davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
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. (GA)

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. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-15
Product: Credit reporting 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)

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. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX my mother was hospitalized and then XXXX XXXX XXXXntil her passing on XX/XX/XXXX. When I discovered that her Bank of America credit card had a {$15.00} charge from her internet provider and Bank of America had charged her {$19.00} in late charges and interest I called Bank of America at her bedside in late XXXX early XXXX to dispute the charge as well as Bank of America fees. The Representative told us that for me to speak to them he would have to add me as an authorized user. I agreed because of the dispute and our requested closure of the credit card. We were told that he would take care of our request due to the small dollar amount and closure. On XX/XX/XXXX Bank of America put a negative mark against my credit report as {$34.00} charge off! I spent XXXX hours and XXXX departments to get them to remove this from my credit report which by the way they did not even have my social security number in their system. The final response from the supervisor XXXX XXXX was that they would not waive the {$34.00} but that she would file a dispute with the credit bureau on my behalf. I never signed any agreement with BofA accepting responsibility for my moms credit card account, never made any charges against her account, only tried to close her account. This should not be reported against my credit reports and is causing me harm by reducing my credit score and standing.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-07-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (NV)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XX/XX/2023, USAA Bank closed my account because they stated I used my account for business transactions. I clearly stated and can provide proof that my account is only used for personal transactions. I am in the military and because of this account being closed, I have to go through the process of updating the military with a new account for my military pay and this will take at least 30 days to process. This will have a financial constraint on my family and I pleaded my case over the phone and provided verbally what the transaction are and what they were for but they still closed my account. They also didnt take anything I stated into consideration and would not provide me any proof as to how my transactions in my account was business related. They just closed the account on an assumption and never confirmed with me about anything.
Consumer complaint received 2024-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I am writing to address a matter of significant concern regarding my recent credit report. I have received a 1099-C for the following accounts : - XXXX - XXXX - XXXX According to IRS guidelines XXXX an unpaid charge-off is considered income. Additionally, the Fair Credit Reporting Act ( FCRA ) stipulates that income can not be reported on a credit report. After reviewing my most recent credit report, I have found that these accounts are still being reported. 

To resolve this matter fairly, I propose the immediate removal of these accounts from my credit report to comply with legal requirements. If there are any discrepancies or further clarifications needed, I am willing to provide additional information or documentation. 

I appreciate your prompt attention to this matter and look forward to a swift and fair resolution.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I have tried to dispute the account that total XXXX $ with the credit bureau. I sent several letters, also called and requested this collection is removed first attempt was XX/XX/XXXX, second attempt XXXX XXXX next XXXX XXXX and last attempt XX/XX/XXXX. I have also contacted the XXXX. This has continued to impact my life in a very negative way. I am in hopes to get some assistants in order to move this along and get this negative account off my credit reports.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WV)

Im sending thi complant again, to inform you, that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 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 XXXX
Consumer complaint received 2024-07-01
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (OK)

All of my student loans were paid in full without ever having a payment plan. They were paid in full from my personal earnings in XX/XX/XXXX. However, during Covid-19 Pandemic protection requirements, payments were deferred in XXXX through XXXX. The Department of Education shows my XXXX student loans XXXX late XX/XX/XXXX, and XXXX late XX/XX/XXXX. These late payments were posted even though all student loans nationally were deferred during these months. Accordingly, I am within my rights for these late payments be deleted permanently. DELETE THESE LATE PAYMENTS!!!
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/ I opened up an account with XXXX by Goldman Sachs. After transferring {$1600.00} from my bank account into the savings account, they randomly closed my account and said that I must call them to have it reopened. After having MULTIPLE calls with different customer service people, finally they concluded that they can't open my account and that all they can do, is close my account. One person prior to this even said that they would send me papers in the mail so I can have my account reopened, but 2 months passed and they never did, even though they said it would take 7 business days... So I decided I really don't have a choice but to close my account. They said that If I call back in 2-3 business days, we can TALK about having a check mailed to me. My account has been closed since XX/XX/XXXX and they still have yet to give me my money back. I'm so frustrated with this company and it feels like my money was simply stolen from me. Please help
Consumer complaint received 2024-07-01
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: WELLS FARGO & COMPANY (GA)

I disputed this account back in XX/XX/2024 thru CFPB. I received a response in XX/XX/2024 from Wells Fargo stating that they have knowledge of this account reporting inaccurate and inconsistent information. Was advised they were reaching out to the CRAs to ensure that this account reflects accurate information. They asked for XXXX days in which I gave them more time then they asked and that was allowed. This account is still reporting inaccurate, incomplete and unverifiable information. I have all documents supporting my claim and will attach them.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (WA)

My credit card was cancelled due to a fraud complaint, and a new replacement card was issued. So far, so good .... 

