davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (WA)

On XX/XX/2022 I made an attempt to withdraw {$60.00} cash from a XXXXXXXX XXXX ATM machine. I accepted the XXXX fee and waited for about one minute. Nothing came out. I took my card out and tried again and then I was declined. 
I checked my XXXX card and it showed a - {$60.00} and a - {$2.00} fee. 
I called The number on the ATM machine ATM XXXX in XXXX I was advised to call the card issuer ( US Bank ReliaCard ). After 4 separate phone conversations the claim was filed. I called immediately after transaction. 
I called usbank ReliaCard to follow up on XX/XX/XXXX I was told I would receive a call back. That never happened. 
The claim was mishandled XXXX separate times each time I was told it would take up to 45 days. I spent many days and countless hours on the phone. Much of the time was on hold waiting for help. 
Finally on XX/XX/XXXX I was told I would get a provisional credit within 10 days I did not get provisional XXXX. On XX/XX/XXXX I started my calls every day in the morning and was never were answered. The hold lines would be over an hour and finally I would give up. Id try again the next day to no avail. 

Finally on XX/XX/XXXX. I reached a person she told me that the claim had been resolved and declined. She said that happened on XX/XX/XXXX XXXX received no such letter. 
She said the XXXX showed nothing went wrong and advise me to call XXXX which I did and they advised me to go back to ReliaCard US Bank. I was also told they would not reopen my claim, unless there was a new information. 

The whole thing is just a waste of time, but its a matter of principal, I did not get my money from this machine and Im very irate. I got the run around. 
All the time that I spent on this claim for XXXX and they cant seem to find an error. 
Please help me. 
Today, I changed my direct deposit to go into my regular banking account. 
If this incident happed on my regular banking account, I would not have this problem. 
ReliaCard is very unreliable and hard to reach this very messy business.
Consumer complaint received 2023-05-19
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-05-19
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: Experian Information Solutions Inc. (FL)

I have noticed several inaccuracies in the way my accounts have been reported. The information provided does not reflect the true status of my accounts or the accurate payment history associated with them. There are many errors on my report and I feel that I am being taken advantage of.
Consumer complaint received 2024-04-18
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: ALLY FINANCIAL INC. (FL)

On XX/XX/year>, Auto Dealership Named XXXX XXXX XXXX XXXX ran 11 credit inquiries without my consent. The dealerships address is XXXX XXXX XXXX XXXX XXXX, FL XXXX and their phone number is XXXX. The sales person I worked with, XXXX, said he would only perform a soft inquiry. Could these inquiries be removed from my credit report please? They lowered my credit score significantly.
Consumer complaint received 2023-05-19
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. (TX)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-26
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. (GA)

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 Number:XXXX  has violated my rights. Or a list of inquiries : 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 2017-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (CA)

On XX/XX/2014, I contacted the Consumer Financial Protection Bureau and filed a complaint against Enhanced Recovery LLC because they placed a fraudulent account on my credit from XXXX in the amount of {$780.00} without contacting me. Case Number XXXX. 

I discovered on my birthday XX/XX/XXXX that a company by the name of XXXX has now placed the same exact account on my credit 3 years later also without notifying me first to validate the debt!!! 

I am a victim of Identity Theft and i have a police report on record and i am requesting the account be removed immediately!!! 

XXXX Account Number XXXX XXXX
Consumer complaint received 2023-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (CA)

On XX/XX/XXXX my neice sent me 30 followers to my goggle pay acct and since then I've been trying to add a card to with draw the funds and I even tried send her the XXXX back but said my acct was suspended and when I sent in all the proof to them ontop of talking to Google and answering there questions the emailed me today to let me know that that closed my Google pay and can'teven refund my XXXX bucks or even send it back to the sender .and that they don't have to explain why.
Consumer complaint received 2018-01-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIRST CALIFORNIA MORTGAGE CO., INC. (CA)

