davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Enterprise Systems, Inc. (TX)

National Enterprise Systems XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX contacted my wifes employer ( School ) to speak to her about a personal matter was extremely rude to the secretary. 

XX/XX/XXXX contacted my wife during business hours on her cell phone to talk to me. She was extremely rude to me even after I told her that I spoke to a representative the week prior.
Consumer complaint received 2023-06-27
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. (NJ)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : 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 an 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 item 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 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm disputed and requesting the proper investigation of Inaccurate non validated information being report by the XXXX bureaus. TransUnion they are currently reporting XXXX total accounts XXXX open, XXXX closed, and XXXX delinquent which is not validated and also being disputed with those companies as well. Transunion has XXXX as open and those accounts currently have a balanced paid in full. They have self/lead closed with XXXX balance. TransUnion is also reporting XXXX unauthorized and inaccurate inquiries from various companies without my permission and are defaming my character as a consumer. XXXX currently has my current address incorrect, reporting XXXX accounts XXXX open accounts XXXX closed, XXXX delinquents XXXX inquiries. XXXX is currently showing XXXX accounts totaling XXXX open accounts, XXXX closed, XXXX delinquent and XXXX inquiries. In light of the investigations that have been bought upon XXXX and Transunion I find that my consumer report is being irresponsibly tampered with with all XXXX. I asked that respectfully all inaccurate information be removed and or properly investigated/validated as per federal law I'm owed accurate and fair reporting.
Consumer complaint received 2022-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (NJ)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent a written notice of dispute requesting debt validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA via XXXX XXXX Mail to XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. which has not been fulfilled. On XX/XX/XXXX and XX/XX/XXXX I sent a Cease and Desist Notice to cease any/all collection actions until the alleged debt was properly validated to XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX which has been ignored. On XX/XX/XXXX and XX/XX/XXXX I sent another Cease and Desist notice and written notice informing XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. that I'm a victim of identity theft and the fraudulent account does not belong to me which has been ignored. As of XX/XX/XXXX I have NOT been provided competent evidence of my legal obligation to pay XXXX XXXX XXXX XXXX XXXX XXXX. I requested the company to provide me with the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. What the money you say the alleged debtor owes is for. Explain and show how you calculated the alleged debt. Provide me any documents that show proof I agreed to pay the alleged amount owed. Please provide the name and address of the bonding agent for XXXX XXXX XXXX XXXX XXXX XXXX. in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. Please Note : A copy of the consumer credit contract and/or bill is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.1 ( 1986 ). and Solon v. Godbole, 163 Ill. App. 3d 845, 114 Ill. Dec. 890, 516 N. E.2d 1045 ( 3Dist. 1987 ). Additionally, on XX/XX/XXXX GENESIS FS CARD SERVICES sent a notice informing me that the fraudulent account resulting from Identity Theft has been blocked and removed and would no longer be subject to collection actions. Furthermore, pursuant to 12 CFR Part 1022 Subpart M 1022.120 1022.129, XXXX XXXX XXXX XXXX XXXX XXXX. is in violation by not responding to my notice of Identity Theft within 30 days.
Consumer complaint received 2022-09-29
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. (AL)

1. I contacted TransUnion LLC on several occasions to have the fraudulent inquiry removed from my credit profile. TransUnion LLC refuses to remove the fraudulent information. I provided them with a letter stating that the XXXX XXXX inquiry made to XXXX XXXX XXXX XXXX XXXX was deemed fraudulent. TransUnion responded by sending me an Explanation Of Inquiry letter. 
XXXX. XXXX XXXX XXXX XXXX XXXX failed to request removal of fraudulent information.
Consumer complaint received 2022-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Airtm Inc. ()

I opened account in Airtm and make all the verification steps then they send me a an email confirming that the account is verified and ready to use, then just after some days after I received money on my account I tried to send it but the system reject to send it providing me that my verification is failed I try to contact the support team but with only a typical replys and when I search to see some problems like what happened with me I found so many people saying they have scammed by the same way from this company I opened the account when I found they are located in USA and authorised as they wrote it there website I have XXXX usd in my account
Consumer complaint received 2023-02-22
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. (FL)

In accordahce with the Fair Credit Reporting act XXXX XXXXXXXX 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 In accordahce with the Fair Credit Reporting act 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 In accordahce with the Fair Credit Reporting act 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 In accordahce with the Fair Credit Reporting act 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 In accordahce with the Fair Credit Reporting act 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 In accordahce with the Fair Credit Reporting act 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 In accordahce with the Fair Credit Reporting act 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 In accordahce with the Fair Credit Reporting act 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 In accordahce with the Fair Credit Reporting act XXXX 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 2024-04-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a Checking Account with Bank of America that the bank told me they were going to close. No reason was given for this account closure. I had been using this account without issue for close to 8 years, primarily for automatic bill payments and direct deposits. I was told my account would become restricted on XX/XX/XXXX. 

My billpay for a credit card, also with Bank of America, was charged to this checking account twice, ( first charge on XX/XX/XXXX for amount of {$310.00}, and second charge on XX/XX/XXXX for amount of {$310.00} ) with the second charge being a duplicate error charge. Both charges were for the same amount. This resulted in my account balance going negative, and resulted in that charge and subsequent charges to be issued overdraft fees. XXXX {$10.00} overdraft charges were charged on XX/XX/XXXX. 

I also am certain I had opted into overdraft protection on this account. However, due to interface changes in the app, I can not find evidence of this. 

When attempting to call Bank of America to resolve this issue, my account was already restricted, and they refused to offer more information on the timeline of events, and how it was possible for XXXX autopay charges to occur and result in overdrafting. 

