davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAINE & WEINER COMPANY, INC. (CA)

I have received correspondence starting on XX/XX/2023 though my email, they then started calling other numbers of people outside of our business trying to collect. I have not received notice through mail. So sent an email stating that they only contact me by my email between the hours of XXXX on Monday. I then sent a letter in the mail on XX/XX/2023 for them to validate this debt and send me a copy of the purchase agreement and to prove that in fact it is our debt. I have yet to receive validation, until today where I was called and told that they would be reporting to the credit bureaus.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (WA)

on XX/XX/23 my us bank checking account showed 2 unauthorized transactions worth of over {$270.00} that werent made by me. i called and contacted my bank and was told theyll cancel the charges. the charges are still there and they charged me 4 extra overdraft fees because of the unauthorized charges as well. even though my account was completely fine before the fraud charges. and they said they wont refund me now. even though i was told yesterday they would.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I disputed an address that's never been reported by me to anyone and Experian refuses to delete off my credit report. The address that's being reported inaccurately is XXXX XXXX XXXX, XXXX ca, XXXX My current address that is also on my current state driver 's license is XXXX XXXX XXXX XXXX # XXXX XXXX, CALIFORNIA XXXX
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CT)

Requested to have a wire transfer from my bank, USAA. The amount I needed for the wire transfer ( for closing on a property ) was a little less than {$58000.00}. 

USAA stated that my account was " flagged '' ( or something similar ) because I had DEPOSITED some old checks, that were no longer valid. For whatever reason, they " flagged '' my account, and that wire transfers were not an option until USAA did a review. 

When I tried to resolve this issue ( I have over {$130000.00} ) in my my account, they said it was their " policy '' and the funds are not available for a wire transfer. No amount of discussion, or pushing the matter higher up changed their " policy. '' Further, if my account was " flagged '' and certain transactions were not allowed, does USAA not have a legal obligation to inform me of this? In advance? And with a remedy? I have done nothing wrong, and their representatives stated that it's " their policy, there is nothing they can do ''. 

I don't understand how a bank, in America, that caters to the military community can have over {$130000.00} of my money, and will not issue a wire transfer to me. This is made worse by the fact that they are acting like I did something wrong... the checks I attempted to deposit were too old ( totaling around {$600.00} ), and the money was not deposited. Now, they are not giving me access to my own money. 

This can not stand. This is egregious. This seems like fraud.
Consumer complaint received 2017-02-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRSTBANK PUERTO RICO (NY)

I wired {$2200.00} into my account at First Bank Puerto Rico on XX/XX/2017. As of today, XX/XX/2017, it has not been credited or returned. I have made numerous telephone calls and emails to the bank but have been ignored. When I do speak with them, they are dishonest and disingenuous, claiming that it is " illegal '' for them to speak with me. It is illegal for the bank to convert my money and not return it to me.
Consumer complaint received 2023-04-17
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name 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 2017-03-20
Product: Credit card — 
Issue: Credit determination — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

I LIVE IN XXXX AND FILED BANKCARUPSY ON XX/XX/1998, ONE OF THE CREDIT CARDS INCLUDED IN THE BANKRUPSY WAS WITH BANCO POPULAR OF PUERTO RICO. THE BANK WILL NOT EXTEND ME ANY TYPE OF CREDIT BECAUSE INTERNALLY THEY STILL HAVE THAT CREDIT CARD AS BAD DEBT EVEN IT WAS INCLUDED IN THE FILING. BANCO POPULAR PENALIZES YOU PERMANENTLY EVEN WHEN MY CREDIT RIGHT NOW IS COMPLETELY REHABILITATED.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (PA)

I received an alert from a credit monitoring service. Advising that I had a 'Hard Inquiry ' and later date a notification for a credit card.

I have not attempted to open a new credit card at all in recent months. I've also noticed a number of 'soft inquires ' None of which are things I've done.
Consumer complaint received 2023-05-06
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. (IL)

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-09
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: BARCLAYS BANK DELAWARE (PA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX XXXX  XXXX formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Consumer complaint received 2024-04-03
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. (IA)

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX and XXXXXXXX XXXX # XXXX has violated my rights. 


15 U.S.C. 1681 section 602 A. States i have the rights to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish an account without my written permission.
Consumer complaint received 2024-01-26
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

I terminated my lease at XXXX XXXX XXXX on XX/XX/XXXX and was informed, in-person, by my account manager that I would receive a bill via mail to my forwarding address if I had any outstanding debts to the apartment complex. I provided my forwarding address and they had both my email and phone number to contact me if necessary as well. 

I never received a bill nor any information on how to go about paying any potential bill, as my access to the tenant portal was terminated upon my lease termination. I was under the impression that, given the lack of notification or any contact of any kind from the apartment complex regarding any debts, that I did not owe them anything beyond my final payment of rent for XXXX XXXX XXXX XXXXXXXX. 

I received an email to my Junk folder on Monday, XX/XX/XXXX from a debt collector ( National Credit Systems , Inc. ) letting me know that I was indebted {$1800.00} on behalf of XXXX XXXX XXXX. 

I never received any sort of communications from the apartment complex via mail, email, or phone and they are claiming that they did in fact send the letter, but that it was returned ( again, I never received any letter ). Had I received this letter back in XXXX or XXXX of XXXX, I would have been happy to pay a bill to them. But again, I never received a bill. I never received any further communication from the apartment complex. The owner of the apartment complex claims to have contacted the debt collector, who claims that they attempted to, between XX/XX/XXXX and XX/XX/XXXX, call me 4 times, send me 3 emails, and send 2 pieces of physical mail. The only communications I have received are as follows : * I called the owner of the apartment complex to gather additional information at XXXX EST and to inquire about this notice of debt collection after I had initially seen it * 2 phone calls on Wednesday, XX/XX/XXXX, from the number XXXX : XXXX EST and XXXX EST * 2 phone calls on Thursday, XX/XX/XXXX, from the number XXXX : XXXX EST and XXXX EST. 

I have not lived in XXXX XXXXXXXX XXXX since XX/XX/XXXX and XX/XX/XXXX was my first notice of any debt being owed. I never had any opportunity to even attempt to pay this apparent bill -- it was simply sent to collections without my knowledge of its existence entirely. 

The debt collectors have also begun repeatedly calling and harassing family members since yesterday, XX/XX/XXXX. This has all been highly inappropriate and unprofessional. Additionally, the phone number that myself and family members have continued to receive calls from indicates that it is a scam and/or phishing number.
Consumer complaint received 2024-01-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AZ)

On XX/XX/year>, I called American Express and asked why my gift card kept getting declined. The representative first advised it was because of fraud, then changed their story to the merchant not accepting AMEX. I have attempted to use this AMEX gift card with various merchants, both online and in person, with no luck.
Consumer complaint received 2024-01-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC (TX)

I sent a insurance check in for endorsement on XX/XX/XXXX iao XXXX with a next day XXXX  shipping label. The insurance portal states this should have been a sign and go transaction, however it's now eod on XX/XX/XXXX and I still can not get a definitive status on returning check. I was told several versions that the supervisor had escalated and was resolving issue and the XXXX was improperly tagged to a old XXXX claim. My roof remains open taking on additional weather damages and contractors have been pushed back continously due to Shellpoint Mtg Servicing Loss Draft Department delays. 
Loan ( XXXX )
Consumer complaint received 2023-04-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. Remove these late payment remarks!!
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is provided on my attached ID and this complaint. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
My current addresses is also on my attached license. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is on my attached license. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any telephone number and I do NOT desire any other telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (MI)

XXXX XXXX : Since XX/XX/XXXX, I have been receiving unsolicited emails from Chime, urging me to link my bank account and activate a card. I affirm that I have never initiated any account opening process with Chime, nor have I received any email confirmation regarding such an account creation using my identity. I found in one of the emails that they sent a card to an address which I lived back in 2016. 

Attempts to Resolve : In an attempt to address this issue, I contacted Chime 's customer support but faced significant challenges : Inaccessible Human Support : I was trapped in an automated call menu for over 30 minutes, with no option to speak to a human representative or to report my specific issue. 
Mandatory App Use : The automated system directed me to use their app for further assistance. However, upon downloading the app and resetting the password, I was unable to initiate a chat as advised. 
Unnecessary Personal Information Requests : The app requested that I upload a photo of my driver 's license and take a selfie before allowing any form of communication, which I find intrusive and irrelevant to my situation.
Consumer complaint received 2024-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Viva Finance Inc. (FL)

Viva Finance INC . According to my credit report, Viva Finance INC has filed a charge-off in the amount of {$5200.00}. In light of this, I am writing to express my concern about the lack of proper documentation associated with this charge-off and to bring to your attention a potential violation of the Fair Credit Reporting Act ( FCRA ).

As per my understanding of IRS regulations, when a creditor charges off an amount owed by a customer, it is required to issue a Form 1099-C to the debtor. This form is crucial for accurate reporting of income and compliance with tax regulations. To date, I have not received any such form from Viva Finance INC, and I am concerned about the potential repercussions of not having the necessary documentation for tax purposes.

Moreover, I believe that the lack of documentation from Viva Finance INC may constitute a violation of the Fair Credit Reporting Act. The FCRA mandates that accurate and complete information be reported by creditors, and failure to provide essential documentation may result in inaccurate reporting on my credit file.

In light of the above, I kindly request that you investigate the matter and ensure that Viva Finance INC provides the necessary documentation, including a Form 1099-C, related to the charge-off on my credit report. I am seeking clarity on the validity of this charge-off and require the proper documentation to fulfill my tax obligations.

Please provide me with updates on the status of your investigation and any steps taken to rectify this matter. Your prompt attention to this request is greatly appreciated, and I trust that you will take the necessary measures to ensure compliance with the FCRA.
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (FL)

I need to report the XXXX  of my XXXX XXXXXXXX XXXX XXXX and my XXXX XXXXXXXX XXXX XXXX. Im not going to get bullied by XXXX XXXX and them doing fraud because theyre not capable of getting a real job that doesnt involve stealing from me or my real family. All the banks are claiming theyre trying to help but theyre making a short term profit and a long term bad decision by failing to disclose and provide me access to all of my funds. Im not your XXXX XXXX  or your rancher thats a teleprompt and a fake XXXX. Leave me alone and you guys should be ashamed of yourselves for attempting to turn the United States of America into the United States of Frauderica
Consumer complaint received 2024-04-03
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: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-03
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: Experian Information Solutions Inc. (GA)

on XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my consumer report. to this day over 45 days later I have not received a response as of yet. I feel like my disputes are being ignored and im being taken advantage of. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my consumer report it has been XXXX  days so they should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.