davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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  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 2023-05-05
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)

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-10-14
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: EQUIFAX, INC. (MD)

I submitted a dispute letter demanding an investigation into inaccuracies on my credit report on XX/XX/2023 ( attached ) and have yet to hear back from Equifax as of XX/XX/XXXX via mail or any other form of communication with the status of the dispute and updated report. I have sent out ANOTHER letter with proof of identity AGAIN stating that Equifax is going into a 30 day noncompliance by law by not responding and is reporting inaccurate information.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

TO WHOM IT MAY CONCERN : ON NINE OCCASSIONS XXXX XXXX XXXX HAS IMPROPERLY AND MALICIOUSLY REPORTED INACURATE, MISLEADING AND OR FRADULENT INFORMATION TO THE CREDIT BUREAUS REGARDING MY MORTGATE AS WELL AS AN AUTO LOAN. NO PAYMENTS HAVE EVER BEEN LATE TO THIS CREDIT UNION SINCE ACCOUNT OPENING. SEVERAL BOARD MEMBERS OF XXXX XXXX XXXX ARE AVERSE TO THE COMPANY I AM XXXX OF. MY HOME IS CURRENTLY FINANCE WITH XXXX  AND THE PROPERTY IS CURRENTLY FOR SALE. MY TRUST OFFICE AT OUR HQ WAS CONTACTED BY SEVERAL LOAN OFFICERS OF XXXX  THROUGH REAL ESTATE PERSONELLE OF XXXX XXXX XXXX XXXX XXXX XXXX HAS A PRESIDENT THAT SITS ON XXXX XXXX. WHEN MY OFFICE WAS CONTACTED BY THIS REAL ESTATE FIRM WITH TIES TO XXXX  WE REFUSED TO SHOW THE PROPERTY TO THEM AND THEIR REALTORS AND LOAN OFFICERS BECAME IRRITATED DUE TO THE STRICT SALE REQUIREMENT PROCESS. SUBSEQUENTLY THE VERY NEXT DAY THE MORTGAGE WAS REPORTED AS DELINQUINT AN UNPAID/PAST XXXX  DAYS DESPITE BEING PAID ON TIME AND THAT THE LOAN AMOUNT INCREASED, CAUSING A MAJOR DROP IN MY PERFECT CREDIT SCORE FROM MID XXXX 'S TO THE HIGH XXXXXXXX 'S. AFTER MUCH TIME AND COMMUNICATION WITH THE CREDIT UNION, EXPERT WITNESSES, LAWYERS, LEGAL DEMANDS TO THE CREDIT UNION THEY REVERSED THE FALSE, INACURATE AND FRADULENT REPORTING AS THEY HAVE DONE PRIOR BUT JUST LIKE THOSE OTHER TIMES THE CREDIT SCORE HAS BEEN DAMAGED AND NEVER FULLY RECOVERED. XXXX CLAIMS THIS PROCESS IS AUTOMATED, AN ACCIDENT, OR ERROR " DARN COMPUTER '' DEFENSE. I COULD SEE THIS BEING AN ACCIDENT ONE TIME BUT 9 TIMES IN A YEAR AND A HALF PERIOD WITH ANCILLARY AVERSE INDIVIDUALS TO MY CORPORATION AND MYSELF INDIVIDUALLY WHO ARE TIED TO XXXX  IS CLEARLY MALICOUS. THIS IS FISHY AND AS A XXXX XXXX XXXX FAMILY MEMBER I AM ASKING THE UNITED STATES FEDERAL GOVERNMENT TO INTERVENE AND OR REFFER THIS MATTER TO THE DOJ OR FBI FOR PROSECUTION OR INVESTIGATION. IF THEY FREELY DO THIS TO ME, IMAGINE HOW MANY OTHER AVERSE AMERICANS THEY SUBJECT TO THIS TORMENT VIA THEIR RACKETEERING INFLUENCED AND CORRUPT ORGANIZATIONAL PRACTICES.
Consumer complaint received 2023-05-05
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: Self Financial Inc. (CA)

I received a letter from Self Financial inc on XX/XX/2023 kinda explaining what they report as inaccurate information to the XXXX major credit bureaus. In the letter it says that they acknowledge that inaccurate and incomplete information is being reported by self financial on purpose after i have flagged their errors that are harming me by reporting false and misleading information about me. I have also asked for real documentation on this issue they refuse to furnish any document that can backup their claim. I have not heard back at all from Self financial Inc . Please help me? I pointed out the FCRA Law specifically.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681s-2 ( a ) ( ( 1 ) ( B ) ( i ) ( ii ) 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.

