davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of 2020 I applied for unemployment but time passed and I never got not one letter from them .I thought I was denied so then I got sick with XXXX  19 I went in a coma for awhile and stayed hospitalized for several months during this time someone intercepted my mail got my edd card activated it and took over my account .recently I got a notice from the IRS saying I owe money for funds I received from edd so I was shocked I called edd then was instructed to call bofa so I made a claim for the money they stole from. Me it was well passed {$20000.00} so within two days of my claim I got a denial letter in the mail I faxed them my admittance and discharge papers from my time in the hospital and that didn't help they still denied me the second time XXXX don't have anyone to hear me they don't care that you are struggling or behind on your rent or about to be with no food they don't give you any answers to any questions
Consumer complaint received 2023-11-10
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-18
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. (NY)

I XXXX XXXX, XXXX and natural person am a victim of identity theft. XXXX equifax and XXXX has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. These credit reporting agencies also known as financial institutions have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. These agencies are in direct violation of the FCRA and Gramm Leach Bliley Act of 1999.
Consumer complaint received 2022-10-18
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. (NY)

I XXXX XXXX, XXXX and natural person am a victim of identity theft. XXXX, equifax and XXXX has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. These credit reporting agencies also known as financial institutions have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. These agencies are in direct violation of the FCRA and Gramm Leach Bliley Act of 1999.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (TX)

On XX/XX/2022, XXXX XXXX unilaterally closed my credit builder and credit card account with them. 

They claimed to pay out my money in XXXX business days after my account is closed. It has been way past that timeframe. 

I contacted Self Inc. customer service on XX/XX/2022, to ask why they haven't sent my money yet. They told me to contact their dispute/fraud department via XXXX. They said there is no phone number for that department which I thought was odd. 

On XX/XX/2022, I got the below email from the dispute/fraud department. 

" Self Financial Hello XXXX, While Self strives to offer service to all of our customers, we have a regulatory obligation to regularly review accounts and their activity. During one of these standard reviews, we came across information on your account which was unverifiable. As we are required to be able to verify all account information, we must unfortunately discontinue your service with us. 

If you have any payouts owed at this time, your payout may be frozen during this review and we will unfreeze any funds once our review is complete. For security and privacy purposes, we are unable to specify which information was unverifiable or offer any further timeframes on our payout review process. 

Please reach out if you have any further questions. 

All the best, The Self Team '' How unreasonable is that email? They can't tell me why they closed my account and froze my funds, they can't tell me exactly what was suspicious, and they can't tell me approximately how long it is going to take? I believe this is unfair practice. As an account holder with SELF, I have a right to know what is happening with my account. They can't just say " Oh, we can't tell you anything because of security reasons ''.
Consumer complaint received 2023-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint is directed towards XXXX, XXXX, and TransUnion Bureaus as a follow up. I am submitting to formally report an incident of identity theft that has had a significant impact on my credit reports. I conducted research on the procedure to remove the unauthorized inquiries from my credit report. It has come to my attention that I need to submit an identity theft report as part of the resolution process. I am aware that under FCRA Section 605B ( 15 U.S.C. 1681c-1 ), the Credit Reporting Agencies are legally obligated to promptly remove any entries associated with an identity theft report. Kindly refer to the documents I have attached to facilitate the process of blocking and deleting the inquiries that were posted on my report. Below is a list of the unauthorized inquiries that I have seen reporting in my credit reports : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XX/XX/XXXX
Consumer complaint received 2023-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (KS)

On XX/XX/2023 we changed our home insurance from XXXX to XXXX. When we changed, I provided XXXX  with information regarding our loan to get the payment handled since it is all through the loan. There was some sort of miscommunication between XXXX and Freedom Mortgage, so our insurance was not paid immediately. This resulted in Freedom Mortgage thinking we didnt have insurance and signing us up for one even though we were signed up for XXXX. In XXXX 2023 I was called in resolve the issue. I was told by a representative from Freedom Mortgage that it is all handled now. In XXXX 2023 our mortgage went up again. The insurance we were signed up for by freedom mortgage had not been canceled/we had not received a refund for the insurance. Since then I have been trying to get the name of the insurance from them so I can make an effort to cancel it and have not been given anything. We are paying for two home insurances, one which they wrongfully signed us up for due to a miscommunication and are now withholding information from us, even though we have asked, and claimed that they sent a letter to us in XXXX that we do not have. Now they are refusing to provide us with any information and sold our loan to another company.
Consumer complaint received 2017-08-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

Q DATA INTERNATIONAL IN, XXXX XXXX, 2013, {$1000.00}, I 've requested documentation of the debt, received no contact info and its damaging my credit
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — Store credit 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: Westcreek Financial (VA)

Koalafi offered me a credit card product around XX/XX/2022, for the purpose of a home renovation project, without a true dispute process as described in Regulation Z. The loan was activated by the merchant prior to project completion in early XX/XX/2022. Merchant originally made good faith effort to finish the project. In late XXXX, Merchant began avoiding obligations to finish project ( vague responses for when outstanding goods would arrive, and no response on when punch list items would be completed ) As of XX/XX/2022, merchant had not delivered all good/services as promised to the customer. Customer was unable to reach merchant with any firm updates for the goods/services. A call was placed to Koalafi stating the dispute ( similarly to how it is outlined in the complaint ), with Koalafi affirming that they are not responsible for the merchant, and I as the customer am still obligated to make payments. Koalafi quickly reminded customer of loan agreement. 

On XX/XX/2022, merchant responded to customer, proposing a plan going forward. 

On XX/XX/2022, Koalafi contacted both merchant and myself, on separate phone calls. Customer stated that at this time, Merchant has proposed a plan and timeline to finish the project. Koalafi implied during this conversation that they are under no requirement to provide resolution or further investigation, and reminded the customer that payments are still required. Koalafi also stated that if the dispute were to arise again, the same process of phone calls to the merchant and customer would repeat, regardless of resolution on either end. 

Based on this dispute process and phone call conversation, it does not appear that Koalafi provides any protection to the customer, nor does Koalafi believe that any governing laws apply to them. 

References : Per the TRUTH IN LENDING ACT ( REGULATION Z ), " issuers must investigate and resolve certain billing errors, including a transaction reflected on a periodic statement involving goods or services that the consumer ( or representative ) did not accept or was not delivered or was not delivered as agreed. " Per the attached lending agreement with Koalafi : If, after any such good faith effort to achieve resolution with the Merchant, you are still dissatisfied, you may contact Servicer in writing at Koalafi, XXXX XXXX XXXX, XXXX XXXX, VA XXXX, or any other address the Servicer may designate, and we will investigate the matter. During the pendency of the investigation, you must still make any payments owed under this Agreement. Once our investigation is concluded, we will make a determination regarding any amounts you continue to owe under this Agreement. If, following ourdetermination, you do not make payments that we confirm are owed under this Agreement, we may report you as delinquent.
Consumer complaint received 2023-08-10
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. (WI)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX account # XXXX Account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX Account # XXXX has violated my rights. 


XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2022-10-18
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. (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 XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX Have violated my rights. 

15 USC 1681 Section 602 A, states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than ( 7 ) 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 or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-18
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. (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 XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Have violated my rights. 

15 USC 1681 Section 602 A, states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than ( 7 ) 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 or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-10
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts XXXX accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (FL)

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, MA XXXX I called this office several times to make a payment, only to be told that, I cant discuss this account with you, and being told that your account is in review. I was told that an Attorney would have to review my account. I asked the representative, " Can I make a payment to you today '', the answer was " no, I can't take a payment ''. I offered to make payments, offered to give you bank information to make an immediate payment. The XXXX XXXX XXXX representative refused my payment. Therefore, on XX/XX/XXXX, I called Discover and made a payment of {$1600.00}. Discover took my payment information and sent me an email confirmation of payment. However Discover did not post my payment. I have confirmation that Discover took my payment, however they refused to post it to my account. In the meantime, they are reporting me to be 90 days late. These actions are WRONG! 
I have contacted The Attorney Generals office in Massachusetts and Florida to investigate this matter. Your records should reflect the number of times Ive called to make a payment. I didnt know that you could deny my payments and report me late to the credit bureaus. I have proof that I tried to pay this account.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/21 XXXX removed XXXX XXXX XXXXankruptcy. I have written Transunion and XXXX explaining and showing proof that it was removed from XXXX. I have requested XXXX XXXX Bankruptcy ( XXXX ) be removed from my Transunion and XXXX credit report. I have not received anything in writing or by email confirming it has been removed
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

A debt collection agency named XXXX XXXX XXXXXXXX XXXX placed a hold on our accounts and states they have a judgment against us from 2 years ago. We did not receive notice of the judgment and we have not received notification of a garnishment, however, all of our account including my joint account with my wife have been frozen as of XX/XX/2022 and they have drained the money out of these accounts. We do not have money to pay our bills and the payments that have been sent out are being returned as NSF.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

On XX/XX/21 XXXX removed XXXX XXXX  Bankruptcy. I have written XXXX and Experian explaining and showing proof that it was removed from XXXX. I have requested XXXX XXXX  Bankruptcy ( XXXX ) be removed from my XXXX and Experian credit report. I have not received anything in writing or by email confirming it has been removed