davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, Account name : 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 2022-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (FL)

On XX/XX/18, {$2500.00} was fraudulently transferred from my son 's XXXX Bank Account to my wife 's XXXX Bank account - and the then XXXX amounts totaling {$1000.00} were fraudulently transferred by Zelle to XXXX XXXX ( XXXX ) XXXX with payment ID XXXX and XXXX. I immediately contacted XXXX bank that day to dispute the charges. I was told that I could not dispute them until they posted to the account - and to call back once they posted. They came out of pending status and I contacted XXXX Bank again and filed the dispute. The claim number is XXXX. The representative was helpful and told me that the dispute would take XXXX business days and the money would be provisionally put back in my account as a " courtesy ''. As of today, XXXX, I had not received the credit- so I contact XXXX Bank to get the status. This time I was told the investigation takes XXXX business days, no provisional credit can be given in cases with Zelle, and I was told that they need the 10 days to " try to get the money back from Zelle ''. Now I am concerned that XXXX bank will simply drop the ball as they are completely useless and offer no competent customer service.
Consumer complaint received 2022-12-30
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: Bread Financial Holdings, Inc. (OH)

On XX/XX/XXXX an account was opened by XXXX XXXX for work estimates on capping a tooth. On XX/XX/XXXX XXXX XXXX charged Comenity CapitalXXXX XXXX XXXX XXXX account fraudulently prior to any work being done or checking what was covered with my insurance. I never received information from Comenity Capital and do not know account number. I sent a letter XX/XX/XXXX explaining the account was fraudulently charged. I also included that if there was further contact they could use my home address or email. They continued to call 6/7 days a week. The response was if I disagree with insurance coverage I need to contact my provider to discuss errors. 
On XXXX XXXX, XXXX I received a call from XXXX at Comenity Bank, ext XXXX, transcript-Good afternoon this message is for XXXX XXXX my name is XXXX I'm calling on XXXX I'm calling from XXXX XXXX XXXX to get the name and number of the attorney representing you for XXXX XXXX  XXXX please return my call today at XXXX extension XXXX please have your attorneys information available at the time of your call if you do not have an attorney and I have many options available for your assistance that you would need to return my call today before I leave my office at XXXX central once again XXXX the number is XXXX extension XXXX thank you and I hope to hear back from you soon have a great day. I was at work and did not receive the voicemail until after XXXX XXXX. 
On XX/XX/XXXX I paid the {$560.00} that was charged to the account without my permission. I dont feel I should be required to contact an attorney or pay any additional money that the company has continued to add. I would like to threatening voice mails to cease also.
Consumer complaint received 2023-06-09
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)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CO)

LVNV FUNDING LLC Last reported XX/XX/2022 {$290.00} Open balance XXXX XXXX XXXX  XXXX XXXX XXXX Original creditor This isn't mine. And now a third party has obtained my information some how and is trying to collect.
Consumer complaint received 2020-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRINITY HOPE ASSOCIATES (GA)

My daughter received a phone call from Trinity Hope Associates of XXXX North Carolina asking for me. I called the number that was given and was told that I owed {$54.00} for service at an XXXX XXXX XXXX in XXXX, Georgia. I have never visited and XXXX XXXX XXXX. However, my daughter has. While my daughter has been covered by my insurance she was of legal age when the debt was incurred was not my debt. I requested a copy of the debt from the company mailed to my address. This was done. This was the first written correspondence I received. This was mailed on XXXX. I was not advised of procedures to dispute the debt in this letter nor was I advised of the date of service for the debt. I was informed this was reported to my credit report even though the XXXX letter was the first notice I had of the debt. He claimed a notice was mailed on XXXX when in fact he was only given my address on XXXXA gentleman named XXXX told me numerous falsehoods during our conversation. In sum, I was charged for a debt I did not owe. I paid the debt to end the harassment and the fraud and deception.
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received as payment in a legal settlement a personal check from a bank of america account holder. In an attempt to cash the check immeadiately i drove XXXX miles from my home to the nearest bank of america in XXXX texas who then refused to cash this check because it was over XXXX dollars and i was not an account holder. I then spoke to the bank manager i explained to him i had numerous things waiting on the money from this check, and that it didnt seem reasonable to me to be expected to open a bank account at a bank that doesnt have a branch in the town i live in. He restated the tellers statement but offered to convert the personal check to a cashiers check for me and then charged me XXXX dollars for the cashiers check. After receiving the cashiers check i asked if this check was good at any bank of america and the teller said yes it was. i then asked her to cash if for me and she once again stated that it was against bank policy to cash a check over XXXX dollars for a non account holder. I feel that bofa ' s refusal to cash their cashiers check violates banking laws. I suffered a business loss, an untallied amount of money due to check cashing fees and prepaid debit card use fees, not to mention my valuable time.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Who certified the information to be true and factual? 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2023-02-19
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc. (MA)

I got a approved for a credit card through Prosper Marketplace - I ran it up, and do admit to owing what I had charged. Somehow I missed a payment and the charges added were what they were ( honestly don't remember )- I received several phone calls from them requesting payment - when I finally answered them it was the day before the next payment was due - the woman told me what I needed to pay in order for me to be brought current ( it was around {$170.00} ) - for which I immediately made payment online. I was under the impression this would bring me current to include the payment that was due ( the next day )- well, I learned a month later after missing another payment that there was another hefty payment due - my issue is, they won't work with you. They are hard to understand on the phone many times- they call and call and call you, alot of times on piggy back phone numbers ( spam - other caller id 's ) and I got frustrated with them and stopped answering as what they were doing to me is very close to the definition of harrassment - THEY JUST KEPT ADDING FEES - At this point I refuse to deal with them unless there is another party involved- I believe CFPB is their regulator thus why I am reporting - believe me, they already reported this on my credit which of course have sent ripples to my credit scores.
Consumer complaint received 2023-05-25
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: Experian Information Solutions 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 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Synchrony PayPal MasterCard. They collect the money and put the balance on hold for 15 days, I was never informed of such a policy and I have bills on this card that are now blocked. 

The worst part is that they say this is the first time I make a large payment which is not true. The customer service team says that Synchrony is able to hold funds but they are not able to unblock it. 

When I asked for a reference number from the conversation with their customer support, they shared that Synchrony does not support that and asked me to send a " mail '' to their po box with tracking as proof.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (VT)

My mother XXXX XXXX passed away on XX/XX/2022 and I tried to report that the account needed to be closed and I got the rudest lady XXXX on the other end!! I did not appreciate how I was treated especially after just loosing my mother!! I would like to see something done about how the employees of the M and T bank on XXXX XXXX in XXXX Vermont treat their customers and the families of deceased customers!! Please feel free to call me anytime for further questions at XXXX thank you for your time hope to be hearing from someone soon
Consumer complaint received 2019-02-05
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. (OH)

On XX/XX/XXXX I previously filed a complaint with the XXXX  ( see attached ). On XX/XX/XXXX, I received a response from each of the Credit Reporting bureaus indicating that they had verified the Public Record, however they did not verify the record with the source of the Public Record. Rather, they indicated that they verified the record using a, unrelated 3rd party, such as XXXX. 

I find this impossible, as I have previously provided them a letter from XXXX indicating that this Public Record had been removed from their file more than a year ago. 

On XX/XX/XXXX I sent the a Certified Letter ( See Attached ) to each reporting agency providing complete detail that I do not believe their method for verification complies with FCRA 611 ( a ) ( 6 ) ( B ( iii ).  Included in this letter is a duplicate copy of the letter from XXXX confirming that no such record exists in their files. 

I further requested that they actually verify the Public Record with the USBK COURT XXXX XXXX  as that who they claim to be reporting the record. As provided in FCRA 611 ( a ) ( 6 ) ( B ( iii ), I asked them to provide : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

If they are unable to verify this record DIRECTLY with the Creditor they claim as the reporting party, I demand that they immediately removed this record from my file. If they again claim to have verified the public record, I insist that it not be with any unrelated 3rd parties and that they provide the details of the verification as described above
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Hello I have contacted the company XXXX XXXXXXXX and also credit inquires for over a year and was told by the supervisor and that the account will be removed and I was not in their system after verifying my social, and that they would contact the credit bureaus to remove this as soon as possible. Please remove this off my credit report as soon as possible and update. I have police reports and ftc
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( RESURGENT/LVNV FUNDING ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( RESURGENT/LVNV FUNDING ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( RESURGENT/LVNV FUNDING ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( RESURGENT/LVNV FUNDING ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2022-11-02
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: GOLDMAN SACHS BANK USA (NY)

In accordance with the consumer with the fair credit reporting act, this creditor has violated my rights Under 15 U.S.C 1681 section 602 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 under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (FL)

This account was paid off/settled in XXXX of XXXX They are incorrectly reporting it as a charged off account purchased by another lender Account name XXXXXXXX XXXX  Account number XXXX XXXX. 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Closed. {$440.00} written off. 
XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX Sold to XXXX XXXX XXXX Type Credit card Terms NA Credit limit or original amount {$300.00} High balance $ XXXX  Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Purchased by another lender. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Account history XXXX *THIS WAS NOT PURCHASED BY ANOTHER LENDER AND THIS WAS NOT WRITTEN OFF. THIS DEBT IS PAID/SETTLED!