davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

Notice to opt Out Per 15 USC 6802 Per the FCRA ; as a Federal protected consumer, I am now opting out of any and all authorization I the consumer may have given you or your company in written, non-written, verbal, and non-verbal form. 

I am rescinding all authorizations per 15 USC 6802. 

This is effective immediately and indefinitely.
Consumer complaint received 2024-02-20
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. (NY)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Consumer complaint received 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (WA)

I applied for SKYPASS Select Visa Signature Card, provided by US Bank, in XX/XX/XXXX  through their official website. ( https : //www.skypassvisa.comXXXX XXXX XXXX XXXX XXXX XXXX  ) and received the card in early XXXX. When I applied from the website, it clearly said " Earn XXXX Bonus Miles when you spend {$5000.00} in eligible purchases within the first 90 days '' and also there was even a news release from US Bank saying the same bonus ( https : //ir.usbank.comXXXX-XXXX-skypassXXXX ) It was not a personalized offer, but a public offer accessible from anyone from the website. 

I met the {$5000.00} spending criteria in the first month, but when I got the first statement in XX/XX/, it appeared that I only got XXXX bonus miles. On the statement, it says " XXXX Bonus Miles with {$3000.00} Spend ''. Not only the bonus miles, but also the spending criteria was incorrect. It was a totally different offer than what was advertised. 

Since then, I called them several times to fix the issue ( and at least to understand what exactly happened here ) and their response was always the same ; That's the offer you got and it could be different than what's advertised. It was very disappointing to hear that and nobody provided me WHY suddenly my offer was changed without any notice. I even felt like myself being a victim of scam.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NC)

XXXX XXXX XXXX " Dept Of ED/NELNET '' is reporting an account/s to my Consumer reports that I didnt give any express permission or permissible purpose to report which is a violation of my rights according to law. 15 USC 1681b ( 2 ).

As a Consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My personal information is my business, my student loans are my NONPUBLIC personal information and Dept Of ED/NELNET have reported my nonpublic personal information without my consent to a non-affiliated third party which amounts to AGGRAVATED IDENTITY THEFT. 18 USC 1028A.

15 U.S. Code & 6801 - Protection of nonpublic personal information It is the policy of the Congress that each FINANCIAL INSTITUTION has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information.

According to the FCRA the above servicing company has violated my rights by providing my confidential and private information to a non-affiliated third party without my permission or without giving the proper disclosures.

Pursuant 15 USC 6802 Account # XXXX x XXXX
Consumer complaint received 2023-09-07
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. (OH)

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.

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 2023-09-07
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. (OH)

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.

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 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2023-05-20
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. (GA)

I am writing to file a formal complaint against XXXX, XXXX, and TransUnion for their persistent violation of the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to address the issue, the following violations have remained unresolved : 1. Failure to Update Paid Charge-Off : I successfully resolved a paid charge-off with XXXX XXXX XXXX and XXXX XXXX XXXX Written documentation exists, confirming their promise to remove this charge-off from my credit report within 30 days of payment. However, it continues to be reported on my credit report, even though we have entered into the year XXXX. 
2. Illegal Debt Acquisition and Pursuit : On XX/XX/XXXX, I communicated with XXXXXXXX XXXX XXXX, a collection agency, explicitly instructing them to return the debt to the original creditor, XXXXXXXX XXXX. It is essential to note that acquiring debt and pursuing individuals without explicit consent is a violation of the law. I have no signed agreements with these collection agencies, and despite my request, they have failed to comply with returning the debt. 
As a result of their non-compliance, I am prepared to take the following actions : 1. File complaints with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX ( BBB ), Federal Trade Commission ( FTC ), and the Attorney General. 
2. Retain the services of a consumer attorney to pursue legal action. 
3. File complaints against the credit bureaus for damages. 
I firmly believe that the gravity of these violations should not be underestimated, and it is crucial for [ Name of Creditor/Collection Agency ] to promptly rectify these issues. Failure to do so will leave m XXXX, XXXX, and TransUnion no choice but to proceed with legal action and further complaints against your organization. I have attached copies of previous correspondence, including the documentation of my instruction to XXXX XXXX, XXXX. Please consider these documents as evidence supporting my complaint. 

I kindly request your prompt attention and investigation into this matter. I look forward to your assistance in resolving these violations and enforcing my rights under the FCRA.
Consumer complaint received 2023-08-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I hold a mortgage on my home with Fifth Third Bank. The bank placed a hazard insurance policy on my home XX/XX/2023. Since XXXX, I have made XXXX request for the bank to send me a " FULL DISCLOSURE '' of the insurance policy. As of today, XXXX 2023, the bank has refused to do so.
Consumer complaint received 2023-05-20
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)

15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! Account Name XXXX Account # XXXX
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX XXXX  I have noticed unknown charges on my account on a card which I havent used or activated. 

The first charge was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

Money wasn't available to use even though it was cash deposits, system for online mobile banking is not accurate as far as the time and date being processed for the deposit verses charges, bank refuses to acknowledge their errors. Have had a ruin of my entire life, not only did they commit fraud they're trying to hold me responsible for them stealing my money. I have called repeatedly and written letters to whom they instructed I write to, no change, no solution. I have had to fight everyone. I'm not giving up, I stand against bullying. I want everything and then some returned, resolved immediately please. This is not ok.
Consumer complaint received 2023-05-20
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. (LA)

I have contacted TransUnion in reference to inquiries on my report that I did not authorize and they were not properly investigated which is in violation of 15 usc 1681 FCRA RIGHTS AND REGULATIONS See attached documentation of the unauthorized inquiries
Consumer complaint received 2023-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX my credit monitoring alerted me to my social security number appearing on a credit application for Capital One Card. I of course believed it to be fraud as I have not ever done business with Capital One or completed any applications of any kind with them. 

On XX/XX/XXXX a credit monitoring representative and I contacted Capital One 's fraud department to indicate that there was a fraudulent application submitted with my social security number. The representative we spoke to stated they believed it was XXXXnot ' fraud, and instead stated that the applicant had simply 'mistakenly ' entered my social security number on an application with their name and info. The representative indicated that this was likely a mistake because other documentation in their possession showed my social security number and the applicants were 'very close ' to one another i.e. 'one digit off '. 

However, the fraud department indicated at that time that a credit account was created with my social security number in the applicant 's name ( note mine ) and that credit had indeed been issued to this person since it was not 'technically fraud. ' When I tried on XX/XX/XXXX to close this account or remove my social security number, I was told by Capital One that I could not do this despite the issue of my social security number, because 'my name was not on the account '. 

Subsequently, I tried on XX/XX/XXXX to once again rectify this situation with Capital One account specialist. After once again confirming my identity and providing my social security number, Capital One reiterated that they could not assist me further because I am not named as an account holder. Likewise, and problematically, Capital One also refused to answer whether or no my social security number appeared on any accounts or applications for the same reason, citing account privacy. They stated they only had the ability to search 'by name ' and my name was not returning any results at this time. 

Capital One should have never issued credit to anyone by any name with my social security number and should have denied the initial application if and when the applicant made an error. Now, they refuse to admit and correct their mistake by closing the account. Furthermore, they are stonewalling me because the account they mistakenly opened doesn't have my name on it. Meanwhile, this account holder could be borrowing against my social security number.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX CXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$2.00} XXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX XXXX Owed : {$900.00} XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} - XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX XXXX 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 2023-02-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AK)

In XXXX of XXXX I was {$3800.00} behind in condo dues to XXXX XXXX XXXX for my Condo. on XX/XX/XXXX I made a {$4400.00} payment to XXXX XXXX XXXX to pay my back dues and credit for XXXX, XXXX dues. On XX/XX/XXXX I received a letter from Wells Fargo Mortgage Indicating that they made a payment to XXXX XXXX XXXX on my behalf for {$4200.00} without my knowledge or permission indicating that I would have to pay them the money back. I contacted them immediately to let them know that the dues had been paid back in XXXX of XXXX and that they will need to get the funds returned to them from XXXX XXXX XXXX in full since the dues were paid and They maid the payment on there own initiative. I have maid all condo dues payments since XXXX and my account is and has remained current since my XXXX payment and can not afford to pay over {$4000.00} twice especially when I do not owe the second sum of {$4000.00}. When I spoke to the Wells Fargo mortgage Representative She indicated that they would get the funds refunded back to them from XXXX XXXX XXXX which they have not done to this day XX/XX/XXXX.
Consumer complaint received 2023-01-28
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: Grain Technology, Inc. (FL)

During the COVID-19 pandemic. My job that I had been at for 5 years terminated its contract with the government. My company closed down, and unfortunately I loss my job. 
I contacted GRAIN, and advised them if my unemployment status ( it was out of my control ). There is not a live person to speak with, its just email correspondence. I emailed them the financial situation that I was in, and they advised me that if I bring the account current ) ; they would remove the late payments. I brought the account from $ XXXX past due ; down to {$94.00}. I reached back out to the lady XXXX ; and she never replied to me. Instead, a XXXX XXXX replied saying that what was told to me isnt going to happen. She said she saw no such email, and then sent a word document ( look fake ) of a doctored email from the XXXX woman. 
I fell behind due to no fault of my own, and I have email correspondence of them agreeing to delete the past dues since it was out of my control. The report information is incorrect as the XXXX show 5 missed payments, and XXXX shows 11 ( Im not sure what XXXX says ). I asked for the CEO, or managers email, and XXXX refused to oblige. May someone assist me? I kiss my income due to COVID, and not a termination. I am trying to rebuild, and I paid what I borrowed like agreed. The late payments need to be removed like the previous employee agreed per our email.