davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-04
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. (NJ)

In accordance with the Fair Credit Reporting act 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 2022-09-04
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. (OK)

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, all have 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 2022-09-04
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. (TX)

Open : XX/XX/2019 Amount : {$730.00} accordance with the Fair Credit Reporting act XXXX XXXX  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 2022-09-04
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. (TX)

I have made on time payments for years never have been late because student loans were in deferred. I am currently a couple years up current but I ask that these late payments be immediately removed. This account number is XXXX name of account is XXXXDept of ed
Consumer complaint received 2022-09-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I WILL NEVER HAVE OWNERSHIP OF MY HOME JUST RENTING. BEING DEPRIVED OF MY VA BENEFIT. IT HAS COME TO MY INTENTION THAT I AM PAYING PROPERTY TAXES FOR A HOME VALUED AT {$330000.00} COMING OUT OF THE ESCROW OF {$340.00}, WHICH IS {$340.00}. COMES TO {$4000.00} PER YEAR THE ESCROW IS {$480.00} WHICH LEAVES {$130.00}. NO PMI, OR FLOOD INSURANCE IS NEEDED FOR VA. SO WHERE IS THE OTHER {$130.00} GOING? TAX AND ASSESSMENT SAYING I AM EXCEEDING MY LIMIT FOR MY HOME VALUE. MY PROPERTY TAXES SHOULD BE JUST {$3100.00}, {$250.00} MONTHLY FROM {$480.00} WHICH LEAVES {$220.00} IN ESCROW. WHERE IS THAT GOING, I AM NOT IN A FLOOD ZONE. IT STATES THAT THE LENDER I RESPONSIBLE FOR GIVING PROPERTY VALUES TO THE CONTROLLERS OF REAL PROPERTY. I WILL BE SENDING COPIES TO CFPB.
Consumer complaint received 2022-09-04
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. (OK)

In accordance with the Fair Credit Reporting act # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,, In accordance with the Fair Credit Reporting act # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (AZ)

I have written an email requesting my lawsuit award from Wells Fargo and the email site that was provided by the Wells Wargo  site does not answer. This was not followed up. Wells Fargo is accountable and is holding my settlement.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION (OK)

I applied for a job at XXXX '. On Monday XX/XX/XXXX, I was interviewed and hired on the spot. On Tuesday XX/XX/XXXX, I was emailed a request by third party First Advantage, to provide answers to questions pertaining to a consumer/criminal background check, through a link they provided. It started off asking criteria for addresses for the past 8 years. Since I lived at my current address for over 8 years, I used only one address, my current address. Usually, when companies asked for addresses, they ask for 10 years, and do a criminal background check going back 10 years. 

First Issue, fraud, deception and Not Full Disclosure : First Advantage included incorrect information on my file, going back 24 years. The criminal background check for XXXX, through First Advantage, included an 8 year criminal check. Then they ask for misdemeanor, felony convictions. I had a misdemeanor 24 years ago, which I disclosed, and First Advantage agreed that the background check would include 8 years worth of search, but deceived me. They should have asked for 24 years of information, addresses and searches, if they wanted it. 
Additional failure to disclosure/No space to type response Second : They did not give me sufficient time, and typed space to provide more information about the background information they inquired about. In fact, only one sentence, 75 characters could be typed. I was supposed to be given 7 days to get the information to First Advantage, but after a day, I received a declined offer from the employer. If I needed just 1 day to get the information back in, then it should have been provided and disclosed properly. 

I was required to get a police report for an allege offense in XXXX, which is unreasonable. To get any offense report, you need the date, time and address. Supposedly it happened in XXXX, when I was arrested getting my license renewed at the XXXX. That date would be a good guess, because I was not involved. It is a mistake of false witness identification and that was the difficulty obtaining it. Still, First Advantage gave me 7 days to try, but did not communicate this with their client, XXXX 's, who rescinded the officer before the 7 days had expired. 

First Advantage is a fraud, and deceptive company who set criteria of 8 years for criminal searches, but goes further in the past than that. In my case, they went back 24 years, which was not disclosed on the criminal background questionnaire sheet. My understanding that for background checks purposes, information older than 10 years can not be disclosed to the hiring company, per federal law. 

This is fraud, deceptive business practices, and a clear violation of the FCRA
Consumer complaint received 2022-09-04
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: SYNCHRONY FINANCIAL (NY)

Synchrony bank harasses me for another person 's bill, harasses me in person and slanders me for not paying when the charges are in dispute someone elses account on my credit report slandered and harassed over dispute
Consumer complaint received 2022-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Opened XXXX. XXXX, 2018 Account status Open PORTFOLIO RECOVERY {$2100.00} That I owe I have never signed any written document saying that owe this debt to the collector. 
they are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
also, they have not verified that I owe this debt to this alleged company. 
please have this removed from all three credit bureaus. 

