and has ruined my credit. They refused to delete this unknown debt and I have no idea where this came from. 

JEFFERSON CAPITAL SYST Account XXXX Account info Account name JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$270.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$270.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$270.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history 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 XXXX XXXX XXXX XXXX XXXX XXXX Collection I have been with XXXX XXXX XXXX for years. 

Please help me remove this.
Consumer complaint received 2022-04-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Client Services, Inc. (OH)

Client Services has repeatedly called me at all hours of the day, nearly every day, since XX/XX/2022. I have blocked the multiple phone numbers that they use, and have told them to stop calling me. They have yet to do so. If needed, I can provide receipts.
Consumer complaint received 2022-04-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2022-04-13
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. (IN)

These accounts were opened fraudulent and would like them removed from my TransUnion credit report. The accounts are listed below. 

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$0.00} Date Updated XX/XX/XXXX Payment Received {$8.00} Last Payment Made XX/XX/XXXX High Balance {$8.00} Credit Limit {$750.00} Pay Status Paid, Closed ; was Paid as agreed Terms Paid Monthly Date Closed XX/XX/XXXX Date Paid XX/XX/XXXX XXXX  Account closed at consumer 's request ; CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CHARGE ACCOUNT Balance {$0.00} Date Updated XX/XX/XXXX Payment Received {$0.00} High Balance {$0.00} Credit Limit {$1500.00} Pay Status Current XXXX Paid or Paying as Agreed Terms Paid Monthly
Consumer complaint received 2022-04-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/22 I went into chase bank located at XXXX XXXX XXXX XXXX XXXX fl XXXX to do an over the counter withdrawal with my XXXX XXXX  card. This is something I do every week at this location so I am familiar with how it works. The teller asked me to swipe my card the her system froze. The teller asked me could I swipe my card again because her system froze the first time and all the information disappeared. I swiped my card for the second time and her system froze again. She then asked me if I could check my net spend balance to see if the money came off my card. I showed her the baking app and text message I received showing the transaction amount {$1400.00} date and time showing the money was taken by CHASE BANK XXXX. She then said her system Was froze and she could not give me the money. I asked to speak to the branch manager who told me I needed to call XXXX  because she was not sure what to do. I contacted netspend while standing in the branch and they confirmed the transaction had indeed gone through in the amount of {$1400.00} at chase bank. They asked me to ask the branch manager to go in and cancel the transaction but she refused. They then said to get a letter or receipt from chase bank showing the transaction did not go through and chase branch manger XXXX XXXX refused both. I asked her how would I be able to prove they did not give me the cash if she doesnt provide me with proof to be able to dispute it or get the transaction reversed. She said she understood but did not know how to assist. She then gave me the number to CHASE customer receive which I called and they told me as the branch manager she should be able to see the transaction went through or provide me with a transaction number or a letter stating the funds were not dispersed but again XXXX refused. The agent over the phone with CHASE stated he would file a formal complaint against the branch manager but still I do not have my funds.
Consumer complaint received 2022-04-13
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. (OK)

n accordance with the Fair Credit Reporting act XXXX Account name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) with Account # 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
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DE)

REPORTING WRONG ADDRESS. 

To Whom it May Concern : XXXX XXXX I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to : XXXX XXXX XXXX My only Social Security Number is : XXXX My only and correct date of birth is : XX/XX/2001 Please remove all other addresses off my report as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AL)

I had money XXXX transactions coming out of my bank account. Wells Fargo decided to pay the largest of these transactions so they could collect fees on the other XXXX transactions. This is not allowed by law. I also did not authorize them to pay bills without any funds in the account.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

On XX/XX/2022, I received a text at approximately XXXX of my account being hacked into. I became aware shortly after XXXX. I had to scan my drivers license and facial recognition to get back into my account and found all my funds had been transferred from my savings and transactions had been made, all totaling up to {$550.00}. Ive filed disputes for the unauthorized transfers and transactions but Chime has denied both and refuse to refund my money that was taken.
Consumer complaint received 2022-04-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion confirmed verification of accurate with a disputed XXXX XXXX  account. I requested reinvestigation procedures within XXXX. I have not received the requested information.
Consumer complaint received 2022-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OPORTUN FINANCIAL CORPORATION (TX)

I submitted in writing on XX/XX/2022 via certified mail ( USPS tracking number XXXX ) a letter informing Oportun IncProgreso of an inquiry and their violation of the FCRA and Various US Codes that they are in violation of and demanded that the inquiry be removed as well as a settlement payment of {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 USC 1681n ] to which I received no response, which is also another violation. Please see attached letter that was mailed to this company.
Consumer complaint received 2022-04-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I went to a buy her pay her in XXXX. I had no money down and dealer wanted a deal. He put that I had a down payment of XXXX on a XXXX  XXXX XXXX. the payments was XXXX math. was making payments. all of a sudden car starts falling apart. rust and water damage let truck start falling apart start to complain he said I'm not in warranty. I gave them back there car and the auction the car for nothing now. now the want more money ... and it's damaging my credit report. please help remove thanks
Consumer complaint received 2022-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

As an XXXX I use XXXX to schedule clients and Square to receive payment. After a client paid with an XXXX that was on hold Square flagged the transaction as a dispute and subsequently used the next incoming transaction to cover the amount disputed. 

I have been using this system for about XXXX and I have never had a dispute. I attempted several times to resolve the dispute, but mobile aps don't give you 100 % access so I still had this dispute unresolved. Apparently the process for resolving disputes can be months and this has situations has cost me {$190.00} in dispute plus the {$190.00} ( which is the service fee for my next client ) for a total of {$380.00}. 

I did not receive any notification via email from Square to help resolve this dispute. I did receive a notification from Square and instruction to resolve that just lead my in a circle of confusion. I thought everything was cleared then I received another payment but instead of transferring it to my bank account they used it towards the first transaction that is on hold. 
As a service provided that makes no sense and is actually a liability that I can not afford. I will not take a loss of {$380.00} though, I expect those funds to be restored to my designated account and this dispute closed. I can be contacted by phone XXXX XXXX XXXX or email XXXX. 

I hope to hear from someone soon, and I'm incredibly disappointed and feel violated. I did nothing wrong but have to extorted out of {$400.00} from a provider I trust with my income transactions. Never again Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I have disputed Capital One Auto Finance information several times due to the inaccurate information they have reported to all three credit bureaus on my closed account. They have yet to remove the inaccurate information or send me copies of the information I requested to be validated. I used this company to purchase a car and I paid the loan off. I was never late on the account. They were inconsistent with reporting my payment history each month from the time the account was opened and closed. They have reported XXXX late payments on my account For other years they did not report any payments on my account. This situation is causing severe stress in my life. I have been turned down for jobs because of this and now I can not purchase a home because of this. There are so many negatives from this account on all three of my credit reports. I have asked for Capital One to validate this account and send all documentation to me to verify the validations and I have yet to receive anything.
Consumer complaint received 2022-04-13
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. (OK)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-04-13
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I made a deposit of {$500.00} to XXXX XXXX XXXX for a cruise that I was to take this summer. This deposit was made via a travel agent, XXXX XXXX and it was made with a XXXX XXXX. In XXXX of this year, XXXX. I reached out to the travel agent to cancel that cruise, the agent submitted a request to have the refund processed and that refund was processed on XX/XX/XXXX by XXXX XXXX in XXXX transactions of {$250.00} each to the original form of payment. In the following days, I monitored my credit card to check for the refund which never hit the account. After review on my end I realized that the XXXX XXXX  XXXX  originally used to make the deposit in XXXX of XXXX changed from XXXX XXXX  to Capital One Bank in XX/XX/XXXX and I was issued a new card with a new account number. When I contacted my credit card, now issued by Capital One Bank, they have no record of the refund. I then contacted the original bank that issued the visa, Comenity and they have no record of the old account at all which I can't understand. I spent over XXXX hours speaking with different reps, supervisors, etc to no success. The travel agent also escalated the issue to XXXX XXXX XXXX Research dept who confirmed the refund was accepted by the credit card and provided XXXX reference numbers for each of the {$250.00} refund. At this point, I don't know who else to call and no one can give me definitive answers as to the {$500.00} refund. I don't understand how the XXXX issued to me, even upon changing banks can not help or somehow connect the accounts. Thank you.
Consumer complaint received 2022-04-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

Experian Has Not Been Reporting My XXXX XXXX XXXX XXXX XXXX XXXX Credit Card, I had little to no help and was told to call the credit card issuer. 

I Called XXXX XXXX and was told it would take a while to report but I told them its been 7 months and Experian claimed to never gotten a Report. 

So now I dont know whos telling the truth or who is lying but my data needs to be corrected, 7months of credit history went unaccounted for on my Experian account.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This company is trying to collect a debt for XXXX that Ive already paid directly TO XXXX XXXX XXXX. I have sent them proof of the settlement with XXXX countless times telling them to stop contacting me for this account. Hey they have been calling me, my workplace and my parents. Its absolutely relentless what this company is doing. I contacted XXXX XXXX  and asked them to send me proof of the settlement which I then forwarded the proof to portfolio. In ALL of my letters I demand that they stop communicating with me via telephone and they do not stop!!! If this account is not removed I will be contacting an attorney for the many violations they have done.
Consumer complaint received 2022-04-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I filed a dispute in reference to in the items on my report. It has been well over 30 days and no investigation results have been provided.