I applied for a mortgage loan with First Cal mortgage phone # XXXX was approved the escrow went through and we moved in and my first payment was due XX/XX/XXXX, ,I received a letter XX/XX/XXXX ( dated XX/XX/XXXX ) that a new servicer XXXX/XXXX  XXXX will be accepting my payments so I called the provided phone numbers from each company and verified that I have to make the payment to new company with a new loan number, XX/XX/XXXX I made my first payment with a check draft out of my checking account, on XX/XX/XXXX I received a statement from First Cal demanding payment for XX/XX/XXXX and XX/XX/XXXX so I called them to verify and they said it 's probably a clerical mistake I asked them please to correct their statement and this is causing a great deal of XXXX for me and my family the lady on the phone promised it wo n't happen again,, on XX/XX/XXXX late in the afternoon I had a message left on my voice mail from First Cal collection department which I tried to call back but because of Hollidays could not get hold of no one this has turned into a nightmare, I have followed instructions from First Cal whom to make my  payments to and now they are demanding payments again I need some help please.
Consumer complaint received 2024-04-18
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: PNC Bank N.A. (FL)

On XX/XX/24, Auto Dealership Named XXXX XXXX XXXX XXXX ran 11 credit inquiries without my consent. The dealerships address is XXXX XXXX XXXX XXXX XXXX, FL XXXX and their phone number is XXXX. The sales person I worked with, XXXX, said he would only perform a soft inquiry. Could these inquiries be removed from my credit report please? They lowered my credit score significantly.
Consumer complaint received 2024-04-18
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: TD BANK US HOLDING COMPANY (FL)

On XX/XX/year>, Auto Dealership Named XXXX XXXX XXXX XXXX ran 11 credit inquiries without my consent. The dealerships address is XXXX XXXX XXXX XXXX XXXX, FL XXXX and their phone number is XXXX. The sales person I worked with, XXXX, said he would only perform a soft inquiry. Could these inquiries be removed from my credit report please? They lowered my credit score significantly.
Consumer complaint received 2023-04-03
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. (NY)

I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX Balance {$22000.00}, XXXX XXXX XXXX Balance {$1200.00}, XXXX XXXX XXXX Balance {$20000.00}
Consumer complaint received 2023-02-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I contacted Wells Fargo because I'm eligible to remove the Mortgage insurance off my loan. They told me that they don't remove the Mortgage insurance and I have to pay it until the end of my loan which is incorrect. PMI can be canceled after your home 's value has risen enough to give you 20 % to 25 % equity in your house. The value of my house has increased over 25 % in past XXXX XXXX XXXX. So they refuse to remove it for whatever reason.
Consumer complaint received 2015-08-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Credit Corporation (MD)

I moved into a house from XX/XX/XXXX and moved out of the house XX/XX/XXXX. My land lady forward the washington gas bill with an established account servicing the house. I paid off XXXX XX/XX/XXXX and inform them i no longer reside at the residence since XXXX. i move on with my life. XX/XX/XXXX. XXXX XXXX sent my information to collection agency in the amount of over {$300.00} with a new established account number trying to make me to pay them for service i dont know anything about. 

I called XXXX XXXX and they said the reading meter for that high bill started XX/XX/XXXX and someone actually paid {$400.00} in to that account but still owe them. Clearly XXXX have information of a check name or creditor name that paid and owe them but i dont know why they are harassing me and they also told me they cant remove my name from the account because the landlord never assumed responsibility for the account when i left in XX/XX/XXXX. This is not true because the accounts numbers from when i lived there to this ridiculous charges are XXXX different account numbers. This is a fraud against consumer. A manipulation to make someone else pay for bills of another. 

i emailed the land lady to call washington gas more than once and she never returned my emails. 

In the nutshellmy duration at the serviced house was 2 months XX/XX/XXXX- XX/XX/XXXXi paid them XX/XX/XXXXsent them all the documentation of moveout and payment XX/XX/XXXX after harrasement phone calls. 

they sent collection agency to me XX/XX/XXXX with new establishedXXXX XXXX account number with my name listed on it. My previous account number was different.
Consumer complaint received 2023-04-03
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. (IL)

PLEASE REMOVE THE FOLLOWING ACCOUNTS INCLUDED IN THIS REPORT BECAUSE IT VIOLATES MYCHARACTER AS A CONSUMER ACCORDING TO 15 US 1681B PLEASE REMOVE ASAP
Consumer complaint received 2017-03-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: KeyBridge Medical Revenue Management (OH)

The Debt collector Key Bridge Medical. has been attempting to a collect a debt that the State of Ohio paid through the State of Ohio XXXX program. They as well as the original creditor has been made aware of these debts being billed and paid by the XXXX program. The Original creditors have assured me on numerous occasions that they would have this company remove the debts from there files and my credit reports. This has been an on going issues for several months. The accounts in Question belong to the XXXX XXXX medical Center and XXXX XXXX. They have also called and harassed me after I mailed them a cease and deceit letter, I was told by them that I would be sued for the amount they say I owe when clearly it was paid by the government and was told they did not care what XXXX paid or did n't pay they only care about what they were told to collect. I demand that they cease all collection activity, and verify with the State of Ohio that there was XXXX coverage at the time of service and that it was paid. They are reporting the same account several times in an attempt to force me to pay the debt or have bad credit. When I mailed them a demand for validation of the debt I never received a response. They have clearly violated several federal Statutes that pertain to fair debt collection, and improper reporting of information to the credit reporting agencies. They have done harm to my credit, and my reputation by there falsehoods and illegal acts.
Consumer complaint received 2023-03-02
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. (AR)

I discovered that you are reporting Deleted account from other Bureau when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require theTransUnion to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct :
Consumer complaint received 2017-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (FL)

receivables management sv c is reporting false information to all  XXXX  credit bureaus. they are attempting to collect for services I never had. credit reporting amount of {$590.00} that I do not owe. I have reached out for a debt validation and gave them 30 days to respond but I never heard anything back.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OR)

Experian is not listing two accounts for which I'm an authorized signer. 

XXXX. XXXX  account XXXX XXXX. XXXX account XXXX
Consumer complaint received 2021-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (GA)

On XX/XX/21, I spoke with XXXX about my account. I advised of hardship and she said that she would put a hold on my account with no payment due. I checked my account today and noticed that I am now due for {$520.00} next month and I am not understanding why when I was told the account would be put on hold for one month. When I spoke to XXXX today I was told that the " hold '' only eliminated late fee but it didn't cancel payment completely and I was unaware of this. As a result, I am filing this complaint.
Consumer complaint received 2017-04-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CA)

It all started with my son, XXXX XXXX XXXX. They sent my son the statement first, calling him numerous times. He spoke to many customer service agents. His ss # never matched their records. No help was done. Then one day they spoke to me, asked me information and my ss #, my number did n't match also. I told them when was the account opened? They said XX/XX/2007, well my son was only XXXX years old at that time. I told them do you give credit cards to kids that young? Never again did they call or statements being sent. I tried to get on my moms beneficiary for her bank account, of course it was Chase bank. They told me I could n't apply because of fraud. They showed my ss # with the same account number my son had with the same statements they were sending to him. As of today, I called my bank, XXXX XXXX XXXX they show no fraud on my accounts. But its on my credit report, XXXX. I also spoke with Chase bank they told me to send my information to XXXX. It was all good.
Consumer complaint received 2017-01-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IN)

Please see complaint # XXXX. As of today, XX/XX/XXXX, this issue has still not been resolved. The lien has still not been released. The mortgage company responded XX/XX/XXXX that the issue would be resolved in 15 days. Please assist me in resolving this issue.
Consumer complaint received 2024-03-01
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. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. As this my 3rd time trying to remove these items so I can buy a homeThis is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT furnish people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2024-03-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$490.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} All were reported to Bank of America.

Nothing done.
Consumer complaint received 2023-03-02
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$240000.00} XXXX  XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX  XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$21000.00}