davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
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: Global Lending Services LLC (CA)

The reason for this complain is that my credit report was used without consent by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

On that day, My Girlfriend and I visited the XXXX XXXX XXXX XXXX  to test drive a used XXXX XXXX and to inquire about my chances of purchasing said car, since my credit score was very low. 

After test driving the car, I began to explain my poor credit history to the salesman. Knowing that I had bad credit and that my approval chances were slim, I started inquiring to the salesman if the dealership had any way to guess, through a soft check or any possible means, if I could be approved for the Vehicle and to estimate the kind of loan I would be looking at, if approved. I emphasized that I could not afford another hard Inquiry on my account and offered to give the salesman a copy of my XXXX credit report to review my history. Instead he declined and stated that his manager had the ability to make an estimate without running a hard credit inquiry. I believed him and gave him my social security number when asked while emphasizing that I am not authorizing a hard inquiry. The salesman comes back from his managers office several minutes later with a print out of the negative items on my credit report. He started reverberating everything I already told him earlier that was wrong with my credit score. I agreed with him of course that I had a large amount of negative items on my report and I left telling him that I would fix the items and come back another day to purchase the vehicle or better. I later find out that I received Inquiries from over 5 different loan companies, all deriving from that same dealership. 

Since then I have contacted the dealership and their manager XXXX has stated he will collaborate and back up my claim if ever contacted. Together we were able to remove my disputes from XXXX, now I need to remove them from XXXX and XXXX. Below are the companies that accessed my credit report that need to be removed. 

XXXX : XXXX- XXXX : XXXX XXXX Global Lending Service XXXX XXXX
Consumer complaint received 2024-04-12
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (NJ)

To whom this may concern, Per the FCRA as a federally protected Consumer I am now opting out of any and all Authorization I the consumer may have given to you written and un-written, verbal and non-verbal, Per 15 USC 6802.
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)

The following accounts have violated my rights. 
XXXX  XXXX XXXX Dept ed XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to.a consumer to any consumer reporting agency if the person knows or has reasonable cause. to believe that the information is inaccurate.
Consumer complaint received 2022-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MN)

Hi, I closed my Barclays XXXX XXXX in XX/XX/2022 with a XXXX balance after several incorrect billing cycles ( where fees were assessed that should not have been ). They removed all fees, got my account to a XXXX balance, and told me they closed the account. However, I continue to get emails saying my account is " very '' past due and I need to take action immediately to pay the $ XXXX I owe ( all fees that have accrued since closing the account ). I have called several times about this, and they keep telling me that it's closed with a XXXX balance and to " ignore '' the messages because there's some computer glitch that is keeping my messages in a " loop. '' However, I'm tired of the messages and just received a message that my credit score has dropped XXXX points because I have this " past due '' balance. I've spent XXXX hours on the phone/on hold with Barclays since this XXXX and no one can figure out what's happening. They keep telling me it's fixed, but it never is. Please help! I need my credit score to be back where it was!
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. (TN)

In accordance with The Fair credit reporting act the list of accounts below has violated my Federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Account # XXXX XXXXXXXX XXXX XXXX  : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXXXXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXXXXXX 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 USC 1681c 856 no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of a conviction of crime which andates the reports 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with The Fair credit reporting act the list of accounts below has violated my Federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Account # XXXX XXXXXXXX XXXX XXXX  : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX : Account # XXXX XXXX XXXX Co : 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 USC 1681c 856 no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of a conviction of crime which andates the reports 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: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (CA)

To whom it may concern : Without our consent there was multiples ACH transactions without our knowledge being debited from our savings account to at this moment an unknown wise account. Totaling a sum of XXXX in small transactions, such as XXXX and other amounts. These got undetected because we do have some legit payments with the same amounts such as vehicles loans, etc. 

Wise or chase have not been of any help at the moment. We are not even sure which legal steps to take either. 

I appreciated any help in advance.
Consumer complaint received 2022-11-25
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. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MD)

I am filing this complaint because Nationstar Mortgage LLC purchased hazard insurance when my mortgage was transferred from XXXX in XXXX of 2015. I have had continuous homeowners insurance coverage through XXXX XXXX. I have provided proof of insurance to Nationstar, and I am still waiting for confirmation that the hazard insurance payments will be waived. When I call Nationstar Mortgage LLC, the phone bank employees : a ) can not find proof of insurance documents that I uploaded to their website, b ) can not locate documents that were FAX 'd to Nationstar by my insurance company, c ) can not locate the documents that I mailed by certified mail, d ) claim that my insurance has had a lapse of payments, e ) refuse to escalate phone calls to supervisors, and f ) if they have trouble speaking fluent english they refuse to transfer the call to someone who can speak fluent english.
Consumer complaint received 2020-12-30
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (NV)

I Received a call today from a company from he name of IQ Data, they explained it was a debt for an apartment from earlier this year. I explained that i summitted a written dispute months ago and haven't heard anything until today. I wrote a letter disputing the charges, the representative instantly said they never received a letter from me and there was noting i could do, if i didnt pay the full amount of {$2000.00} today he would report to my credit. I tried explaining that the reason for me moving was due to XXXX, being laid off and not having a socuce of income. The representative XXXX said that wasn't his problem and its no excuse nnot to pay. I never refused to pay i just wanted to dispute the additional changes. The representative began to raise his voice saying i shouldn't have moved if i couldn't afford it, he then went on to say hes been in the field 15 years and they are not going to reduce the fees. I asked to speak with a supervisor he placed me on hold XXXX hung up also laughing while doing so. I called back right away only to speak to a supervisor who didnt care and as far as his employee he said he would look into it. Ive recievd multiple calls before im even up XXXX. With everything going on no one deserves to be treated this way.
Consumer complaint received 2023-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Velocity Portfolio Group (TX)

I am writing this letter to lodge a complaint against Velocity Investments LLC ( VIL ) for violations of the Fair Credit Reporting Act ( FRCA ) for its refusal to comply with its duties imposed by the law.

A. Company Contact Information Velocity Investments LLC ( VIL ) XXXX XXXX XXXX, XXXX, NJ XXXX B. Specific Complaint On or around XXXX XXXX, I filed for bankruptcy and subsequently, XXXX XXXX XXXX, ( UNI ) informed me that on or around XX/XX/2020, they had sold the loan to XXXX. I have attempted to correspond with VIL, pertaining to this matter but have thus far refused to respond. I have requested the following information : 1. Verification that VIL did in fact, purchase the rights to this loan on or around XX/XX/2020 and the amount paid for the loan ; 2. Since the transaction occurred after I had filed bankruptcy, I requested confirmation that UNI provided notice of the bankruptcy ; 3. Confirmation that they have received a copy of the bankruptcy discharge order ; 4. Confirmation that the debt has not been further transferred/sold ; 5. Confirmation that VIL is aware the debt is no longer a valid and collectible debt ; and 6. Confirmation that they are aware of the discharge injunction and that they will not take any action to collect the discharged debt. 

Despite several letters seeking this information, they have refused to respond.
Consumer complaint received 2022-11-25
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. (CA)

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

XXXX XXXX XXXX XXXX ACCOUNT # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-01-03
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I could not log into my Citizens online backing on XX/XX/2020 and after many calls to the customer service during the following days, I was finally told by a manager that my account was being scheduled to be closed and my debit card was cancelled. I was offered no explanation and no help. They assigned a local branch for further inquiry. But the local branch manager simply told me he could not do anything. I was able to get help from another branch in a XXXX XXXX XXXX that I frequent. The manager called the back office and told me the account closure was because of account activity. 

I opened my account following an Internet blogs recommendation of Citizens banks {$400.00} signup bonus on XX/XX/2020 which is the last day of the promotion. I just followed what people recommended in the discussion and did one {$600.00} direct deposit and 50 small XXXX purchases, and another {$10.00} XXXX deposit. The {$400.00} signup bonus requires one direct deposit for a {$300.00} bonus and 50 debit transactions for another {$100.00} bonus in 60 days. Apparently it is a difficult task to finish 50 debit transactions in 60 days ( minus a week or more to receive the debit card ) even before the pandemic and most people chose small XXXX purchases to meet the requirement of the 50 debit transactions. Other than that, my account is absolutely clean. Yet most peoples accounts were fine and there was no indication of massive account shutdowns for people who did the large number of small XXXX purchases. But my account was shutdown. 

When I raised this question to the branch manager, he could not explain it and suggest that the bank may choose a small sample of accounts to shut down. Then whats the standard to choose an account among all the accounts that had the similar activities to shut down? I have absolutely clean credit history and clean relationship with Citizens bank. They even sent me post card last fall to invite me to open new accounts with signup bonus. If Citizens bank can announce and prove that they equally shut down all the accounts that involved in large number of small XXXX purchases and explain the reason, that could be called a standard. Otherwise, it is a clear discrimination to choose my account to shut down. 

My account has no overdraft protection for the bank to worry about. There was no fraud alert, no declined transactions and no whats so ever during the days I made the small XXXX purchases until two weeks later my account was suddenly locked. There were some people out of Citizens banks servicing states that got applications declined or accounts closed. I hope they made a mistake. Citizens bank does have presence in NJ. They even have an ATM in the XXXX XXXX XXXX a few minutes away from my home until it was taken off not long ago. And my zip code was allowed to open the account online.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (GA)

I opened an account with a mobile bank Current. I mobile deposited the check on XX/XX/XXXX. I contacted them the same day and ask to cancel the deposit since it was going to take so long. I received message back stating it would be canceled and not deposited on that was on XX/XX/2023. I took check to XXXX check cashing on the same day I received cancellation message. They seen the message from back and he allowed me to cash check. About 4 days later I received a letter from current back of a change of address verification. I tried going onto my online account but was not about to get in. There is no number to call only contact through message on app I finally got the email address and emailed I received a message back stated my about was frozen due to expected fraud. A few days later I received a call from XXXX check cashing saying the check came back already been cashed. They have been working with me to help me get this resolved but no luck. The bank had me send in documents proving my identity said funds would be available on XX/XX/2023 but I never heard anything else. I finally got into my online about and it shows that money was deposited and then transferred out. But I had already contacted them not to deposit check they agreed but done it anyway. I reported my card phone wallet lost a few days before my about account was locked and letter saying I changed my address which I did not. I have been at same address for 9 years. I am now having to come up with XXXX dollars that I do not have to pay for check at XXXX or face going to XXXX  for a mistake on banks part. I am a XXXX and in school to get my XXXX XXXX XXXX I can not afford to go to XXXX for something that was not intentional or my fault. Please help
Consumer complaint received 2022-12-09
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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. 
Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX
Consumer complaint received 2023-08-01
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. (NJ)

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.

The letters are stated with items and issues.

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 2023-06-20
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. (GA)

In accordance with the Fair Credit Reporting act Account XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have a right of privacy. 15 U.S.C Section 604 Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-04
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. (CA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose