davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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. 

Account Name : XXXX XXXX Account Number : XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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. 

Account Name : XXXX XXXX Account Number : XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KS)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # START 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 2024-07-15
Product: Credit reporting 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: CORELOGIC INC (WI)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (SC)

I was scammed on cash app for XXXX dollars. I XXXX the number for Cash App and call the number the lady stated her name was XXXX answered and stated that I have been in a security breach and my information including bank information debit card information has been compromised. I was asked to download XXXX XXXX on my phone once the app was downloaded. The call was disconnected and I was called from a different number. The lady stated that her name was XXXX and she would be assisting me with, removing the security breach from my phone, she asked me to open up my bank account information there she retrieved my Social Security number. She had me too upload my daughters debit card to my cash app and move {$500.00} from her account on XXXX which is under my XXXX account to my cash app once the money was moved to my cash app she then had me to send the {$500.00} to XXXX XXXX After that was done she had me to send the XXXX to XXXX once in XXXX she had me to use my passport to verify identity once I verified identity. She removed the money from XXXX. I was given a long code to place in the XXXX XXXX send money section. The numbers that I called were XXXX the number she called back after XXXX XXXX was downloaded was XXXX. In total there was XXXX dollars I didnt authorize taken from cash app.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NH)

On XX/XX/year>, I contacted Discover Customer Support about being the victim of fraud in XXXX, where I was not allowed to leave a parking garage unless I paid them over XXXX euros for 2 days of parking despite posted signs stating the day rate was XXXX euros. I explained the situation to discover and was told that this is something that I would be able to rectify by opening up a dispute. I stayed on the phone with the rep asking what information I would need in order to properly open the dispute. I gathered all of this information and submitted a dispute. I was notified that Discover ruled against me in my dispute because the merchant responded. The merchants response contained no factual information and all of their provided photos were not accurate representations of what the posted signs were. 

I spoke with a representative today, XX/XX/year>, who notified me that my dispute was denied as it does not fall under Discover 's ability to dispute it. This directly contradicts the information that was given to me on XX/XX/XXXX and yesterday, XX/XX/XXXX.
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CA)

Various accounts were opened in the year 2023 XXXX I was unaware of credit because it has been bad for years due to bad school loan.. so credit was never really an option for me ..come to find out I was attached to various accounts including XXXX, XXXX, XXXX XXXXXXXX XXXX.. There has been various notifications from our post office of stolen mail. And I have received numerous alerts and letters stating accounts being attempted to open. Police report was made as well with XXXX Police Department.
Consumer complaint received 2024-07-25
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service (GA)

On XX/XX/XXXX, we purchased a refrigerator which had a sign on it that guaranteed 0 % interest for XXXX months on XX/XX/XXXX. We contacted the company because we were not given the 0 % interest. We were told that we needed to supply all the documentation and then we received written response that it was being fixed on XX/XX/XXXX we called the company because it still was not being fixed. We were told it would be done in XXXX to XXXX hours on XX/XX/XXXX. We called again and was told that it was being reviewed today. We were just told that they are having a hard time honoring it because we do not have the promotion code, however we have a picture of the promotion on top of the refrigerator that we submitted. We are getting the runaround. No one is assisting us at the company. We spoke to XXXX XXXX email only as you are not allowed to call and she said they would honor it we now spoke to XXXX, XXXX and Customer Service who says that, they have no control over the promotion department and we have no course of solution. This is advertising and we are requesting your involvement to have this resolved and any actions that can be taken against this practice of the XXXX military star credit union
Consumer complaint received 2024-07-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (PA)

My credit report is showing a collection account from SEQUIUM ASSET SOLUTION on XXXX. I didnt receive written notification about this debt therefore I didnt have a chance to dispute on my behalf. I am also requesting debt validation according to 15 USC 1692g I am requesting in the debt validation for a detailed list of my history of payments made on this account, I want to see my signature that I put on a contract guaranteeing that I pay this creditor, has there been an insurance claim filed, and lastly I want to see the proof that you have chain of title to collect on this debt. Without proof of this information this collection should be removed immediately.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CO)

Since XXXX, US Bank has started charging me a dormancy fee of {$5.00} per month. In speaking with a representative, I learned that they sent a single notice via standard mail in XXXX before applying this fee. They had my phone number, email address, and physical address, yet nothing was sent via certified mail. If the single mail notice was lost, they proceeded to charge the fee without further attempts to contact me. 

Despite receiving numerous promotional emails from US Bank, I received no phone calls or additional notifications regarding the dormancy fee. One would expect the bank to use multiple means of communication before imposing such a fee. This approach seems like an unfair tactic for banks to generate fees without adequately informing their customers.
Consumer complaint received 2019-07-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd ()