Bank of america representative told me i would have to petition to temporarily unfreeze my account to gain this information. They refused to notify me if my petition was successful or not. I was instructed to call and ask about the outcome in XXXX business days. If the petition was unsuccessful, I was told I would have to petition again. I think this is a predatory practice to refuse to investigate a bank error without making the consumer jump through many hoops. 

Overall, the overdrafts were caused by a duplicate XXXX XXXX charge. Bank of America has since restricted my account and refuses to provide clarity on how this occured. I am not sure how to remedy this situation.
Consumer complaint received 2022-09-29
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. (PA)

On XX/XX/2017 i made a uniformed decision on XX/XX/2017 when I entered the mentioned consumer transaction. At the time I was not aware of the money or costs it will cost me personal, financially, physically, and mentally, to do business or extend my credit to this company. I didnt understand the meanings statedand it was not clear and conspicuous to me at the time. i have been attemping to urchase an assset but but because of this i am not able. I beleive because there is no evidence of a debt only these papers of some type of copied papers of statements the comapny continue to show and this allegd agreement. 
The agreement should be voided because I made a uniformed decision and didnt understand none of it. I could have made a better choice if I knew the details in full. 

Also i don't have any business dealings with company named XXXX, the attatched is not evidence of indebtedness. please delete from my report
Consumer complaint received 2023-06-27
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. (NC)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-08
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. (NY)

Recently came across an incorrect debt collection report on my credit report. I have notified both alleged collection agencies about this. When I asked for proof of said claim, they did not respond. One company closed the account and stopped reporting but it still appearing on my credit report. I further did investigation on both so called agencies which are scams and have been reported numerous of times to the XXXX ( XXXX XXXX XXXX ) for claims they have had against other individuals as myself. I have also Contacted all 3 credit bureaus on this as well with nothing but a verified status but with no actual proof that this claim belongs to me which it doesn't.
Consumer complaint received 2022-12-17
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. (VA)

I XXXX XXXX AM DISPUTING ON MY OWN, PLEASE SEE ATTACHED FTC REPORT AND DISPUTE LETTER It has also come to my attention you have willfully negligent, non-compliant, reporting inaccurate unverifiable information, damaging my reputation and credit worthiness.
Consumer complaint received 2022-12-17
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # 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
Consumer complaint received 2022-09-29
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. (CA)

It has been drawn out into the open that you are not hindering records when I senta copy of FTC report. Since it is a necessity by regulation 605b of the FCRAI 'm sending this Complaint to assist with laying out a lawful response. In theevent that you decide to not obstruct the accompanying things recorded beneathwhich are answering erroneously because of fraud, I will hand my archives overto my lawyer to begin a legitimate activity. It's my goal to not seek after anylegitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2019-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IL)

US Bank offered then refused to cancel my PMI after my appraisal brought a lower LVI estimate. I've been paying my mortgage every month on time or early. How can a federal law allow a bank to choose it's own appraiser?? Doesn't this give them the advantage if they get a low-ball appraiser? If I had put 20 % down in the first place I would not pay PMI and would't have to add it if my " home value '' lowered. I should be allowed to either lower my PMI rate or cancel it entirely given that the rule only favor the bank
Consumer complaint received 2023-06-27
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. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I have been trying to contact "Experian" through several phone calls and every number I come up with to try are all automated recordings. There is no option to speak with a live person. I am not able to login to my online account with them even after changing my password in order to do so. It keeps giving me a message to call a certain number and it is all automated. This is very frustrating for me and I don't know what else to do to get this issue resolved. Thank youXXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (TX)

On XX/XX/XXXX my wife and I attempted to make a small purchase at XXXX when our card was declined due to insufficient funds. We immediately went home to call the bank where we learned that there had been fraudulent activity in the first couple of weeks in XX/XX/XXXX. We then file a claim with the bank for the XX/XX/XXXX fraudulent charges. Upon further conversion with the bank technician, recognizing that there were at least 4 fraudulent charges in XXXX, she asked if this concluded our claim. I advised no, because we did not have online access we would need her to send us a means to reset our access so that we could go online and then determine if any other fraudulent charges had occurred. At that point we reset the password went online and discovered numerous more fraudulent charges dating back to XX/XX/XXXX. The culprit continued to use the card off and on for 3 months. During that time we chalked up our low account balance to holiday spending and travel, even taking out a loan of {$1000.00} due to our low funds and not knowing that all the while someone had compromised our card. 

The vast majority of the purchases occurred at stores that we do not do business with, that are not in our city of residence and most being gas stations that we never do business with. In one day my card was used at 5 different gas stations and yet NetSpend never saw that as being out of the ordinary. We reported the remaining fraudulent purchases to NetSpend having identified claims totaling {$1700.00} within 5 cities including and around XXXX. 

Weve filed a police report and provided it to NetSpend and the police report even includes a picture of the culprit. Who is not someone we know. 

A month later they have denied our claim stating that we used the card after reporting it stolen. That is not true as if we reported the card stolen prior to knowing in XXXX, NetSpend would have closed the card. Again, we did not learn of the fraudulent card use until XX/XX/XXXX, but that unauthorized use began in XX/XX/XXXX. 

What they are basically telling us is that you think we willing committed bank fraud over {$1700.00}. Do you really think my wife, who has an XXXX  XXXX  XXXX, and myself would risk jail time over {$1700.00} We are sickened by this process and the lack of communication from NetSpend. We have filed multiple complaints with the XXXX XXXX XXXX and Texas Attorney General Office regarding this issue and the treatment we have receive from NetSpend. 

We've included a spreadsheet with charges, dates and totals for the fraudulent use of our card.