davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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. (MS)

Under consumer law 15 usc 1681c 2 which states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Your company has not removed the inquiry before the allowed time, which is a violation.
Consumer complaint received 2023-02-16
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. (MD)

XXXX reported me as late for 120 days while they were in the process of completing a loan modification. I have tried to dispute this with all the credit reporting agencies and it continues to remain. I feel that the investigation was not thorough.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (FL)

The agent I spoke to in XX/XX/XXXX was XXXX XXXX on your service request number XXXX who told me in XX/XX/XXXX that if I made XXXX final payment, he would credit the other charges on my account because I had not set up or authorized US Bank to artificially keep accounts open that I have tried to close for XXXX years. XXXX told me if I made XXXX more payment of {$100.00}, which was posted on XX/XX/XXXX, he would credit all your other transactions that I did not make, set up, or authorize on all accounts I tried to close entirely in XX/XX/XXXX. Instead, on your side, without my authorization, you continued to make credits and debits on accounts I closed in XX/XX/XXXX. And US Bank failed to send me any of these transactions because you again failed to update the new XXXX address I gave you every time I spoke to your agents. 

US Bank closed checking account XXXX but did not credit it to the cash flow manager account number XXXX, which is accruing daily interest. 

I do not owe US Bank {$200.00}. US Bank needs to get those internal funds from the Silver Business Checking account XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-29
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. (CA)

I asked them to provide proof that they verified the account by providing me with a copy of the original contract with XXXX XXXX XXXX and that the information is not XXXX percent accurate. They only responded by saying that it was accurate, but the information did not match. They did not do a proper investigation and only used stall tactics. 

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

15 U.S.C. 1681 Section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without y written instruction.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (OH)

There were some international unauthorized transactions to some illegal only gambling site out of XXXX or XXXX. I filed a dispute on XXXX with US Bank Relia Card . 

I was told provisional credits card be added once theyve received my dispute form. 

Ive sent it several times, however it finally showed in their system today. 

I was initially happy thinking finally those credits could be added but thats not the case. 

Today I was told that provisional credits could take up to 45 days. 

Thats not what I was initially told. In fact the EFT Act indicates that they need to be applied after 10 days if the institution is still investigating.
Consumer complaint received 2023-02-16
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. (AZ)

I've found multiple fraudulent accounts on my credit report and have tried to correct with the credit reporting agencies. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Billey Act, and RICO. The following accounts and hard inquiries are fraudulent and I demand their removal from my personal credit report.

Disputed - Hard Inquiries XXXX XXXX XXXX ( Bank ) XXXXXXXX XXXX ( Bank ) XXXX XXXX ( Bank ) Disputed - Accounts XXXXXXXX XXXX  - {$40000.00} XXXX XXXXXXXX XXXX XXXX - {$990.00} XXXX XXXX  - {$650.00} XXXXXXXX XXXX XXXX {$260.00} Disputed - Account Numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your help in protecting my federally protected consumer rights.
Consumer complaint received 2023-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC (TX)

There were some fraudulent charges on my XXXX credit card which XXXX starting to managed around the date of the fraudulent charges. Before the credit card was managed by XXXXXXXX XXXX 

I have called the bank almost 10 times. I have also asked for a manager to give me a call back. Once they called but to my old phone. Therefore I couldn't answer. And I have sent a letter with the reasons below. But they don't want delete these charges.

I need to get a loan. Therefore I have payed the fraudulent charges just so I can get a better interest rate for the loan.

And here are the reasons why I think the charges were fraudulent. 

-During one of the calls with XXXX it was mentioned that someone asked for a copy of the card that I didn't request this before the date of the fraudulent charges.

-I have moved to a different place on XX/XX/2022. Therefore I think the credit card copy was sent to my previous address. 
XXXX has my current address but they don't have the date when this change was done on their system -I reached XXXX to find out if they know when my address was changed but they informed they don't have any account information and that it was provided to XXXX. 
-The fraudulent charges were made on the stores XXXX XXXX and XXXX XXXX XXXX. And if you check the account activity I have never used that credit card to buy in those stores. 
-The fraudulent charges were made in 2 consecutive days trying to reach the total credit line.

-The fraudulent charges were made just when the credit card started to be managed by XXXX . This is very weird. 
-I haven't used the gap credit card in months as it can be seen on one of the attachments.

-I have used the gap credit card to buy only from the gap store and for amounts less than {$200.00}. Not for over {$2000.00} like the fraudulent charges reported.

And the fraudulent charges are XX/XX/2022 {$670.00} XX/XX/2022 {$250.00} XX/XX/2022 {$250.00} XX/XX/2022 {$48.00} XX/XX/2022 {$300.00} XX/XX/2022 {$410.00} XX/XX/2022 {$87.00} XX/XX/2022 {$800.00} TOTAL {$2800.00}
Consumer complaint received 2023-02-16
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. (AZ)

I've found multiple fraudulent accounts on my credit report and have tried to correct with the credit reporting agencies. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Billey Act, and RICO. The following accounts and hard inquiries are fraudulent and I demand their removal from my personal credit report. 

Disputed - Hard Inquiries XXXX XXXX XXXX ( Bank ) XXXXXXXX XXXX  ( Bank ) XXXX XXXX ( Bank ) Disputed - Accounts XXXXXXXX XXXX  - {$40000.00} XXXX XXXX XXXX XXXX  - {$990.00} XXXXXXXX XXXX XXXX  {$650.00} XXXX XXXX XXXX {$260.00} Disputed - Account Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your help in protecting my federally protected consumer rights.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 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 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

After I submitted complaint # XXXX, Wells Fargo closed my account. Today they responded that they are working on my issue, but they closed my account without letting me know. Wells Fargo owes me money from incorrect charges, and instead of clearing this up, they closed my account
Consumer complaint received 2023-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

- Contacted PennyMac in XX/XX/XXXX to have our Homeowners insurance paid direct from us instead of from our escrow account - Contacted PennyMac multiple times ( XXXX through XX/XX/XXXX ) because PennyMac would not change responsible party for Homeowners insurance from mortgage company to borrowers behalf - Set-up a payment plan with XXXX  for direct billing to us for our Homeowners insurance in XX/XX/XXXX - Sent PennyMac a XXXX Insurance Contract showing Homeowners insurance coverage through XX/XX/XXXX - Received our first monthly bill from XXXX  for a XX/XX/XXXX payment - Contacted PennyMac on XX/XX/XXXX with a resend of notification to the escrow department to adjust our escrow because we were being direct billed for Homeowners insurance - Contacted PennyMac on XX/XX/XXXX with a resend to change responsible party from mortgage company to borrower for Homeowners insurance - Contacted PennyMac on XX/XX/XXXX that we would notify CFPB if changes were not made - On XX/XX/XXXX, PennyMac sent a full annual payment from our escrow account to XXXX without our permission and ignoring all items listed above - Contacted XXXX on XX/XX/XXXX and XXXX attempted to void the payment, but apologized because they could not. 
- Logged into our PennyMac account on XX/XX/XXXX to capture all message information and all message information on our account ( ALL history of communication between we the borrowers and PennyMac has been deleted ). We will include files we have saved in this complaint.
Consumer complaint received 2022-05-23
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account number : 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 2023-03-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (CA)

I applied for US Bank account on XXXX XXXX XXXXpplication ID is XXXX ) and was approved on XXXX The deposit of {$25.00} was posted on XXXX XXXX Confirmation number : XXXX ) Besides the approval email, I did not receive any other documents or debit card. Therefore, I do not know the checking account number. 
When I called to request service, I was asked for either account number or debit card number and I do not know both numbers, therefore, I was unable to use the account or close the account. 
Please help me close the account and refund the {$25.00} deposit. 
Thanks
Consumer complaint received 2024-03-13
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

XXXX XXXX via mobile phone and XXXX Complaint XXXX date XX/XX/2021 Police Officer XXXX XXXX Withdrawl  Date XX/XX/2021 {$710.00} Despite an arrest  and prosecution, Citibank XXXX Outright " refused to return my money. Fortunately, I now have a way to hold the bank accountable for replacing my hard earned income.
Consumer complaint received 2019-08-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ad Astra Recovery Services Inc (AL)

I filed for Chapter XXXX in XX/XX/2018 and the debt that was owed to XXXX XXXX was included in my case, XXXX # XXXX. XXXX XXXX did not send a representative to the Meeting of the Creditors and I was granted a XXXX in XX/XX/2018. Earlier today I received notification from XXXX XXXX that a collection was added to my credit report in the amount of {$560.00}.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a secured credit card with capital one with a {$200.00} balance to help build my credit. I put {$100.00} down to received the card. My FIRST payment wasnt due until XX/XX/XXXX I believe ( around that time ) but made my FULL payment via my bank account on XX/XX/XXXX. I wasnt sure about which of the 5 routing numbers to use for my area but picked the one closest to me and sent the payment. I checked my account all the following weekend but no withdrawl was made to my bank account for the amount due. I called Capital One Monday XX/XX/XXXX to see what was going on and they said it was returned ( routing number ) and said just find correct routing number and resubmit which i did IMMEDIATELY! Note that the Capital One rep NEVER said my account was closed or anything of that nature and that resubmitting my payment would fix the issue. Fast forward to Wednesday XX/XX/XXXX still no payment taken out of my bank account. I called and spoke with my bank and they said it shows to be taken out overnight on Thursday XX/XX/XXXX. I called the number on the back of my card to let them know what my bank said and my card sent me straight to the fraud department. I spoke with a rep who REFUSED to give me his employee ID number after I caught him laughing/giggling at me while having our conversation. I can only assume he was laughing at how aggitated I was because I am TRYING to build my credit and such a simple issue could have been easily resolved OTHER THAN SHUTTING DOWN MY CARD. I have plenty of money in my bank and was ATTMEPTING to pay my balance due EARLY and now because Capital One couldnt of contacted me to let me know about the routing number issue ( even though i clearly made calls to fix issue ) my account is closed and I have to now reapply and no other options. This is bad business! If my funds werent available thats one thing but because of a mistake entering my routing number???? and again the rep ( Employee number XXXX - XXXX XXXX ) was such a jerk on the phone and had such a condesending attitude I wil NEVER do business with Capital One ever again! I am FURIOUS as I feel I am being severly penalized for an issue that was in NO WAY anything other than trying to pay my dang CC bill! The way I was treated by XXXX was unprofessional and I will continue to file complaints with state/local/federal agencies to let them know about how Capital One likes to do business and not actually provide customer service in any way! I am trying very hard to establish and build credit and the first time I get a card this happens!?!? And their reply is " ohh well, you can reapply but we closed the account ''. I would like someone to take action against Capital One Employee ( Employee number XXXX - XXXX XXXX ) for how I was disgustingly treated when I CLEARLY was trying to make an EARLY PAYMENT IN FULL! I will never use their services ever again and will also discourage any friends/family from doing so in the future.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Late last night I began receiving emails stating that my application for a personal loan through several third party websites, including XXXX, XXXX, and XXXX had been denied. I have not applied for any loans recently. I was able to trace one of these emails back to the original creditor, XXXX XXXX XXXX. This bank seems to specialize in providing loans for trucking companies, which I certainly would not be applying for.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

The XXXX XXXX has forgiven my federal XXXX loans with XXXX in XXXX, effective XX/XX/2023. I received confirmation in a letter from XXXX, dated XX/XX/2023. As of XX/XX/2023, the total loan balance of {$110000.00} still shows as outstanding/ still being owed on all three ( 3 ) credit reports. I have filed credit report disputes with the three ( 3 ) credit bureaus : XXXX, Equifax and XXXX which are being investigated at present.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WV)

XXXX XXXX XXXXiXXXX XXXX XXXX XXXXXXXX said I have a charged off account with them but will not provide me with anything proving this is/was my account! I was a victim of identity theft and let them know this and yet they still managed to drop my credit score XXXX XXXX  over an account that is not mine! Ive been working so hard at getting My credit fixed after identity theft and still cant get them to prove to my that was/is my account, can you please help me please