davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I was charged XXXX due to a claim made by avis that i owed for a car rental. Though XXXX claimed that i only owed XXXX which they claimed they never recieved in the first place after a few weeks after the ridiculous charge was made to my account, I had XXXX dollars in my account which made me overdrawn XXXX dollars. I repeatedly went back and forth with XXXX and XXXX  XXXX XXXX to understand why I was 1. Being charged over the amount that was claimed by XXXX. 2. Why did they allow the charge to be authorized when I did not confirm this charge knowing I had XXXX dollars in my account and 3. Proceed to tell me they would reverse the charge because I didn't authorize it and continue to allow charges to go toward my account from avis when the card was canceled and the disputes I had made. I made claim after claim in regards to this issue and called plethora of times and have had the phone hung up on me as though I was not a customer of the company, which i am no longer due to the lack of professionalism, communication, and all around treatment by Bank of America they have stole my money charged me an unethical amount of money and stole my piece of mind when a bank handles any of our hard earmed money. As a nurse that has to work long shifts everydayi would expect my money to be authorizedby me and me alone in order to pay for any charge. I wish to take legal action due to the fraud that is at play with this company and what they are doing to other Americans.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I deposited a cashiers check i received for payment for some XXXX  work into my Capital One 360 checking account. After depositing it said funds would be available by XX/XX/2021. I received an email 2 days later that my funds had been deposited and I could tear up the check. I then went to look at my online account and it said my account was frozen but the money did show up on the available balance. I then went back to email to re read the email that I was sent. After finding that, re-reading to make sure I hadn't missed something, I found another email from later the same day or the next day with a number to call. I called the number for Capital One, this was Saturday before mother 's day and they were closed. So I called Monday. I was on hold waiting for over an hour. When I finally got someone she asked me to hold so she could review in which after a couple minutes the phone hung up so I had to call and go thru the same thing again. 3 hours later a lady gets on the phone and tells me my relationship with the bank had ended and that the lady before had explained that to me. I told her I didnt know what she was talking about since I had not gotten to talk to the other lady. She was pretty rude wouldn't explain anything, and told me the only way I could get any money before they decided to give it to me was if I went to the atm and called them, to go thru the wait I went thru to get to her I imagine. Not my account page shows the check funds no longer available as they were before and the check is on hold but my balance still shows the check. The check is about XXXX. I dont understandhow or why they would do any of this. Yall act like I did something wrong. And then telling me I can't get my money unless I go there and call them so I can get any money is the most outlandish thing ever.
Consumer complaint received 2023-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

on XX/XX/XXXX i saw a XXXX  transferfor {$5000.00} from my Chase account that did not made by me i call the bank the same day to report a fraud .on XX/XX/XXXX they return the money but on XX/XX/XXXX they took it back.all this time i tried to recived my money back but Chase say no because its made by me.i am a victim and looking for help. Thanks
Consumer complaint received 2023-07-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Constar Financial Services, LLC (CO)

I was sent a letter for a dept from XXXX XXXX  that was paid in full from XXXX XXXX XXXX XXXX. I have the email from XXXX stating the account is paid in full. I do not know why this company is contacting me or trying to collect a dept that's already paid off. I have sent multiple emails to them with proof of that account paid in full with the same account number and they have failed to respond back in 7 days.
Consumer complaint received 2023-04-24
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. (TX)

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 is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (DE)

I am trying to pay my mortgage payment bi weekly through the mortgage company, but they do not offer it because then they lose out on interest. So I pay bi weekly through my checking account bill pay on the XXXX and XXXX of every month. They will not apply that amount to the balance due unless I call. I get an email on the XXXX of the month stating my mortgage payment has not been paid because they refuse to apply my bi weekly payments to the due amount.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX  is reporting a late payment for the month of XX/XX/2023. However, the monthly payment was made and submitted to XXXX XXXX  on XX/XX/2023. Therefore, there should not be a 30 day late reporting.
Consumer complaint received 2023-08-23
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. (NY)

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORT. XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting 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 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 an account without my written instructions.
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (VA)

I filed a claim with XXXX XXXX in XXXX because I was not able to pay the bill due to being XXXX. I updated my address, but never received anything from them. I explained this to XXXX XXXX  multiple times and updated my information with both companies, yet I didnt receive any paperwork until XX/XX/XXXX. I have been harassed every single day multiple times a day since XXXX, even after I asked for them to contact me only through mail. On XX/XX/XXXX, I spoke with XXXX XXXX with XXXX XXXX  and explained my entire situation and she offered to place me on a hardship plan. That was never offered before. She wanted me to check with the insurance company first to see if they would still cover my debt and follow up with her on Monday, which would have been XX/XX/XXXX. She verified my phone number and also my mailing address and assured me that I would not be called again. I was contacted by XXXX XXXX  at least 10 times between XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX, a distant cousin sent me a detailed voice mail message from XXXX that was left on her answering service for me threatening to take legal action. I dont understand how my family member was contacted about my personal business, but to get that message from them was humiliating. I have never given anyone permission to contact my family or anyone other than me. I need this rectified immediately and because of the inconsistencies with this company I want the debt erased. I am XXXX, waiting to resolve my XXXX and I am unable work. I lost my house and have not been able to pay my bills ; this is stressful in itself. My XXXX is both physical and emotional, so when they constantly call and harass me, threatening me after Ive explained my situation MULTIPLE times, it causes me even more stress. I am highly disappointed in XXXX XXXX and feel that they have violated the Fair Act Collections Practices Act in contacted me and relatives leaving detailed messages about my debt.
Consumer complaint received 2023-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

My banks phone number was spoofed, and a scammer called me acting like my bank to gain information about my account. They retrieved information by claiming to be the fraud department. They took my information and wired themselves {$9800.00}. After investigation, my bank only partially refunded me my money and when I called about the remaining money that was owed to me, I was told that I was not going to get my refund because it was my responsibility for the wire transfer. I asked to put the case under re-review and it came back that it was still not deemed as fraud. I have the phone number that the scammers used to scam me.. to add that the scammers also ported my phone so that every call or text message that I received was sent to their phone. Again, I have the number that was used, It is recorded by my bank that it did look like someone from USAA called me but did not leave any notes about the call which goes against protocol. Even the representative said that it was odd that there werent any notes about the call, so they deemed it as a scam call and labeled it as a phishing call. This has been going on for almost two weeks and I have not been given a direct answer as to why the fraud department clarified it something that was not fraudulent.
Consumer complaint received 2023-04-11
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. (TX)

This is my numerous 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 Balance : {$4900.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$1300.00}, XXXX XX/XX/2022
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

i HAVE BEEN CONTACTING XXXX, EXPERIAN AND XXXX FOR MONTHS NOW TRYING TO GET INQURIES, COLLECTION REMOVED FROM MY CREDIT REPORT. THEY TOLD ME THAT THEY WERE GOING TO REMOVE THE XXXX PLUS INQURIES AND THEY HAVE NOT.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

For XXXX weeks now, with documented proof, XXXX has been manipulating my credit score, showing the available credit from XXXX to XXXX back and forth repeatedly, dropping my credit score significantly, additionally they are mis representing my current credit score purposely in retaliation for me making complaints about incorrect information on my report, they continue to keep accounts on the report that have been proven as fraud, I had fraud protection with them when these accounts opened and they refuse to satisfy the contractual obligations in regards to the fraud, XXXX card, was opened via online portal using my information, I sent a police report and had fraud alert added on my file and they still attribute the account to me, they have no signature with my name and nothing proving the debt is mine XXXXXXXX XXXX XXXX XXXX XXXX I challenged this on my credit and my credit score remained the same throughout the investigation, furthermore, I asked for the contract and received a copy of it with a signature that said " XXXX XXXX '' I have repeatedly denied this being my auto loan, as it belonged to an ex girlfriend, I did not sign a contract or agree to a contract yet it remains on my credit report. 
XXXX. XXXXXXXX XXXX XXXX I had I card that was secured which I paid XXXX dollars for to build credit, they lied and manipulated my credit score repeatedly, I paid the card off and never received my XXXX dollars back, I closed the account in XXXX and it still shows up on my credit report with late payments into XXXX, I brought the bureaus up to speed on this and they refused to make any changes, I challenge companies information and the records stayed on my credit report.
Consumer complaint received 2023-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

XXXX XXXX servicer Shellpoint Mortgage has yet to produce the original promissory note of the loan agreement proving its legitimacy signed by both parties. I claim that the original promissory note are unclear and difficult to understand and very predatory in nature. Confusion as to what was financed and owed. My mortgage has been transferred more than 4 times causing major confusion on what the actually balance is.
Consumer complaint received 2023-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OH)

I receive a call from Navient at least 3-4 times per day starting at XXXX XXXX and ending at XXXX XXXX Ive been told that navient had a meeting and they decided to no longer be apart of the group of student loan companies that are delaying payments until XX/XX/2023. It also appears that interest has accumulated, when Biden placed loan payments on hold my account was approx {$10000.00} now its over {$11000.00}. This company is awful, they bully people and when you ask for deferments or loan payment reductions Navient will tell you that youre not eligible for anything.
Consumer complaint received 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-21
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. (NC)

XXXX XXXX in the amount of {$830.00} I have tried to resolve this issue several times with no good results they aren't willing to help do anything this is stopping me from getting a home for my family. which is very important to me and stopping me from getting reliable car. according to 15 U.S.C 1681 there shouldn't be any damages on my report its defamation to my character
Consumer complaint received 2023-09-08
Product: Credit reporting 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 XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 2023-04-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXXXXXX XXXX XXXX, Portfolio recovery went to the courts with wrong information. Had a woman come to my last address XXXX XXXX XXXXXXXX XXXX XXXXXXXX Florida XXXX. I tried to dispute this matter and talk to someone. This company still call my phone and was sending threatening letters.
Consumer complaint received 2017-05-17
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. (VA)

I 've spoken with Transunion by phone and also sent them a certified letter about removing my hard inquiries because some of my inquiries were removed and then reinserted later. Others I 've explained that the inquiries were not authorized by me but they still remained as well. I would like all of these to be removed.     C redit Inquiries   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , DE   XXXX     XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , DE  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , DE   XXXX     XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX    XXXX   XXXX   XXXX   XXXX    Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , PA  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , VA  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , DE  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , DE  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT   XXXX     XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT  XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA   XXXX     XXXX   XXXX   XXXX   XXXX    Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX