davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
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. (IN)

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile due to an EQUIFAX DATA BREACH. And in accordance with the Fair Credit Reporting Act, XXXX accounts XXXX XXXXXXXX and XXXX XXXX has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at XXXX XXXX XXXX
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (NC)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2023 Bank of America, N.A., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear Bank of America , N.A , I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 
Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Visa Signature Account Number : XXXX XXXX XXXX XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 
If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-12-22
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 (NY)

I received a {$200.00} American Express gift card from my employer for the holidays. I attempted to use this gift card to make a purchase on Wednesday XX/XX/XXXX on XXXX. My payment method was declined multiple times. I contacted American Express the same day and they informed me there were security restrictions on the card and that they would remove them and I would be able to make a purchase within the next 24hrs. I waited 24hrs and then attempted to make the same purchase on Thursday XX/XX/XXXX, and I was denied again. I called American Express again and they informed me that I could not use my gift card on XXXX and I would need to use it at a different retailer. On XX/XX/XXXX, I attempted to use the card at a different retailer ( XXXX ) and the card was then declined multiple times there as well. I called American Express yet again and they informed me that I couldn't use the card at XXXX either. At this point American Express is refusing to issue me a new card and it will not work at ANY RETAILER. American Express essentially stole {$200.00} from the person that purchased the gift card for me, as this gift card is completely unusable. American Express should not be discriminating as to what retailers I can and can not use the card at.
Consumer complaint received 2023-12-22
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: Blackhawk Network Holdings Inc. (MI)

This card we bought on XX/XX/2023 during our road trip has refused to work, we tried to use it at the store, and we purchase 2 for {$500.00} each, got the first one it didnt work, then we purchase another with the hope of rectifying the first one after our trip but both card wont work, we tried to check balance on their website it says we are unable to process your request, called the number at the back it wont go through to a live agent, we got stranded because this was meant to cover for our gas and other miscellaneous, forced to use my bank card for purchase, all documents are attached to this complaint
Consumer complaint received 2023-12-22
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

My fiance XXXX XXXX and I have a Victorias Secret credit card by Comenity Bank. I am an authorized user and I am authorized to know information on this account. On XX/XX/XXXX. I had made a payment of {$75.00} then on XX/XX/XXXX. I made another payment of {$100.00}. I wrote two checks and I paid my payments at the store, then on XX/XX/XXXX I got a call from Comenity Bank saying that I have missed both XXXX and XXXX payments and in order to put my credit in good standing I had to make a payment, so I did a one time payment over the phone for {$100.00}. I noticed on my bank account that two transactions of {$100.00} were taken out. So I called my bank and I disputed one of the {$100.00} transaction with them. So my financial Institution XXXX XXXX gave me {$100.00} provisional credit while my account with them was under investigation. However, my payment to Comenity for {$100.00} was done on XX/XX/XXXX XXXX but on XX/XX/XXXX Comenity discredited my payment showing that I never made a payment for XXXX so I would like to know where my {$100.00} payment went and I have sent them so much information through their online message center. Still they refuse to credit my account of the {$100.00} that I paid on XXXX XXXX. Every time I call, I talk to a different supervisor and have to explain myself over and over. It is so frustrating. And they listen to my issues and tell me not to pay the bill because they see that Comenity owes me that money and my bill is already paid in full but here I am getting late fees and interest. This account has been under investigation with them since XX/XX/XXXX ever since they lost my first two check payments at Victoria Secrets in the XXXX XXXX XXXX. Finally on XX/XX/XXXX store relations department resolved and found both checks for payments in XXXX and XXXX. I have sent Comenity all my information like bank statements the checks they cashed and went missing for proof of payments, a letter from my bank with an overhead. I just dont know what to do now. I feel I provided a lot of information. Banks statement should be enough.
Consumer complaint received 2023-12-22
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings (NC)

IQData Inc. constantly calls me. They also call my family/friends MULTIPLE times and harass them, telling them to deliver a message to me.

They also use deceptive language to attempt to get me to pay for debt that I do not owe. I am still under dispute of the said debt with the landlord. 

They also will not provide evidence of why they believe that I owe any debt.
Consumer complaint received 2023-12-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (MO)

I never applied for Chase Bank I knew they are always discriminating against deaf people. This shouldnt have happened to be reported against me? its a Slander, Defamation Against Without Consent Proof and My Knowledge And Its Really Ruining My Reputations! These inquiries should be taken off immediately or I will be contacting My Attorneys to have them file Major Lawsuits
Consumer complaint received 2024-04-16
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. (FL)

By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX XXXX. XXXX XXXX Account # XXXX, # XXXX XXXX. XXXX & XXXX Account # 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 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 2023-12-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC (FL)

XXXX XXXX XXXX Oak Springs Capital, LLC called my work number ( provided above ). This is a violation as I did not give them permission. I am dealing with identity theft and do not k own what debt they are trying to collect. 

Thank you for any assistance with this matter. 

XXXX XXXX
Consumer complaint received 2023-09-20
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Duncan Solutions, lnc. (CA)

I sent a letter of validation pursuant to 15usc1692g certified united states mail to the dispute department at the XXXX XXXX XXXX XXXX XXXX XXXX. I sent the letter it was recieved XXXX. I called today XX/XX/2023 at XXXX I was on the phone with a rep for XXXX minutes because a supervisor would not come to the phone to handle my questions. It has been over 30 days and no validation of the debt has been sent to me as requested.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-29
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. (TX)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ). HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE! 

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 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (IA)

I called the BMO Fraud Department on XX/XX/XXXXto file a dispute on several transactions from merchant XXXX for {$510.00}. Then the Merchant XXXX XXXX XXXX XXXX NY, for a total of {$1100.00} ; their protocol is the Claim is open for 45 Days. If the Merchant Responds, they then would call me to discuss further options ; it has been more than XXXX Calander Days and XXXX Business Days, and I have never received a call from BMO nor a Voicemail, so I am under the impression the Merchant did not respond, so as per BMO protocol after 45 Days with no response the Claim would be closed in my favor. I have yet to receive a credit for these transactions.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (VA)

On XX/XX/XXXX I wrote to Nationstar ( dba Mr. Cooper ) asking to have the PMI removed from our mortgage as we easily exceeded the home equity threshold for doing so. 

On XX/XX/XXXX I received an acknowledgment of the request and that someone would respond within 5-7 days. 

On XX/XX/XXXX I submitted a follow-up and said I'd still not heard from them. 

On XX/XX/XXXX I submitted a third message saying I'd still not heard from them, and they responded by saying that " We've received your request to remove PMI on XXXX XXXX, XX/XX/XXXXand will respond in 5-7 business days ''. This is obviously untrue, as the request was made nearly two months ago I didn't choose Nationstar/Mr Cooper as my mortgage servicer, and their performance here indicates they're in no hurry to actually provide service to their captive clients. Can someone please compel them to do what they should have done nearly a month ago?
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX account 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 instruction. 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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Verisk Analytics Inc (TX)

I understand that it is my right to obtain a copy of my Verisk Insurance Solutions report, under the Fair Credit Reporting Act. I am requesting a copy of my Verisk Insurance Solutions report sent to me via mail.
Consumer complaint received 2023-12-19
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

These account were never given my permissible purpose to furnish these accounts furthermore they infringed upon my rights to privacy in pursuant to 15 USC 1681 ( 4 ) these corporations have caused damage to me mentally and financially. In pursuant to 15 USC 1681a ( 2 ) ( I ) any transaction or experience should excluded from my consumer report CAPITAL ONE ( XXXX ), NY CHILD SUPPORT ENFC ( XXXX ), XXXX XXXX  ( XXXX ), XXXX  XXXX XXXX ( XXXX ), CAPITAL ONE ( XXXX ) has also violated the billing error practice act in pursuant to 15 USC1666 they never gave me the right to opt out and are not reporting accurately I want these late payments as well as the inquires and collection accounts deleted as they are identity theft
Consumer complaint received 2022-09-04
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. (PA)

IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED INCLUDING INQUIRIES WHICH WERE NOT DONE BY ME, XXXX AND XXXX CREDIT BUREAU INQUIRIES BELOW : ******FACTUAL DATA XX/XX/XXXX ***UXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ***XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXS ***XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AND EXPERIAN ***XXXX XXXX SHOWS A XXXX BALANCE THIS CREDIT CARD WAS PAID TO A XXXX BALANCE I ASK GRACIOUSLY IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED. 

***XXXX XXXX XXXXXXXX XXXX IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED. 

XXXX XXXX AND EXPERIAN XXXX XXXX  CREDIT CARD AND XXXX XXXX CREDIT CARD IS MY CREDIT CARDS AND WAS PAID TO XXXX BALANCE ..THESE TWO ACCOUNTS SHOULD BE UPDATED TO PAID TO A XXXX BALANCE. **** THIS IS NOT ACCURATE ON MY REPORT.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXXXXXX XXXX XXXX This account is listed innacurately amongst all 3 credit bureaus. The " Date of Last Activity '' is showing a different date each for XXXX, XXXX and TransUnion. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete. 

This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I attempted to withdraw {$300.00} from my account at a Wells Fargo ATM. The transaction completed but the cash was not dispensed. I called to file a claim, request my money back, spoke to the bank manager at a local branch plus talked to numerous departments at Wells Fargo and was told by all that it would need to be investigated and would take 10 days. The bank even sent me an email noting that there was an error during my most recent ATM transaction. When I was on the phone with Wells Fargo, no one could assist me with replacing the {$300.00} or accelerate the resolution. I am now without {$300.00} and dont know if I will even get it back.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (OR)

I believe I had a Wells Fargo account from around XXXX until XXXX or XXXX  During this time I earned fairly low wages and struggled financially. Wells Fargo had a practice to maximize overdraft fees on customers and they admitted it to me when I called to address. Many times over the timespan I was with them, I would be charged multiple overdraft fees when it should have been one. They would take transactions, no matter the order they were made and make them descend from greatest to smallest number. So if you really overdraft on like a car payment, they would have 3-4 smaller transactions behind it, even if the car payment was last. I told an employee on the phone what a fraud and scam that was and he told me they did this as a service to the customer, because dont you want to make sure your rent is covered? I feel this was so shady, unethical and should be illegal. I have been waiting to hear from any class action because I heard of some but I have received nothing. Please consider this. Thanks you, XXXX
Consumer complaint received 2021-10-21
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. (NY)

I have sent multiple letters to the credit bureau asking for validation of my accounts ( XXXX CARD ACCOUNT # : XXXX, XXXX CARD ACCOUNT # : XXXX ) and have not yet received validation. I believe the information on my credit report regarding these accounts are inaccurate. My first letter mailed out to the credit bureau was dated XX/XX/2021. I have sent reminder letters dated XX/XX/2021 and on XX/XX/2021, a dispute letter dated XX/XX/2021 as well. I am losing my patience and am worried about my credit file reporting inaccurate information that can be affecting my credit worthiness.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XX/XX/2022