davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : Untitled Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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.
Consumer complaint received 2023-09-05
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. (CT)

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 a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card 63 account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (IL)

I have reached out to Gemini multiple times without access to transfer my funds and assets from their platform. Funds to cover any loss to Gemini were left in my account intentionally to make them whole after I discontinued an ACH transfer. Gemini retrieved said funds from my account the same day they restricted my account. It has been 2 months and I continue to have my funds and assets frozen on the Gemini platform. My request is to have access to my funds and assets so I can remove them from Gemini and close my Gemini account
Consumer complaint received 2022-10-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC. (GA)

Received an email stating I opened a savings account ( Ally Bank ) that I did not open. Received an email shortly after stating that I changed the email address on the account and the email listed is not my email. I called the bank listed on the email and they submitted a fraud case.
Consumer complaint received 2022-12-13
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. (NY)

In accordance with the fair Credit Reporting act XXXX  Account : XXXXXXXX XXXX XXXX  ; Account # XXXX, XXXX XXXX ; Account # XXXXXXXX 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 2023-03-11
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

In accordance with the fair credit reporting act 15USC 1681 section 602 states I have the rights to privacy.

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

15USC 1666B : Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-07-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (OH)

On XX/XX/20 I received an email from PNC bank informing me my account was negative {$54.00}. I made 4 online transfers from my reserve account to bring the account balance positive on XX/XX/20. Then at XXXX on XX/XX/20 I receive an email saying my account was overdrawn on XX/XX/20. After reviewing my account pnc had reorganized my transactions causing me to overdraft. I brought the account current again on XX/XX/20 by transferring {$150.00} to my checking account from an outside account to bring it current. 

When I view my online account history my pnc account shows I have an ending balance of {$48.00} on XX/XX/20. When I called a rep at pnc on XX/XX/20 they informed me my ending balance was - $ XXXX on XX/XX/20. 

I believe PNC online banking is deceitful. It will show pending transactions, then drop them off from your account and online balance total for a few days before reposting them to your account again. I have been informed by a rep on a previous call that online bank balance is not a true representation of the actual account balance. This seems to be the case again and this is the second time it has happened.
Consumer complaint received 2022-12-02
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. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (UT)

I used to have my AMX credit card on my old XXXX account. I had to close and reopen my account due to adding a charity. While adding my AMX card it wouldnt allow me to add it to my XXXX account. I contacted AMX and they said I could only use Send and Split even though I told them I was using XXXX for merchant purchases only. They told me that was all I could use. Their agreement they sent specifically says Send & Split can only be used for personal money transfers and not for paying merchants. They are violating their agreement and not allowing me to use my credit card on XXXX for merchant purchases. 
This is from their agreement : Send Account and Send General : Send allows you to send money to friends, family and other individuals that you know and trust. Do not use your Send Account to send money to people you don't know. You are not permitted to use your Send Account to pay for the purchase of goods or services, to make payments to merchants, or for any type of business payment or other similar designations, or to make payments on loans or debts you owe arising from the purchase of goods or services or other transaction with a merchant. Your Send Account will be opened after you accept the Terms and the Consent Statement to Electronic Delivery. 
They are essentially violating their agreement and not allowing me to use the credit card as intended for purchases with merchants. They have created a situation that forces me to either violate their terms or to use another card and not get the benefits I expect while using this card.
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

XX/XX/XXXX : I was provided with a refinance Loan Estimate after I applied to refinance my mortgage through my existing/ current mortgage company, PHH .

I agreed with the refinance estimate which provided the amount of {$120.00} from the borrower to close. 

I also had to pay for my own appraisal. 

My rep advised there would be no more out of pocket expenses. 

Total loan amount : XXXX, rate 3.125, P and I payment {$2400.00}, Impounds $ 928 monthly AFTER repeated attempt to obtain closing dates I received an outrageous estimate. 

XX/XX/XXXX : Loan Estimate Info Total Loan amount : XXXX, rate 3.125, P and I {$2400.00}, Impounds $ 943 monthly {$71000.00} from borrower to close. 

I was subsequently advised they were not approving my loan because : 1. I have unacceptable collateral. 
REPLY : I have a well maintained home with a minimum XXXX value attempting to refinance a XXXX mortgage. 
2. We do not grant credit in the conditions you have requested. 
REPLY : I was happy with the original conditions. I NEVER requested to change them. 
3. Unable to verify assets. 
REPLY : I provided any and all requests for bank information. A rep advised he was unable to verify he was unable to verify the XXXX needed for closing. I never agreed to pay XXXX to close. 

UPDATE : I have not received any responses after multiple emails with my concerns. After reading information on your site I see this may have been illegal.
Consumer complaint received 2024-04-26
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: CITIZENS FINANCIAL GROUP, INC. (IL)

On my XXXX credit report the following inquires appear in which I did not authorize. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX Citizens Bank XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX I have reached out to each company and they stated there is no account open and no proof of me requesting their services. I have contacted XXXX multiple times and they are refusing to remove from my report.
Consumer complaint received 2023-08-11
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. (NC)

THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.
Consumer complaint received 2023-08-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (VA)

Convergent Outsourcing account : # XXXX XXXX  account # : XXXX XX/XX/XXXX To Whom It May Concern, This reply is in response to Convergent Outsourcing letter dated XX/XX/XXXX, which I received from your office. As a result of my investigation, I am replying with the following information : I sent the first debt validation letter to Convergent Outsourcing Inc., XX/XX/XXXX. The next debt validation letter was sent on XX/XX/XXXX, I sent a debt validation letter to Convergent Outsourcing requesting additional information. I sent a third debt validation letter on XX/XX/XXXX. Convergent Outsourcing did not respond to any of the requests sent. On XX/XX/XXXX, I received a letter from Convergent Outsourcing requesting I submit a fraud claim for the account in question. I do not have a contract with Convergent Outsourcing and will not be providing my drivers license, social security number and/or any personal information. This is a stall tactic and again, Convergent Outsourcing has had more than 3 months to provide the required debt validation information under the Consumer Protection Act. Therefore, the debt Convergent Outsourcing is attempting to collect must be removed from my credit file immediately. In addition, XXXX confirmed XXXX did not release the debt from them until XX/XX/XXXX. By law, ( 3 ) companies, XXXX, XXXX and Convergent Outsourcing can not collect on the same debt, at the same time. Convergent Outsourcing has failed to provide a signed contract by me, nor have they completed the required by law, debt validation I have requested on XX/XX/XXXX. 

Please remove this account from my credit report effective immediately. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-12-12
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and 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 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 2021-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Between XXXX XXXX XX/XX/2020, this has been a nightmare of not getting anywhere. I am very frustrated and feel like am being bullied and push in a corner by EXPERIAN, XXXX and XXXX, alleging that am a fool and could not be writing intelligently and i have no rights to communicate anybody as i must deal with them only. what a shame that me as consumer being bullied by the big companies. I feel like when i was in prep school.. i am asking you to help as i still have freedom as a consumer to legally communicate with who has my personal info and causing my unhappiness. 
Do they have a right to just ignored my request and pushed me in a corner and dictate how i should only communicate. Really?
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-10-22
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States l have the right to privacy.

15 U.S.C1681 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 2023-08-11
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: Resurgent Capital Services L.P. (NY)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors XXXX not furnish any information relating to XXXX XXXX reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 

Prohibition : a law or regulation forbidding something
Consumer complaint received 2022-10-22
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States l have the right to privacy.

15 U.S.C1681 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 2022-12-10
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: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc. (PA)

In XX/XX/year>, I had 3 credit card accounts hacked, including my account w/Prosper. I notified the company at that time regarding the unauthorized & fraudulent transactions. Since XX/XX/year>, I have written Prosper 5 letters & have made 7 phone calls regarding this issue. Again, I have requested to speak with a company representative in XXXX TX and have been denied this request numerous times. I want my balance cleared to zero & credit record to reflect no damage. The other 2 credit card companies have acknowledged the fraud and corrected my credit & corresponding rating.
Consumer complaint received 2023-08-11
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My husband and I had a credit card for more than XXXX years with Bank of America. We had credit ratings of the mid XXXX and a credit line of {$30000.00}. We paid our full balance every month, on time. My husband passed away, so I closed that account and opened one in my name. My income is about half of what our dual income was, I have no mortgage, rent, or car payments, and my personal credit score was XXXX. I was given only a {$5000.00} credit line on my new card, and my credit score began to plunge. I used over half of that available credit in the first month, again, paying off the entire balance on time. However, my score continues to plunge. The excuse is that I used over half of the available credit! Is this some kind of Catch 22, or a scam? They give me an insultingly low credit line- totally disregarding my history with this institution- and then ding me for using too much of it?!!! I took out a second credit card with XXXX XXXX and they only gave me {$3000.00} credit line. My total credit line is less than one-third of what we had previously and I am very upset over this, as my nearly-perfect credit score continues to plunge.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

We were charged {$120.00} by Alaska XXXX for XXXX XXXX transaction on XXXX XXXX. 2022 even tho that transaction never went through and was refunded on XXXX XXXX on the same billing. the transaction did go through a couple weeks later and they are going to charge another 5 % next billing. we shouldn't have to pay XXXX for XXXX cash equivalent transaction.