Dear Sir or Madam, My name is XXXX XXXX XXXX from XXXX, owner of XXXX XXXX XXXX XXXX a travel agency holding a membership account with Transferwise. 
Were informed about XXXX XXXX is apparently one of the Transferwise partner banks and we are contacting you for help since Transferwise staff say that the matter is beyond their control and its to be handled by their partner bank. 
On XX/XX/1919, we initiated a XXXX USD wire from our Transferwise account going out to XXXX XXXX XXXX as payment for gorilla tracking tickets for our clients. The wire was meant to take just a few hours to reach the recipients account but didnt. 
On Tuesday XX/XX/1919 afternoon, we received an emails from XXXX saying ; Hi XXXX, Im getting in touch regarding your recent transfer no. XXXX with TransferWise in the amount of XXXX USD. 
Due to our regulatory obligations as a financial institution, we sometimes require to conduct due diligence. Which means- were occasionally required to ask for additional information from our customers. 
Therefore, please reply back to this email and provide us with the following : What is the purpose of this payment? 
Please advise what XXXX in payment reference field is referring to? If it is an individual, please provide us his full name and date of birth. 
Is there any direct or indirect involvement of any prohibition countries ( XXXX XXXX, XXXX, XXXX, XXXX, and XXXX ) in this payment/transaction? 
Please note that should we not hear back from you, we will not be able to proceed with this transfer, nor will we be able to process any future transfers for you. 
Best regards, XXXX We sent all the required information ( in attachments here ) and followed up with several emails but there has been absolutely no response neither have they remitted the funds to the intended recipients account. 
And just to help you understand our company better, were a safari agency and the funds we transfer are actually not ours but were sending them out on behalf of our customers who even have no idea about Transferwise. The funds are meant for gorilla passes for our customers, some of whom are already in the country but cant see the gorillas because funds to purchase gorilla tickets are being held in Transferwise partner bank which do even understand the urgency of the transfer and the frustration this causes to customers and our agency as TW customers. 

XXXX
Consumer complaint received 2024-07-15
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: AMERICAN EXPRESS COMPANY (TX)

In XXXX of XXXX, I met a guy off XXXX who lived in XXXX. He told me he was a punter who was a XXXX XXXX player but new to the team, and said he had a fundraiser for his XXXX with the team and asked me to donate. I searched his name on the internet, and sure enough, stories from credible news sites popped up with his story of playing football and XXXX. He then told me his mom was not in good health, and his credit card was not delivered since he moved here recently and asked me to send money since he didnt have any one else to ask at the time. I said sure, and sent him some money on my credit card. He continued to do this for a few months ; claiming eventually his mom died, he needed money for funerals etc. I then find out though my friend, he has been lying this whole time and has been doing this to many other girls, including those in his apt building in XXXX. I find out the leasing manager was scammed by him, and many other women. I post on a XXXX site asking if anyone else has an issue with him, and about 30 girls commented same issue. The issue Im having is I sent these payments through my credit cards, and at the time I believed he was telling the truth, and did not think he was a fraud. However I then find out he is, and by then it was too late. Its a shame the credit card companys wont help me, as this is clearly fraud. He goes out of his way to make up lies, and gets people to send him money. I also filed a police report with the XXXX police as there is an ongong investigation. Its sad I can not dispute these chargers as it is a lot of money, and I was deceived by his lies to send this money. He even said it was not a gift, he would pay it back.
Consumer complaint received 2023-10-26
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. (FL)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

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Consumer complaint received 2024-07-22
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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-07-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (NV)

I received a title loan in the fall of XXXX from One Main Financial. The company used high pressure sales tactics to enforce add ons and while I understand that I should. ha ve ran the other way on not gone down the path of getting a loan with these crooks, I was in a bad spot only to learn that it could get much worse. I lost my job in XXXX XXXX XXXX  and was actually making payments greater than the actual loan amount prior to this happening. 

I could barely make rent at this time and while I understand the loan went into default, basic survival was what I was focused on. I no longer have access to any of the loan details, requested the information via email which they have de need me do to " Security '' purposes. In the end, they used high pressure additions, consistently offered loans to refinance and now refuse to do any communication with me accept over the phone which will lead me right back into a rabbit hole of high pressure enforcement on this debt. 

I have no clue why companies such as One Main or any lender can get away with charging astronomical interest fees praying on the people whom do not have the means to pay the loans in the first place. The loan is essentially a {$8000.00} loan that is really {$13000.00} due to the additional fees applied from interest and the additions they force you to sign up for.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (AZ)

Deposited a check on XX/XX/XXXX, for {$2500.00} via mobile deposit into my Huntington Bank account ( savings ) XX/XX/XXXX the hold was released. The funds were in my account but I have not been able to access them. My account was closed with the funds on it. I have been told a hundred different visions when I contact Huntington through the branch, fraud, customer service, XXXX. At this point I dont know what to do.
Consumer complaint received 2024-07-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (FL)

I contacted the debt collector and requested information pertaining to the debt. Advised per the apartment complex I was told to give up possession or pay rent. I decided to give up possession. I was advised I would not be charged only to find out I was reported to the collection agency where I was advised the complex charged {$1000.00} for carpet fees for utilities which I paid utilities separately from rent. And additional fees. I have tried numerous times to dispute this with the agency and no success.
Consumer complaint received 2024-07-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MN)

I received an Amex XXXX Gift Card. I attempt to use this on XXXX. And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Consumer complaint received 2024-07-15
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: Prosper Marketplace, Inc. (FL)

There is a transaction from XXXX for XXXX that has been billed XXXX times for a charge that its fraudulent. I have contacted prosper card services via phone and in writing many times including today where I spoke with XXXX. The company refunded XXXX of the charges then added it back the next day as well as again in XXXX on the XXXX. 
XXXX committed on twice XX/XX/XXXX refunded XXXX then on XX/XX/XXXX for XXXX this is THEFT I want theses removed. The company even reissued a card telling me it was resolved, and it IS NOT I am still be billed XXXX not once but now twice please have them remove asap I am paying for interest on fraud ... I am still being chargedXXXX XXXX 's still remaining this is the worst service I have ever seen it is Mid XXXX
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX about EQUIFAX, INC.. XX/XX/2018 Filing a dispute had no not change nor been fix from Equifax I still cant login to do another dispute I sent documents after documents notary fax ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ;