davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Timely payments on this account have always been my priority, ensuring no instances of overdue status. I'm uncertain about the origins of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections are necessary.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Hello, I am a CapitalOne credit card customer. 

My payment was due yesterday on XXXX XXXX, however the website was down throughout the day. ( Screenshot attached below ). I made multiple attempts to login and kept getting the error message. When my work day concluded, I downloaded the app, and promptly made my payment. It was before XXXX in Colorado, so my payment was made on XXXX XXXX, 2023. However, a {$40.00} late fee was already assessed. I called CapitalOne and explained that I wasn't able to make the payment online b/c of the website glitch and that I wasn't able to make a phone call, and asked that they reverse the fee given that the delayed payment was due to errors with the website. I escalated it to a manager. They told me they would not reverse the fee.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX, is obligated by FCRA to report accurate accounting. Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for an e-oscar report, if XXXX does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers account.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC. (TX)

XXXX XXXX  Their FAQs state that I can transfer funds up to {$150000.00} per transaction and up to {$250000.00}. When I kept getting error messages, they told me they changed their limits to {$5000.00} per day. A significant drop and the account no longer meets my needs. They withdrew money from my external account. It is not available to me and I cant close my account because the funds are in process. The process part is completely on their side. My bank had already released the funds.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (VA)

Funds were withheld from my account without my authorization. I received a check but this did not begin to covered my reimbursement so I faxed a mediation request form on XX/XX/23 tracking number XXXX with confirmation of receipt. I was told by Wells Fargo that a case rep would be in touch within a week. I have heard nothing from a case representative and Wells Fargo is dragging their feet on reimbursement of funds they illegally withheld from me. I am a retired XXXX  XXXX with XXXX and need your help to get this process started
Consumer complaint received 2023-06-09
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. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

The following accounts I did not authorize them to be opened, and would like them removed from my XXXX XXXX consumer report. I have disputed them previously, and would like validation of the ownership if they can not be removed. Also, USAA will need to provide its verification process, in detail, as well ; rather than just responding with unsupported statements. 

USAA Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. ()

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2024-04-22
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. (TX)

In accordance the faircredit rerporting act acont # XXXX XXXX XXXX XXXX was opened XXXX XXXX XXXX XXXX XXXX  XXXX was opened XXXX # XXXX  XXXX XXXX  was opened XXXX
Consumer complaint received 2023-09-24
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. (CA)

To whom it may concern : I am asking you to review your data on file for me and ensure that it is accurate and up-to-date. I am challenging any inaccuracies in my report, under the Fair Credit Reporting Act ( FCRA ) section 611 and Metro 2 compliance standards. I also require that all inquiries within my credit profile have a permissible purpose and be accurately sourced, in order to stay on top of any potential issues. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I sent my letter off on XX/XX/2023 to XXXX for them to " investigate every piece of information on the accounts i listed below. Also i have attached the copy of my credit report i attached to the letter. 

According to the FCRA the term " Investigate consumer report '' means a consumer report or portion of thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not complete a proper investigation according to the law. Also every piece of information on those accounts are reporting 100 % accurate. And according to FCRA XXXX XXXX XXXX every things has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

Originally Debt from XXXX  XXXX and now with Genesis debt agency. 

The date of the debt is supposedly started in XX/XX/2022 debt was placed on XX/XX/2022 for unpaid Lease!! 

I have provided documentations stating this is false because the apartment Im leasing now is my very first lease and I pay on time. My lease date started here XXXX current. Also I stated I live all the way here in Arizona the debt looks like its in California. 

Please help! Im currently trying to move and this is not helping
Consumer complaint received 2023-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Concord Servicing Corporation (OR)

A timeshare contract was entered into with XXXX XXXX in XXXX of XXXX. XXXX XXXX breached the contract after receiving several thousands of dollars from XXXX. XXXX XXXX then sent the account to collections with Blackwell Recovery. XXXX disputed the collection account with Blackwell Recovery, and provided proof of XXXX 's claims to Blackwell Recovery, and Blackwell Recovery refused to process the dispute and provide a written response to the dispute. XXXX  then requested that the collection account be closed since Blackwell Recovery told XXXX they had to deal with XXXX 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. (IL)

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

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX  {$1500.00} XX/XX/XXXX XXXX XXXX  XXXX {$2000.00} XX/XX/XXXX XXXX  XXXX {$610.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$970.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2024-01-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA (CA)

I have applied for a credit extension to raise my limit 3 times with Goldman Sachs Bank USA and have unlawfully been denied credit and continue to ignore the laws. 
Regardless of the of the reasons for being denied? I have the right to the credit and with holding me access to my securities is securities fraud. The bank is violating The Equal Credit Opportunity Act and Consumer Credit Protection Act. The law could not be any more clear. 
Pursuant to 15 USC 1691a- If you are denied credit it is an adverse action. And it is unlawful for any creditor to discriminate against any applicant for ANY reason including bad credit.

It is the banks duty to extend credit.

Pursuant to 13 USC 8 & 15 USC 1692b - Consumer has the right to extend credit.

Pursuant to 15 USC 1602- I am the original creditor and denying me access to my own credit is fraud. Pursuant to this law I CAN NOT BE DENIED CREDIT. Its my right. Denying me my rights is securities fraud.

Pursuant 12 GFR 1002.4 cant deny me credit under ECOA. These laws cant be any more clear. Why am I continuing to argue this nonsense and why is nothing being done about it.. The bank has no authority over these laws. Why are they getting away with it? This illegal activity stops now.. I request for the last time for this Bank to raise my credit limit. Its my right ..Im exercising my right.
Consumer complaint received 2024-04-22
Product: Credit reporting 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. (AZ)

I called XXXX, to remove this unverifiable and inaccurate information per the FCRA. 
The representative asked me 2 each question to verify myself which i complied but after the second request, i said why u want my email address, it's not reporting on my file?

We get in my account ironically and i say these accounts need to be removed because these are unverified. she said i need to write a paper to send to them. I said where in the law or policy does it say that and send me a copy so i can comply. Me the living woman am doing what is required of me, which is to call verify myself and get this removed. Now XXXX already removed them, and admitted they gave companies permission WITHOUT my consent to look at my credit report and offer me deals, that i always get denied for. Its not fair, its an invasion of privacy, this goes against the FCRA, PRIVACY ACT, and many other laws made to protect me. 
The rep argued back and forth i said let me speak to a supervisor. They transferred me to the supervisor on XX/XX/year> @ XXXX XXXX XXXX time. and they hung up on me. 
they can not negatively report on my account and get away with it. 

I am seriously harmed non physically by XXXX, because they could have easily removed it like XXXX did, instead they left it on my report and i get denied for almost everything. since they both ( all credit reporting agencies ) give permission for companies to look at my file without my ORAL/WRITTEN CONSENT. 
I need to be COMPENSATED.
Consumer complaint received 2024-01-04
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: SIMMONS FIRST NATIONAL CORPORATION (TN)

I have called and mailed XXXX multiple times and also have been discussing with Simmons Bank my mortgage account # XXXX. XXXX accidentally removed my mortgage from their reporting almost a year ago. My bank Simmons Bank has also been sending XXXX the data to report but they are failing to do so. I've called recently and they requested i send my contact information to approve the reinsertion of Simmons Bank Mortgage account # XXXX. I have provided ( Attached ) a credit report from XXXX showing they where reporting my mortgage before account # XXXX. Also ( Attached ) I have the letter Simmons has sent XXXX time and time again. Furthermore, I have attached my recent XXXX and XXXX Reports showing this account in good standing. I need XXXX to insert this loan and history into my credit file and be fair to me in their reporting. XXXX has recorded calls of me calling about this and we have a paper trail over one year requesting this to happen. Our next step if XXXX doesn't comply is to exercise our rights under FRCA guidelines.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (KY)

I have attempted to correct this multiple times now. The credit bureaus continue bending the law and violating the Fair Credit Reporting Act. 

According to 15 USC 168i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission According to 15 USC 1681s-2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

Account XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-11-08
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (VA)

I received an AMEX virtual gift card on XX/XX/XXXX. I first attempted to check the card balance via their website, and have been unable to do so since receiving the card, I've tried everyday for the past 4 days. Attempts to make online purchases following their directions, ( only attempt to purchase from places that require the security code, make sure the cost of the purchase is less than the amount on the card, fill in my own name/address when asked ), has always resulted in the card being declined. I called customer service for assistance, told them their website was down, and that my attempts to make purchases at XXXX, XXXX XXXX, XXXX, and XXXX were all declined. I was told that everything was fine on their end. I asked what is the resolution for when their gift cards aren't working, I was told to continue to try using it at different retailers and at different times, and that if the problem happened again to call back. I then asked for whatever resolution would be offered at that time to be offered to me while I was on the phone, and then realized they had not resolution. Their fix was to keep getting the card declined. In fact, the call ended when I was told, 'the card is good ma'am. '' After that call, I was able to get a {$40.00} food delivery to go through. I figured I would just use the card for food deliveries, but in trying to make another purchase the following the day, the card was declined on multiple platforms, ( XXXX, XXXX and XXXX ). I tried to add the card to my XXXX and XXXX XXXX accounts, declined. I tried to purchase a XXXX XXXX XXXX so I'd actually be able to use the money, also declined. I tried to make a purchase in-store by typing in the card number, declined. At this point there is {$460.00} gifted to me that I am unable to access and I am thoroughly frustrated by their lack of customer support or even concern. Especially since a quick XXXX search shows that many others have found themselves with a useless AMEX gift card. They need to do better.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these items and it is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable items listed below : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXXXXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX XXXX Account XXXX : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I have not received physical mail during this or last month 's billing period. Also, the minimum monthly balance for XXXX was paid, but I received a notification that I didn't pay. This information needs to be more accurate with the credit reporting agencies. Lastly, I disapprove of any of these agencies using my personal information.
Consumer complaint received 2024-04-22
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX  - XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

Inquiry on XX/XX/XXXX by XXXX XXXX XXXX is a act of fraud and was not requested by my nor did I give anyone else permission to apply for any credit product in my behalf. I spoke with a fraud specialist on XX/XX/XXXX. Upon clearing up some previous issues, it was suggested to me to add a fraud alert to my account so I will be notified by the prior to any inquiry being performed. I was not contacted by XXXX prior to them performing a inquiry nor could they provide any proof that someone received permission from me to run my credit.