davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (NJ)

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 Accounts listed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 A. section 602 states I have the right to privacy.

15 U.S.C 1681 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 reporting 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 consume reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have been a customer of Bank of America and its predecessor banks for over XXXX  years. I opened a business account over the weekend. I made my initial deposit of {$1000.00} over the weekend. They informed me that my funds will not be available until XXXX  XX/XX/23. 

This is a violation of Reg CC. I have attached a copy of the check. As you can see it is a pre-printed check drawn on XXXX XXXX  out of New York. There is no reason I should have an extended hold time in violation of Reg CC as I am an existing customer ( They verified my personal information at the time of account opening so they know this ).

According to Reg CC, the first {$100.00} of this deposit should be available to me XXXX  morning. The remainder of the funds should be made available Wednesday morning. I base this on your Board of Governor 's web site [ XXXX XXXX XXXX XXXX Section XXXX " Availability schedule States that proceeds of local and nonlocal checks must generally be made available for withdrawal by the XXXX XXXX XXXX business day following deposit, respectively. '' Therefore, a New York check is considered local to XXXX  Massachusetts and should be available XXXX.

Further, Section 229.13 Exceptions, lists the only reasons a bank could make an exception to this policy. Non of those exceptions applies to me- especially as I am a customer of 33 years.

Further, Section 229.10 ( c ) ( 1 ) ( vii ) clearly makes the first {$100.00} available the next business day so I want {$100.00} of this deposit available XXXX  XXXX  ( XX/XX/23 ). 

" the depositary bank must provide next-day avail ability for withdrawal of the lesser of {$100.00} or the aggregate amount deposited to all accounts, including individual and joint accounts, held by the same customer on any one banking day. '' I want you to force them to make my {$100.00} of my funds available XXXX  XXXX  ( XX/XX/23 ) and the remaining funds funds fully available on XXXX XXXX XXXX XXXXXX/XX/23 ) and fine them for not doing so.
Consumer complaint received 2023-11-28
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (CA)

I received a email stating that there was a hard pull on my credit score. 
It showed one main financial but I never inquired into a loan recently. I had used their service months ago in which there was a soft pull. But there was another hard pool today XX/XX/2023 This was not done by me. 
I called and they said they cant do anything about it.
Consumer complaint received 2024-03-15
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-12-20
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. (NJ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.
15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (DE)

In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX  Account number 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt cbllector may not communicate with a consumer in connection with the collection of any debt I demand this account be deleted from my credit report.
Consumer complaint received 2022-12-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent XXXX, transunion, XXXX letters disputing fraudulent accounts and inaccurate billing errors on my credit report on XXXX Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. XXXX, transunion, XXXX failed to remove or verify the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX, transunion, XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demanded to see verifiable proof with my signature that XXXX, transunion, XXXX have on file for the account listed below.. It has been more than 30 days and XXXX, transunion, XXXX have not sent any verifiable proof. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof XXXX, transunion, XXXX must remove the accounts and billing errors listed listed below. 

1. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX  XXXX XXXX Account number XXXX 2. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX Account number XXXX 3. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX Account number : XXXX 4. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX  XXXX 5. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX XXXX 6. The following account is reporting late and ive never been late, this inaccurate billing error has not been verified and you also havent responded in 30 days please remove late payments XXXX XXXX / XXXX XXXX Account number XXXX 7. The following account is reporting late and ive never been late, this inaccurate billing error has not been verified and you also havent responded in 30 days please remove late payments XXXX XXXX XXXX Account number XXXXXXXX XXXXThe following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, I would like to request to correct thy companys habit of writing letter. For three times, I have received a paper, which says update on your claim. However, these letters, at least two of them, do not have any claim number ; therefore, I do not know what kind of information thy company want. As far as I remember, I have sent many documents to thy company and other companies. And, simply, I do not know what I have sent. Also, I do not know what kind of claim number you have made to my papers. At least, as far as I see, there is the claims regarding XXXX and XXXX XXXX XXXX, both I can not understand what going on. XXXX asks sometimes some survey, which asks about its horrible service. Toward them, I just give the negative answers ; therefore, I believe it does not know what it should do ; even if there are some inquiries how to connect with me by my fans and customers, because I still use the business cards with the business address connected with XXXX. Regarding XXXX XXXX XXXX, I just stopped because its offered package was mysterious, and I believed myself it charged even though I canceled. And there were unexplained insurance activities regarding this office, too. I am certain I sent more information to thy company regarding insurance companies. Therefore, without any claim numbers, I can not send any information to the provided address. Anyway, I just want to ask you whether you ever have had to give me the claim numbers so far properly. I just hope you stop sending the document, which does not have any claim number ; otherwise, it causes uncomfortable feeling to neglect my feeling and cause uncomfortable sense. 

Sincerely,
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 4TH REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent letters on XXXXXXXX  XXXX and XXXX - the last didn't received the requested information. I have included a summary of the letter.Enclosed is a list of accounts that you claimed were verified. Thank you for your prompt attention to this matter. 
XXXXXXXX XXXX XXXX with account number XXXX I disputed this account and nothing was sent to me to legally verify this account XXXX XXXX  with account number XXXX I disputed this account and nothing was sent to me to legally verify this account Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided to completion of your investigation. 
The Fair Credit Reporting Act ( FCRA ) is a federal law that protects consumers from inaccurate and unfair information in their credit reports. Under the FCRA, Consumers have the right to dispute inaccurate information on their credit reporting agency can not verify it.The FCRA also requires credit reporting agencies to investigate and respond to consumer disputes within 30 days of receiving them. If the credit reporting agency can not verify the accuracy of the disputed information, it must remove it from the consumer 's credit report.If a credit reporting agency refuses to remove inaccurate information from a consumer 's credit report, the consumer may sue the credit reporting agency for damages.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (VA)

CREDIT CONTROL SERVICE XXXX This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights
Consumer complaint received 2023-11-27
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX as I was shopping, a customer service agent asked me if I would like to apply for a store credit card. I informed her no due to a hard inquiry would come on my account, and the customer service agent still went through and processed the store credit card without my knowledge. They asked for my ID to match the card I was using, but they were filling out the store credit card application, which I did not approve of.
Consumer complaint received 2023-10-13
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. (FL)

in accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2018-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (MO)

XXXX charged {$100.00} to a house account without my permission to active a XXXX XXXX account. I called and thought it was resolved with this email ; Hello XXXX, This is XXXX of XXXX Customer Service. It is a pleasure for allowing me to assist you today and for being a part of our XXXX XXXX. 

I've canceled your XXXX XXXX membership. You'll receive a refund of {$100.00} for the XXXX XXXX membership fee. Refunds typically process within 3-5 business days and appear as a credit on your statement. 

If you need more assistance feel free to contact us, here 's a link to our Contact Us page : XXXX XXXX XXXX 

If you can't access this page, our customer service phone numbers are as follows : - Calling from within the U.S. or XXXX : XXXX - International : XXXX. 

I hope this helps. 

Enjoy the rest of your day because you deserve all the best things in life. 

We look forward to seeing you again soon. 

We'd appreciate your feedback. Please use the buttons below to vote about your experience today. 

Best regards, XXXX XXXX XXXX It was not. A month later I received a statement from XXXXXXXX XXXX  for {$130.00}. 

I called again thought it was resolved with this email ; Hello XXXX, I've requested a refund of {$28.00} to your card for the overdraft fees. This refund should go through within 3-5 business days and will appear as a credit on your next billing statement. 

I've canceled your XXXX membership and requested an additional refund of {$100.00} for the membership fee. The refund should be processed within the next 3-5 business days and will appear as a credit on your next billing statement. 

I hope this helps! We look forward to seeing you again soon. 

We'd appreciate your feedback. Please use the buttons below to vote about your experience today. 

Best regards, XXXX XXXX. 
XXXX I was told the account with XXXXXXXX XXXX was closed and the {$28.00} was being refunded. 

Then I get this today ; E-mail Security Zone : XXXX XXXX For your account ending : XXXX Dear XXXX XXXX : Your XXXX Store Card online statement is now ready for viewing. Login today to view your statement online. 

Due Date : XX/XX/2018 Minimum Payment Due : {$28.00} Statement Balance : {$28.00}
Consumer complaint received 2017-03-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (DE)

On XX/XX/2017 a counterfeit check of {$490.00} was cashed and that money was removed from my account. I noticed it on XX/XX/XXXX and called and filed a dispute. They offered no credits or solutions for that amount money from a check that doesnt even look real. Due to the almost {$500.00} coming out of my account, i was charged XXXX overdrafts of {$35.00} on XX/XX/2017. At this time i have not received credit for my overdrafts ( XX/XX/2017 ). From XX/XX/XXXX to XX/XX/XXXX, i called in many times. The reason for my repeated phone calls is that nobody could tell me how soon i would get a resolution. At one point an associate told me that because this is covered by Reg E they dont have a timeframe that they need to resolve this issue ( really? ). I finally told them that i want to file a complaint which only made the situation worst. I was transferred to a very nice associate who was supposed to be able to handle these escalated calls. Unfortunately, she couldnt handle a counterfeit check claim circumstance so she conferenced called me into that area. I was on the phone waiting for at least a half hour before i hung up. She called me back to ask if i hung up and wanted to know if i wanted to start at the beginning of the line again waiting for that other department. i asked her to wait on hold for that department and call me back - she couldnt do that. i asked her to have someone from that department call me back - she couldnt do that either. it seems this person who was supposed to be able to handle escalations couldnt do anything. I finally got my credit for the check on XX/XX/XXXX ( still no credit for overdraft fees ) I realized today i needed to write a check - which i rarely do. i went into the branch and they wanted to charge me {$3.00} for counterchecks. i didnt want to pay that and the associate couldnt waive it so i asked to speak to a manager. i spoke to a very nice man in the wells fargo branch in XXXX delaware who told me that it wasnt stores fault what the back office did and they couldnt waive the {$3.00} ( what? ). I told him that i dont care who im talking to and that its wells fargo 's issue. he finally waived the fee and he submitted a complaint for me but the whole mentality of " not my fault '' was crazy to me. Im not sure what i want out of this except for the fact that in total i have spent about 10 hours on this issue. i still havent received my credit for overdrafts.