davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CT)

This is an update to CFPB Complaint No. XXXX. This update includes an amended billing address. 

Hi, I recently opened a bank account with XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX  ). During the account opening process I was told that deposited checks would be credited within five days. Last week I made a check deposit and after five days I made a payment of {$200.00} via ACH to Discover in order to open a secured Credit Card. Today, I found out that XXXX XXXX  XXXX XXXX did not credit my check deposit within the time period I was told. As a result, I was charged a {$35.00} dollar transaction fee and my {$200.00} XXXX  to Discover was executed and then reversed. Moreover, a review of XXXX XXXX  XXXX XXXX XXXX transaction handling history appears to show that this bank is ordering debits to be withdrawn in the beginning of the day and credits to be granted at the end of the day. This transaction ordering puts me at a significant disadvantage and cost me : {$35.00} dollars and the likely denial of my Discover Secured Card application.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

A fraudulent debit card account was opened in my name with Capitol One. They determined it was fraudulent and opened with my social security number. They have closed the debit account. However I currently have an active fraud alert with all three credit unions and this should have been flagged. 

I do have a credit account with them that is still active.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

Fraud inquiries : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-02
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. (TX)

In accordance with the Fair Credit Reporting Act, XX/XX/XXXXXXXX XX/XX/XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-02
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, 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 2022-02-04
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: Experian Information Solutions Inc. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-09-04
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. (MN)

I am a victim of identity theft. I have filed numerous police reports with the XXXX Police Department in regards to the fraudulent accounts and hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. I have sent copies of the police reports to XXXX XXXX, Equifax and XXXX. The following accounts and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$1000.00}, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, {$260.00}, XXXX/XXXX/XXXX, XXXX, {$130.00}, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/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/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 2022-06-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (CO)

have commercial bldg leased to county their fore property tax free. Key Bank escrows {$4600.00} per month with mortgage payment. They charge {$250.00} to audit before refunding any escrow. they refunded part of held money but then charged another {$250.00} to audit again for remainder which they still hold and they still require {$4600.00} a month escrow for non existing taxes.
Consumer complaint received 2022-06-02
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 XXXX XXXXXXXX Account # XXXX, XXXX Accounts # 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 account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-02
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. (NY)

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 # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX  # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX  # XXXX has violated my rights. 
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 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 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Fraud inquiries : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CA)

Hi, I recently opened a bank account with XXXX XXXX  XXXX XXXX  ( XXXX XXXX XXXX  ). During the account opening process I was told that deposited checks would be credited within five days. Last week I made a check deposit and after five days I made a payment of {$200.00} via ACH to Discover in order to open a secured Credit Card. 

Today, I found out that XXXX XXXX  XXXX XXXX  did not credit my check deposit within the time period I was told. As a result, I was charged a {$35.00} dollar transaction fee and my {$200.00} ACH to Discover was executed and then reversed. 

Moreover, a review of XXXX XXXX XXXX XXXX XXXX transaction handling history appears to show that this bank is ordering debits to be withdrawn in the beginning of the day and credits to be granted at the end of the day. 

This transaction ordering puts me at a significant disadvantage and cost me : {$35.00} dollars and the likely denial of my Discover Secured Card application.
Consumer complaint received 2022-06-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Nothing under the Fair Credit Reporting Act require a furnisher to furnish negative information to any consumer reporting agencies. The term negative information means information concerning a consumer delinquencies late payments insolvency or and form of default. The term non-public personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. Congress stated results from any transaction with the consumer so sharing non-public personal information to the consumer reporting agencies such as late payments you are in violation .Furnishing negative information is a violation of the consumer credit protection act. You are only furnishing this negative information because your company policies allow you to use unlawful extortionate means to coerce a consumer to make payments on extension of credit. No negative information should be furnished to a consumer credit report without their lawful authority. You are committing unlawful extortionate means such as furnishing nonpublic personal information i.e late payments charge off etc Capital One you can get 20 years for violating 18 u.s.c. 894. Capital One remove all late payments immediately
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Halsted Financial Services, LLC. (NJ)

I received a phone call from Halstead Financial claiming to be XXXX XXXX and XXXX regarding a civil complaint on behalf of my sister. The voicemail said that the message was solely intended for XXXX XXXX, who I am not. The voicemail included the last four digits of her social security number.

I called the phone number they left and was berated by the agent for asking questions about why they would have left personal information regarding someone to a third party.
Consumer complaint received 2022-12-28
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. (SC)

I am a natural person, I am a living human being, I have rights under 15 usc 1681. Equifax is govern by 15 usc 1681. And they violated my rights numerous of times. I deman the accounts listed below be removed because according to 15 usc 1681 : I have the rights to privacy and I did not give equifax written permission to furnish these accounts. 

Accounts. 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 XXXX XXXX
Consumer complaint received 2022-06-02
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: Experian Information Solutions Inc. (AR)

Informed the credit agencies that I did not sign a contract or open an account with these companies. I assured them that I have not benefited in any type of way from the accounts. I sent all three certified mail letters stating the XXXX, fraud, a police report stating such incident, and an affidavit reporting all this. When I originally reported these accounts as fraudulent the credit agencies said that had to file a police report before they would remove these accounts. So I followed their rules and did but was told they would only remove the information if the creditors decided to do so. I informed them that I am stuck in a never ending cycle because I am telling you this information is inaccurate but you will believe the creditor over the consumer. XXXX conversation of XX/XX/2022 is file number [ XXXX ] which should have been recorded. I was told it was nothing they could do unless the creditor decided to remove it. I feel like my rights are being violated under U.S.C. 15 1681 ( c ) XXXX and 1681 ( e ) and I am trying to resolve this manner in the policy they asked of me but still no resolution.
Consumer complaint received 2022-06-02
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. (CA)

I contacted the following creditors regarding my accounts showing late payments and asked kindly for them to be removed but they will not remove them. I was never late on these accounts and demand for the profiles to be deleted from my credit report. 

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 ACCT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$11000.00} {$8600.00} {$6300.00} {$5000.00} XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER XXXX {$11000.00} {$8600.00} {$9900.00} {$5000.00} {$5100.00} {$3100.00} {$3300.00} 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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. 1681XXXX ( A ) ( XXXX ) 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 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I contacted the following creditors regarding my accounts showing late payments and asked kindly for them to be removed but they will not remove them. I was never late on these accounts and demand for the profiles to be deleted from my credit report. 

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 ACCT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$11000.00} {$8600.00} {$6300.00} {$5000.00XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX {$11000.00} {$8600.00} {$9900.00} {$5000.00} {$5100.00} {$3100.00} {$3300.00} 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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. 1681XXXX ( A ) ( XXXX ) 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 2022-06-02
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-02
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. (LA)

In accordance with the Fair Credit Reporting Act, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX ), Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), Account # XXXX ( XXXX XXXX XXXXXXXX ), Account # XXXX ( XXXX, XXXX ) 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 604A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-06-02
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. (GA)

Hi, I've disputed the validity of XXXX loan ( might be under another name now ) on my credit report and all other credit reporting agencies removed this from my report ( upon investigating validity of information ), with the exception of Equifax. This information should be removed to align with factual investigation from the other credit reporting companies XXXX XXXX and XXXX.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

A man from Bank of America called me reporting fraud on my savings account. He pulled up all my info and told me I need to transfer my money through XXXX to take it all out so he can close my account. He knew my account information and everything and told me hed call me back with a new account after he claimed to have froze the money. I called my bank and they said it was a scam and told me they might be able to get it back after 10-45 days.
Consumer complaint received 2022-06-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Sky Group USA, LLC (TN)

I wanted to make pay off arrangements in XX/XX/2022, could not login to account. 

Emailed to get assistance, no reply. 

Whenever I call contact # XXXX - Line is ALWAYS busy Links to email from site do not work, and there is no response to email : XXXX I even sent a request to stop Auto Drafts from my account, but have not heard from company. 

I did get a notification that my payment was due this week. I am unable to speak or communicate with the company, and feel I am being scammed out of Bi-weekly XXXX payments. This payment does not pay down the loan at all and is a cycle of payments that will never pay off the loan, and can not make arrangements due to company being non responsive.
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

Credence Resource Management is calling me looking for someone I don't even know. I would like them to stop. I have told them it's the wrong number but they called again XX/XX/22 at XXXX XXXX  CDT from XXXX.