davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
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. (PA)

I have reviewed my consumer credit report and the company XXXX XXXX has inaccurate information reporting on my consumer report. XXXX Account number XXXX stated that there is currently reporting that there is an amount due. I have contacted experience on several occasions to perform a thorough investigation and re-investigation providing accurate information. It was stated in a report that the credit bureau completed both a procedural investigation and a reinvestigation deeming the information as accurate. I have asked for proof of how this re- investigation was done and how this information was verified and was not provided with a response. This account was reported as charged off on the following date XX/XX/2024. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This is inaccurate information falsely manipulates the statute of limitations. The account failed to be investigated properly and the neglect has violated my rights. XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Under the Fair Credit Reporting act this account may not appear on my credit report if it can not be supported with proper evidence. I have asked and submitted substantial documentation to have this account removed from my credit report and that the fair credit reporting act is followed.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Started calling back in XXXX about money disappearing from my account. I was first told that amounts in pending is money that could still be spent which is not true amounts in pending mean that that have already been deducted and waiting foe merchant to claim. I then went called the bank again in XXXX and was told that since there has been fraudulent activity then a new card would have to be issued. After receiving the new card I had to go into the main branch and show my I.D twice due to my card being being locked. Then it started happening again so I went back into the bank a week ago and the bank advised me to close the account and open a new account. The very next morning my banking history and app on my phone was deleted and it stated I logged in at XXXX as last login. I was still asleep at that time. I then went back to the bank and the woman I spoke with by the name of XXXX advised me to close the new account and start another account. No fraud investigation was done or anything. I have been going through this for months and after looking at statements money was transferred from my account through internet transfers. and multiple duplicate transactions. I even tried contacting local police and was told to basically figure out who could have access to my info.
Consumer complaint received 2023-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

My name is XXXX XXXX and my loan is XXXX. PHH terminated my ACH agreement on XX/XX/2023, didn't notify me via with proper notification, and subsequently violated Reg E when they didn't complete the agreed upon ACH draft on XX/XX/2023. As a result of this violation, I was assessed a late fee of {$160.00}. 

Their notification was completed in electronic form only and uploaded to their internal portal. I did not receive a physical notice or any e-mail notifying me of a message in my portal that would indicate that my draft was cancelled. 

Upon realizing in late XXXX that my payment had not been drafted, I promptly made the payment, rescheduled Autopay, and requested a waiver of the late fee. They declined.
Consumer complaint received 2024-03-28
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. (CA)

I am writing to dispute several accounts on my credit report that resulted from identity theft. These accounts do not belong to me and I am the one disputing this fraudulent information. I have already informed the companies involved about the fraudulent activity. Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. Please delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (NY)

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 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 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 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2016-07-15
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: BAM Financial, LLC (AZ)

A company called XXXX XXXX calls continually looking for a family member. They are calling everyone in the family, disclosing personal information and threatening everyone if we do n't give them the location of this person. They continue to call my home and business number for a debt THAT IS NOT MINE, it is for the sister of my domestic partner. I was threatened with jail, a warrant for my arrest, etc. When I told them I was n't who they were looking for, they slung a stream of abuse at me and did n't believe me. I asked for their contact information and they refused to give it to me. I asked them to stop calling here, and they have continued to call five times a day, repeating their threats, looking for someone who IS NOT HERE and has never BEEN here. I am sick of their harassment and abuse. When I ask them to stop calling, they call MORE OFTEN. This has to be illegal.
Consumer complaint received 2023-02-02
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: CAINE & WEINER COMPANY, 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.

XXXX  Account # 0
1 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 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (GA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts listed below have violated Federal Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681 Account 1. XXXX XXXX 2. XXXX XXXX XXXX 3XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

In XXXX, my wife XXXX and I ( XXXX ) applied for a HAMP agreement that would allow us to stay in our Vermont home. Wells Fargo stalled and stuttered for years until practically all our equity was gone. 
We sued Wells Fargo and in XXXX the Vermont Superior Court agreed that the HAMP agreement fit the necessary bank compliance with borrowers when Wells Fargo and XXXX signed the bailout agreement with US Congress. 
A HAMP agreement was set in place in XXXX. However, Wells Fargo was enabled to capitalize accrued interest between XXXX and XXXX that wiped out all the equity in our home. 
We have since sold the property and paid off Wells Fargo in full. We have been damaged by Wells Fargo- they could have struck a HAMP deal in XXXX, but delayed to gain interest in our property and try and force a foreclosure on a resort mountain property complete with a brook and pond. The bank stood to make a huge profit selling our property. We were tied to Wells Fargo like being tied to the railroad tracks! No other bank would touch us since Wells Fargo reported delinquencies. CFPB recently recovered $ XXXX from Wells Fargo for grifting on customers. 
It became a con game for them.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (DE)

Citi Bank did not apply the 24 Month Interest Free Promotion on my XX/XX/XXXX, XX/XX/XXXX combined contract purchase of {$4400.00}.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MA)

I have been struggling to survive like many Americans. With inflation, the cost of living, food, medical expenses - I have very little to nothing on a quite frequent basis. My personal checking at Wells Fargo was just closed d/t approximately- {$210.00} balance. Meanwhile, they send me a notice that they have collected upwards of {$1500.00} in overdraft fees from me this year alone. To know they have taken away more than what I make in a weeks ' time is beyond hard to overcome. They have constantly left me to suffer, my car nearly getting repossessed, me nearly becoming homeless all on account of their fees. I have called them crying and begging for some of the money back, even enough to just break-even but they constantly decline. I am absolutely outranged that my account has been closed over money to me that should be there. They imposed these fees sometimes XXXX per day of {$35.00} - for someone with my salary and needs there is no way to overcome that setback. To know that they closed my account for so little money, after taking so much of my hard-earned money was extremely disheartening. I even explained how I live XXXX states away from the closest branch/ATM to deposit cash into and still not a single person cared. I can not physically drive to XXXX XXXX from XXXX just to deposit money I hardly have, into an account that does not respect me and continues to drive fees at me. I nearly lost it all in my life.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have requested that all credit reporting agencies update my personal information to reflect my name and address and remove all others appearing on all XXXX  reports. The only name and address that needs to be ( see below ) on all XXXX  reports should be. 

As of the date of this complaint, this has not been done. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: CL Holdings LLC (GA)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts, due to the XXXX Data Breach identity Theft. Each creditor and credit bureau is violating the 81 USC 1028 ( a ), which is aggravated Identity Theft, which I am very disgruntled about. Also, according to FCRA 605 B, this Information must be blocked immediately. Also, in pursuant of 51 USC 1681, B. The credit bureaus by law aren't allowed to furnish anything on a consumers credit report without the consumers Written Consent. XXXX, XXXX, and XXXX, and each creditor who listed fraudulent information on my credit report is violating the law, and if this is not fixed then you al will be held {$1000.00} per violating. Please comply. The following accounts that are fraudulent are listed below : XXXX XXXX-Account Number : XXXX ( Date Opened : XX/XX/XXXX ), Jefferson XXXX XXXX XXXXXXXX Account Number : XXXX ( Date Opened : XX/XX/XXXX ), XXXX XXXX- Account Number : XXXX ( Date Opened : XX/XX/XXXX ). Also, 1 Inquiry : XXXX ( Inquiry Date : XX/XX/XXXX ). This is my second time disputing this account information and XXXX and each of the above creditors are in violating of the laws and if these fraudulent accounts issue on my credit report is not removed within 4 days, according to the law, then I will be taking XXXX to court and will be filing a lawsuit.
Consumer complaint received 2024-03-27
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. (NC)

hello I have tried to remedy the fact XXXX gave experian, XXXX, and transunion has been reporting the history of my credit extension which XXXX understand by law is illegal without my written consent. I have never provided consent to ( company name ) to supply this information. of course in my attempts to correct this I've been ignored and refused of my rights here is the law that i've quoted for your and there reference for the matter at hand please help me to have them comply with fed regulations. 
15 USC 1681 section 501 which states that I have the right to privacy - furthermore 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions pursuant to 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by the section 1637B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave you or the above listed creditors any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681B credit report an agency caused severe stress and anxiety due to the abusive and unfair practices.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I opened an account online with Bank Of America XXXX. XXXX, 2022. I deposited {$100.00} into the account. On XXXX XXXX, 2022, I tried to log in to my account online and was blocked from doing so. I called the customer service number for Bank Of America that evening and was told that my account was closed. On XXXX XXXX I again called customer service during regular banking hours and was told that there was a freeze on my account and the bank decided that it was best to close my account for business purposes. I inquired about receiving the money in the account and was told to go into the branch with my ID to get the money. I went into the local branch that afternoon and was told that they cant give me my money, the account was closed. I asked for someone in charge and was told he was with another customer and to make an appointment which I did for XXXX pm on XXXX XXXX XXXX After going in and speaking with the bank manager I was told that the account is going on for closure and they planned on sending me my money with a cashiers check. I also let them know that I changed my military allotment to go into that account and wanted to know what would happen to that. They explained that it would be mailed to me. First of all, if the account is still open, why can I not get my money out. Secondly, if the account is still open why am I being told its closed. They also had the nerve to ask me if I wanted to open a new account. Can you please help me get the funds that are currently in there and any future deposits expeditiously. Per there own words they have until XX/XX/XXXX to close my account. At that point I will receive my money. How fair and right does this sound. Who gives them the right to hold MY money XXXX?
Consumer complaint received 2022-11-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

I received a collection letter for a medical bill. When i went to pay online there were 3 options. E-check, credit card, or HSA. When I attempted to use the E-check option, it failed to process 3 times, and directed me to call customer service. To avoid long wait times on the phone, I ended up paying by credit card, which included a {$23.00} convinience fee for a {$390.00} bill. The transaction fee seems predatory because I don't know of a single credit card company that charges an almost 6 % transaction fee. Although, they gave the option to pay by bank account, it almost felt like the option was set up to fail so that people would default to paying by credit card, and paying the exorbitant fee.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (FL)

I am filing a complaint because I was recently denied a credit card from Discover and know that I was discriminated against and that their decision was based off of information retained from my credit report which is filled with inaccurate and false accounts that I have been disputing with the credit reporting agencies. There were multiple violations of my consumer rights that they are liable for not only civil but also criminal. Attached is a letter I have prepared stating the violations from TILA, ECOA, etc. Congress wrote these laws to help and protect consumers such as myself. I have also submitted a complaint to the Attorney Generals and the Federal Trade Commission. My concerns continue to be ignored and I havent heard anything back from Discover in a week after sending an email to corporate where XXXX XXXX said that she was going to investigate.