( 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 ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I reserve ticket from capital one Travel department my confirmation no from capital one is XXXX XXXX I am traveling XXXX XXXX from XXXX XXXX XXXX and coming back on XX/XX/XXXX XXXX on my ticket typo mistake was done from either me travels department on my last name is missing LETTER XXXX my last name XXXX and by mistake appear on ticket XXXX XXXX letter missing try to get correct from capital on but un successful call them at least 10 times in one week they said they can not do it only XXXX XXXX can do it but XXXX XXXX said XXXX have to buy another ticket from airline and pay extra {$50.00} just for for put one letter on ticket cost me full regular price and extra {$50.00} total came out around {$550.00} I would like to capital one to do it from them without putting any penalties
Consumer complaint received 2023-05-05
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: FIFTH THIRD FINANCIAL CORPORATION (NV)

My mortgage was originally through MB Financial and then was bought out by 5th third bank. I was going through a divorce and foreclosure papers where served. I had sold the home before a court date was even set on XX/XX/XXXX. 

5th third continue to send XXXX  ( foreclosure Proceeding Stated ) remarks to XXXX 2 months after I sold the home and MOST recently, left a XXXX  remark on XX/XX/XXXX after the home was sold in XX/XX/XXXX. I tried to dispute this thru XXXX multiple times even including my XXXX XXXX XXXX XXXX proof of sale. 5th Third continuous to not answer any of my questions after telling me this is a " closed account ''.

My home buying chances are in danger while 5th third bank continuous to leave negative credit inquires. XXXX disputing is no help to me neither ...... 

HELP!
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Colorado XXXX University Account 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 2023-10-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX purchased refrigerator, ,never received refrigerator, ,no response from company, ,BOA shows me no proof of delivery doesn't return emails or phone calls when promised, ,I have been with this bank for over XXXX
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NV)

Between XXXX XXXX, 2023 and XX/XX/2023, a new account in collections was added to my report. The collection agency is CREDENCE RESOURCE MANAGE. The original creditor was XXXX XXXX XXXX XXXX. 

I just got a notification alerting me that my credit report has changed and a new collection has been added to my file. from what i understand it was originally a debt owed to " XXXX XXXX ''. I know this is fraud because I have never opened up an account with them. I am dumbfounded that this is even happening. I have not contacted the collection agency. this " complaint " is my first step in trying to resolve this. 
it is not fair that something like this can happen and i had no knowledge of it. 
at the very least i should of been contacted about this debt before it was given to a debt collector.
Consumer complaint received 2023-11-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (IL)

Fay Servicing is falsifying escrow statements to try to collect fees and default interest from customers. They falsify dates and amounts of disbursement in order to create escrow shortages that dont actually exist in order to demand extra payments. For example, on my recent escrow statement, they put down that they sent out XXXX  to the county for property taxes in XXXX XXXX XXXX. In reality, the amount was XXXX and paid on XX/XX/. The escrow analysis was done in XXXX XXXX XXXX  and claimed that they had already disbursed payment, even though they had not and would not for another month. They also falsely claimed that they made a Home Insurance payment on XXXX, even though the insurance company didnt send them the bill until XXXX By playing with dates and amounts, they create huge escrow shortages, {$12000.00} in my case, and try to collect this money. If you are unable to pay this quickly, as was in my case, they then try to collect fees and default interest which is not actually written into your mortgage. My autodraft date was XX/XX/XXXX, and I put a stop-payment on the draft because the amount, which went from XXXX to XXXX, looked like an error. I called them multiple times that week to resolve the escrow shortfallwhich later I found to be based on false numbers and dates. On XX/XX/XXXX, I received a phone call from XXXX XXXX trying to collect {$9300.00}. He was trying to collect default interest repeatedly demanded I pay two payments, and default interest for 40 days, ( he had the wrong due date, I was 32 days behind ) and repeatedly refused the XXXX mortgage payment, which I offered to pay in full. Ultimately, it turned out I did not owe any default interest, according to my HUD statement. I have been locked out of my account, they have {$4000.00} of my money that is sitting unapplied and they refuse to respond to my requests for payment history or escrow analysis to be corrected. I have to jump through hoops, such as sending them electronic money orders through 3rd parties, to make my monthly payments, which they then keep unapplied until I pay them the full amount based on false escrow analysis.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (NY)

the credit consumers are not accurate of what they say i owe them. reffering to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase Bank , i have never open an account with none of these companies
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE (MI)

ive tried opening an bank account with huntington bank and they couldnt give me an account because they said i had an account opened thru tcf bank which they now own but ive never opened an account with a tcf bank ever
Consumer complaint received 2023-04-25
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2023-11-09
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 (CA)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below CAPITAL ONE XXXX
Consumer complaint received 2024-03-13
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. (NV)

I am submitting to request the REMOVAL of several credit inquiries again that were unauthorized from my credit reports. On XX/XX/XXXX, I received a copy of my credit report and became aware of these inquiries that I did not authorize were still reporting in my file. They are as follows, along with this inaccurate address : EXPERIAN : XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. Attached here was my new FTC report with number XXXX.
Consumer complaint received 2023-12-26
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (PA)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern, We spoke to a representative today, XX/XX/XXXX. Here are the documents the representative requested us to send for the investigation of the fraudulent use of the {$500.00} gift card used at a business named XXXX XXXX XXXX. 

As was explained on the phone, since this was an anonymous gift card, we do not have the receipt of purchase of the gift card. The representative said she would note this and that it would not be needed to conclude the case. 

Thank you, XXXX XXXX Unauthorized Transaction - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sirs, We activated a {$500.00} gift card on XX/XX/XXXX. A criminal stole the entire amount with an unauthorized transaction to XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. We reported this crime as soon as we were aware of it around XXXX. The representative at that time told us to call back in 30 days in order to allow your fraud department to investigate and resolve the matter. 

We called back today, XX/XX/XXXX. XXXX took the call. She said that we now have to wait 45 - 90 days for a resolution to this case. Please let me know why the time to resolve has increased from 30 to potentially 90 days. 

Finally, please confirm receipt of this message. 

Thank you, XXXX XXXX XX/XX/XXXX XXXX with XXXX : He confirmed that the files were received on XX/XX/XXXX. He stated that there were another 30 days more to resolution. 
Asked why my XX/XX/XXXX email was not responded to. XXXX said we will get a response in XXXX hours ( by XX/XX/XXXX ) and to call back if it is not received. 
XX/XX/XXXX XXXX with XXXX : She said the case was raised in XXXX. I informed her that it was raised in XXXX. She said this will be raised as a priority with her supervisor and we will have a response in a few days. I told her that I feel that each representative has given me the run around and that I dont want to report Vanilla to a government agency as a fraudulent company.
Consumer complaint received 2023-11-25
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 (NC)

I received several {$100.00} American Express gift cards which are virtually useless and frankly it should be considered criminal activity that American Express is purposefully making the card unable to be used at all major online retailers. The card will not be accepted at XXXX, XXXX, XXXX, XXXX, and on and on. They claim it can be used anywhere an American Express is accepted, which is a flat out lie. XXXX requires that the card match the cardholder 's name and address ( which American Express is aware of ), but Amex will no longer allow a person to register their name and/or address to a gift card. Presumably so that the card will get declined at every major online retailer ( like is being done ). Again, this is absolutely criminal and an intentional act by Amex to hold money longer or forever from the consumer.
Consumer complaint received 2023-10-16
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. (CA)

This is my fourth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-19
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: Experian Information Solutions Inc. (CA)

This is my several 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 accounts 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 .... Balance : - XXXXXXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX .... Balance : {$530.00} XXXX XXXX XXXX XXXX : {$6700.00} XXXX XXXX  XXXX .... Balance : {$11000.00} XXXX XXXX XXXXXXXX XXXX XXXX. Balance : {$1600.00}
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo has been aware of issues with people login in to mobile banking, not having access to their money at a bank as well as not being able to using debit cards. They have been aware of this for over a month now. I have done a complaint before and they are stating I had no issues with my account or login which I have had issues going on for the past month
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX. I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX. 
They did not provide me with the original application like I asked. 
Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. Thank you!