XXXX XXXX
Consumer complaint received 2022-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Opened XXXX XXXX XXXX  Account status Open PORTFOLIO RECOVERY {$2600.00} That I owe I have never signed any written document saying that owe this debt to the collector. 
they are violating my rights of the FCRA as a consumer. 
i do not know who they are and have not written consent from my end. 
also, they have not verified that I owe this debt to this alleged company. 
please have this removed from all three credit bureaus. 

XXXX XXXX
Consumer complaint received 2022-09-04
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. (CA)

A dispute regarding the amount of a charged off XXXX account was presented in late XXXX XXXX Credit score was XXXX at the time. After XXXX responded and confirmed account details. TransUnion and XXXX score dropped to XXXX. The following week, XXXX updated credit report with company response as the reporting date for delinquent account and the score dropped to XXXX. This account was opened back in XXXX and charged off in XXXX or XXXX. There is no reason why the new reporting date should be XX/XX/XXXX. There is no new information on the account that has changed. A dispute response date from company should not be utilized as date of delinquency which they have factored in to determine my new score. The age of the account along with the status of account and all delinquent payments remains exactly the same after dispute was concluded.
Consumer complaint received 2022-09-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

Twice, in 4 billing statements ( first 4 specifically ), Toyota XXXX has sent me a bill that includes a due date, but will not let me pay it online on the due date due to either a holiday, weekend, or both. This time, due XX/XX/2022 ( today ), I made an online payment before the cutoff time ( around XXXX XXXX ), the website said it would not be applied by to the due date due to being past the cutoff time. It then said it would be applied XX/XX/XXXX, and then after it was paid, it the payment receipt shows it will be applied the XXXX ( I have screenshots of the whole process ). XXXX  I hasnt responded to me on a prior complaint of this, nor about a refund I have been due for weeks/months due to dealership sneaking in an extended warranty that is basically the manufacturers warranty. Nobody seems to be holding these institutions accountable. If I have a bill that says its due the XXXX, and they accept my payment that date, why are they able to say they will take it but not apply it? Its a good fraud, and there needs to be accountability.
Consumer complaint received 2022-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Opened XXXX XXXX, 2018 PORTFOLIO RECOVERY Account status Open {$1200.00} that i owe. 

I have never signed any written document saying that I owe this debt to the collector. 
they are violating my right of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
also, they have not verified that i owe this debt to this alleged company. 
please have this removed from all three credit bureaus. 

XXXX XXXX
Consumer complaint received 2022-09-04
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. (NJ)

I recently sent a dispute to this agency and their investigation stated that these accounts are accurate. I have provided proof to show an accuracy reporting also under 15 USC 1681 604 A section 2 states no consumer reporting agency shall furnish a account without book assumer written instructions I did not give this consumer reporting agency written instructions I am requesting that you show my written instructions on file to furnish these accounts XXXX  XXXX XXXX  XXXX
Consumer complaint received 2022-09-03
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. (GA)

I have unauthorized inquires on my credit report ; XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX )XXXX XXXX XXXX  ( XX/XX/XXXX ). I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2022-09-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

Dear Sir/Madam, I received your email regarding my complaint against JPMorgan Chase & Co. as the beneficiary institution. Unfortunately, you are still ignoring the fact that this complaint is not about the same issue as the previous one. 

The main reason why I keep contacting you is not the fact that my funds were sent via this bank but that the scammers are clients of Chase Bank and registered as XXXX XXXX and " XXXX XXXX ''. JPMorgan Chase allowed these criminals not only to create an account but also to receive money stolen from innocent victims like me.The financial institution shall seek further information or/and documentation from the client in order to help create a proper KYC profile, and when the movement of large sums of money is concerned, to verify the legality and legitimacy of its sources. Their organization, by its conduct, has evidently failed to perform adequate Anti-Money Laundering and Know Your Client ( combined as XXXX procedures ), as those procedures are commonly known under the applicable guidelines and enforcement rules. The financial institutions should battle, Fraud, Money Laundering and XXXX Financing, these guidelines list specific Low and Higher-risk factors that firms should have regard to. 

Such neglection of all of the security measures from the side of Chase Bank as the regulated financial institution is totally unacceptable. Moreover, as they are registered in the XXXX which as a country is a member of the XXXX XXXX XXXX XXXX ( XXXX ) they should have paid an additional attention to such situations. However, they have chosen to ignore it and pretend that nothing is going on and there are no fraudsters who use their services. 

According to all above, I am again asking you to proceed with your own investigation on that matter. 

If you need anything from my side please let me know, I will be glad to do my best in order to make the process as fast as possible. 

Kind regards, XXXX XXXX.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (AZ)

I have filed one complaint already about Specialized Loan Servicing ( SLS ) and the fact the the mortgage was paid off. Once again, SLS has put the loan amount back on my credit which has since lowered my credit score again!!! SLS needs to remove the paid mortgage off of my credit with XXXX because they are showing the mortgage has an open balance!!!
Consumer complaint received 2022-09-04
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I tried to cash a {$12000.00} settlement check at 3 Regions Bank in XXXX Florida. The first bank, located at XXXX XXXX XXXX XXXX XXXX, said they didn't have enough of moneyto cash the large check. The second bank, located at XXXX XXXX XXXX XXXX, discriminated against me by telling a lie about their check cashing policies. The teller told me he could not cash my check because I wasn't a member and so the bank could not put a hold on the check. I told him that I had just spoken with a someone before traveling all the way out there and that I believed he was discriminating against me because I was XXXX and had a large check. He said no the bank policy says they can't cash checks for non-members. I walked outside and called the Regions bank located at XXXX XXXX XXXX XXXX and was speaking with the same person while I was still at the XXXX location. He ( a manager I believe ) told me the bank called him and said they didn't have enough money to cash the check, but I told him the tellers just refused to cash it and that he may have spoken to the first bank I went to located at XXXX XXXX XXXX XXXX. I walked up to the teller again to get a clear understanding while I was on the phone with the manager, but this time two tellers said no it was against the banks policies. The manager I was speaking to on the phone heard them and told me he did not know why they said that and to come to his location and he would be able to cash the check if they could verify it. I started walking away from the tellers and told them that I will be filling a complaint. I ended up going to the Regions bank located at XXXX XXXX XXXX XXXX XXXX because that was the location I had spoken to the manager originally. That location said they wouldn't cash the check unless they could make a copy of my settlement letter which they had no business asking for because it was private. In the end I agreed and they copied my letter. Within 1 minute after copying my letter the teller said they couldn't cash my check because they couldn't verify it. I was confused at why they wanted a copy of my settlement letter first if they couldn't verify the check. This while ordeal was XXXX  and I know the second bank discriminated against me so I'm filling this complaint.
Consumer complaint received 2022-09-04
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: OneMain Finance Corporation (TN)

Hello to all involved. My credit file reports that One Main financial has pulled my credit which subsequently gave me an inquiry. I have not worked with one main in a while and feel that while I was recuperating from Covid, my account was susceptible to fraud. I have not requested a loan this year.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I tried to buy a used XXXX XXXX from a used car dealer and I was not able to register the vehicle because CAPITAL ONE NOR THE DEALERSHIP HAD A TITLE for this car, so I demanded all my payments and my down payment of {$15000.00} back. They both had ( 7 ) months to obtain a title and neither one could produce one, so after my money was returned.CAPITAL ONE reported me t the credit bureaus as ( 30 ) days late, which decreased my credit score by nearly ( XXXX ) points. Now they refuse to correct their mistake for violating the Ga state statute on selling cars without a valid title and leal ownership.
Consumer complaint received 2022-09-04
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. (GA)

I am having a problem with Transunion taking the hard inquires that are reporting on my credit report. I explained to them that I did not make them inquires and I even sent in my government state ID ' s and my S.S. card as they requested. Please do a follow up. Thanks.
Consumer complaint received 2022-11-16
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. (CA)

In accordance with the Fair Credit Reporting act XXXX 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 2022-11-16
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. (GA)

First and foremost i have been dealing with this issue for months now as while as numerous other problems with this company XXXX have horrible customer service I have spoken with numerous of different customer service representative and supervisors with in this company and they all give me the same exact step to take in order to get these fraudulently items off. I have not apply for any of this items they say the investigated and I came back accurate once I fill a complaint but they have not provide with any results of an investigation. Tell these places to prove proof of identity that it like a copy of State identification card that is required in order to apply for any line of credit please conduct a proper investigate or remove theses fraudulent inquires!!! Then the response time always take more than 30 days very horrible customer service I have reached out to XXXX numerous times about this issue I was talked to very rudely and i told to take these steps a second time by a supervisor within the company I have been a victim of fraud someone has been trying to open up accounts with my information I have listed the ideas below please help me resolve this issue once and for all XXXX XXXX XXXX  XXXX XXXXXXXX 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