The problem is that in less than two weeks, two merchants who had the OLD card number were permitted to charge to the NEW card WITHOUT my permission. In one case, the merchant never had permission to do recurring billing. In the second case, I had granted permission for recurring billing, but was having trouble canceling. In both cases, I anticipated that my trouble with the merchants would be fixed as a side effect of the fact that the card they were using was CANCELED. 

But this is not what happened. Instead, they were allowed to continue charging the NEW card. I asked the company to explain how this could happen, and they were evasive at best. They said they would " look into it, '' but this is an unsatisfactory response given that the NEW card was less than two weeks old. It feels as if there must be some unacknowledged " back channel '' way that new card information is shared to merchants who do repeat billing. I understand that in some situations this may seem like a convenience to customers, but the lack of transparency is disturbing, and may be causing a lot of unauthorized transactions completed without consumer awareness.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I informed the credit company I am a victim of defamation and financial injury FCRA Section 605 ( c ), Section 611 Part ( A ) ( 1 ). As a result the accounts I informed them are reflecting with their company incorrectly. Therefore, Im not legally obligated or liable to pay any of these fraudulent accounts or debts under the FCRA.

I asked them to DELETE the mentioned accounts and they do not have the legal authority to decline this demand to block information based on the basis of a misrepresentation of fact by me the consumer, or any other reason under 905B ( c ). Based under 15 U.S. Code Subchapter III- Credit Reporting Agencies will constitute their organization 's willful negligent non-compliance.
Consumer complaint received 2023-11-07
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. (NY)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX 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 a account without my written instructions
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-06-07
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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 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 2023-11-30
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 (NY)

On XX/XX/XXXX, I received an AMEX gift card, which is worth {$290.00} as reimbursement to cover some of my guarantor fees paid for renting a room. However, I find I can't use the card online. The remaining balance exceeds the payment amount, and I even tried multiple times to make a smaller amount of payment, but all the attempts failed. 

AMEX made deceptive advertising that said you can use these cards ANYWHERE that takes AMEX. The website I was trying to use the card does accept AMEX gift cards ( I contacted customer support to confirm and they said they had no idea why these transactions were declined and asked me to contact AMEX 's customer support ) I contacted AMEX customer service several times and they can not offer me any resolution. They can not tell me why the transaction was declined, they can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not offer me a refund. The customer service simply does not provide any meaningful help or guidance to help customers fix this issue, after AMEX enticed customers to get their gift card by making the misleading and deception claim " it can be used anywhere that takes AMEX '' They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. Even in the case where I tried to use less than 25 % of the remaining balance, the transaction was still declined. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

There is just no way for me to use their cards. My money is inaccessible. All I want is the total balance on my cards in cash/check.
Consumer complaint received 2024-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (IN)

I am the insured owner of a property that was destroyed in a fire. The XXXX company named is XXXX. XXXX issued me a check in the amount of {$110000.00} on XX/XX/2023. I held onto the check beyond the expiration date and requested XXXX to re-issue the check, They advised they re-issue same. 
Sixty days later, I contacted XXXX to verify that the check had been sent. I was transferred by phone to the insurance XXXX XXXX XXXX, whose line went directly to voice mail. I made several attempts to contact XXXX XXXX, or anyone else that would assist me from XXXX. 
I contacted the mortgage company- PHH Mortgage Services , who advised that they had the funds. I asked them how did they get the check without my required signature, as both, myself and the mortgage company were required to sign off on the check.

I did not sign off on the check, not did I sign or agree for PHH Mortgage Services to have access to any of the funds from the check. 
How did PHH Mortgage Services end up with the check without my signature, and why wasn't I notified by either XXXX XXXX or PHH Mortgage Services of this action. 
It was stipulated on the letter with the check that both parties had to sign the check. 
PHH Mortgage Services is now in possession of my home owners property loss funds, while additionally charging a continued monthly insurance fee of over {$200.00} per month and {$500.00} per month on a totaled burned structure of which I am the owner. I have nothing.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

DEAR, TRANSUNION I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. PLEASE HELP ME REMOVE AND DELETE THIS INQUIRIES FROM MY CREDIT REPORT. XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX