davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-10
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (VA)

I'd like to make a complaint on XXXX XXXX of I.Q. International Data , Inc. 

This collector has been extremely rude, overly aggressive, and in violation of the FDCPA. 

After speaking with him and him being so belligerent and rude I asked not to be contacted by phone again. This was on XX/XX/2019. At that time I provided my mailing address and asked for all future correspondence to be sent via mail and NOT to call me again. XXXX then proceeded to make an outbound call to me on XX/XX/2019 again, despite me asking him not to call again. For the second time, he was so unbelievably rude and aggressive that I disconnected the line and called back asking for a supervisor after he repeatedly demanded that I provide him with attorney information. 

I spoke with XXXX XXXX of I.Q. International Data , Inc. who is one of the supervisors there. I informed him of how belligerent Mr. XXXX had been and he advised me at that time that all future calls I made to the company be addressed to him as he would be more than happy to assist me considering I'd had such a difficult experience dealing with his representative. 

Yesterday, I called I.Q. International Data , Inc. to pay my account off. I was directed to XXXX, despite asking for a supervisor or XXXX. He then proceeded with yet another belligerent interaction with me and refused to allow me to speak with XXXX or another supervisor despite my several attempts of asking. 

Something has to be done about this guy. Regardless of owing a debt to a company, it does not constitute an agent to repeatedly disrespect, antagonize, or belittle me.
Consumer complaint received 2022-11-12
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. (NC)

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 U.S.C. 1681. 

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 rights 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 following items of information, any other adverse item of information, other than records of convictions of crimes which antendates 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 2021-06-29
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: EQUIFAX, INC. (CA)

There are XXXX accounts on my credit report that do not belong to me I have not approved authorized or used these accounts I need this off my credit reportr ASAP!!!! 

XXXX/XXXX  XXXX  - Account # XXXX Amt {$2200.00} XXXX XXXX - Account # XXXX Amt {$830.00} XXXX XXXX XXXX XXXX - Account # XXXX Amt  {$3400.00} XXXX XXXX XXXX - Account # XXXX Amt {$1100.00} XXXX  XXXX XXXX XXXX - Account # XXXX Amt {$300.00} AFNI, XXXX - Account # XXXX Amt {$130.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (KS)

On 2 separate occasions I attempted to place a freeze on my report from Sage Stream. Once online and sent verification documents including a copy of my XXXX and current lease. The second attempt was by phone with an agent who verified my identity and then confirmed my report had been frozen. All of this occurred in XXXX and XXXX of this year but as of XX/XX/2021 XXXX XXXX is still providing information to potential lenders.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo authorized almost XXXX XXXX dollars deducted from my business account At XXXX XXXX in Virginia. 
I live in California. 
Debit card was in my possession and it was fairly new. 
I say it was an inside job. 
I have copies of all transactions but I do jot have a scanner. 
It was like XXXX transaction at XXXX a pop. 
Please help us.
Consumer complaint received 2022-11-12
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. (NY)

I have paid the following fraud accounts out of my pocket not having knowledge of my consumer rights at the time of payments and creditor agreed to remove of my credit reports 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 U.S.C 1681 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item 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 2022-11-12
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. (MO)

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Experian and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Experian sent a letter stating this block was an error. It was not. Experian has violated my consumer rights. According to 15 U.S. Code 1681i Experian is supposed to delete the disputed items during a full and complete investigation. Experian violated this federal law. Experian is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Experian to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Experian for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.
Consumer complaint received 2023-03-01
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2022-02-23
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. (WA)

I called into Experian and submitted some disputes, the rep at Experian claimed he couldn't see some of the information that I was talking about. There seems to be something going on with Experian 's system, as I have reviewed paper copies of my report vs online copies and the information isn't matching. This is causing me some issues, and I wonder if this is happening on a larger scale?
Consumer complaint received 2022-11-12
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 (CA)

Capital One closed my personal credit card account without my authorization after having it open for XXXX years. The company 's actions will likely negatively impact my already classist XXXX XXXX which I have worked hard to upkeep. I am in the process of purchasing my first home and these actions could have ramifications for me beyond just a lower credit. Why do these financial institutions want you to open an account and then close it for you? I called Capital One and they had XXXX concerns about me being upset and how their actions could affect me financially in other ways. Their answer was to open another account which would also negatively impact my XXXX XXXX because they would have to run my credit again. I am beyond upset with their decision to close my account.
Consumer complaint received 2022-11-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

On XX/XX/2022, I opened a business checking account in US Bank online with a promo which gives me {$300.00} within 45 days after satisfying three requirements in 90 days. I have completed the three requirements and after 90 days, I called the US Bank and asked my bonus status. They said they confirmed that I satisfied the requirements, and if the bonus is not deposited until XXXX, I call them again. And after XXXX, I called them again and they said they dont know why the bonus was not given yet, so they submitted my case to their research department. Two days later, the research department left voice message : The business checking bonus is for one business checking account per one business, but I received the bonus before, so my promo has been denied. I swear this is my very first business checking in the US Bank and in fact, XXXX setup my business in XX/XX/2022. I called them and talked to the CS rep but he doesnt know why and I was disconnected. Today, I had a call appointment with a local US Bank rep, but I havent received any call until 20 minutes later than the appointment time.
Consumer complaint received 2023-10-04
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R & B Corporation of Virginia (VA)

It's been two year and half since I've been in contact with XXXX XXXX in XXXX, VA to have the bill send to XXXX, but they never did. When I called XXXX  in XXXX of XXXX, I explained to them that XXXX tried to charged me a bill in the amount of close to {$700.00}, I was told by the XXXX representative that the hospital should have send them the bill 3-4 months aftertreatment, so the hospital ending up sending the bill to me since XXXX decided not to pay for it since it was a year later. I discussed the situation with XXXX, all they were doing is passing me around to different departments and when I tried to speak tp one of the managers finally, she was rude, condescending about the whole situation. I felt that the hospital incompetent billing department should be the one who paid that bill since they did not care to send that bill to XXXX a year later rather than the 3-4 months after treatment. I am asking for XXXX and Credit Control Corporation at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX to remove that debt from my credit since it is their own mistake. Thank you.
Consumer complaint received 2020-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

My American Express Membership Rewards account was blocked for back office review since XXXX, 2019. It has been 4 months ever since, and I have tried to contact American Express multiple time to try to resolve or even to get a status of the review without any success. Multiple front line customer service representatives have promise me they will ask back office to contact me to update me with status of the review but I have never receive any updates. I am not sure why my account was reviewed and blocked, but I would like some transparency on this process and to understand what more they can review my account after 4 months. Since then, I have missed many opportunities to use my earned reward points for multiple travels through the holidays.
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2022, my Bank of America credit card must've fallen out of my pocket. I was in XXXX on the XXXX XXXX. I still used my card through my phone 's digital wallet for the subway that day, not knowing that the physical card was stolen and being used to make unauthorized purchases. - When I realized that evening, I checked my banking app and saw XXXX transactions on the card that I did not recognize, totaling {$340.00}. I paused the card and reported it. - I filed a fraud dispute and thought everything was settled. Then I received a letter on XX/XX/2022 informing me that the claim had been rejected because : " The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' - There was no PIN for the credit card so it could be used by anyone who picked it up off the sidewalk. And if Bank of America had bothered to actually look at the signatures, they would find that the signature was not mine. - I can no longer see the specific establishments that the card was used at because they are all blanked out with " Fraud Dispute '' on my bank statement. But the thief made purchases at various pharmacies, restaurants, and stores in XXXX within the span of a few hours on XX/XX/2022. - My BoA claim number is XXXX. 

Thank you, XXXX
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2024-01-02
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. (FL)

I was reviewing my credit report and was riddled with anxiety  seeing a few inquiries that I did not authorize. I am working to get some credit and will be denied due to these errors being wrongly verified by the bureaus without my authorization.
Consumer complaint received 2023-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (NV)

I signed up for a Venmo account because I needed to send my sister money! The transaction was denied every time! It states numerous places on Venmos website, on its app and a simple XXXX search, that you can use Venmo without having to verify your identity but have limitations on your account that verified members dont. I was sending {$100.00} it was nothing huge and it was denied! I reached out as to why and was rile to try again and then an email came saying my Venmo account was frozen because they needed to verify my identity. It states that a payment over {$300.00} a withdraw over {$1000.00} or to hold a balance in Venmo would require to when your id verified. I was sending {$100.00} and not meeting any of those thresholds so based off the information that they provide, I wouldnt need to do that. They asked for a copy of my license, i responded back that I didnt need to provide it, because no transaction I did or tried met the criteria! I attached the articles to the email and sent it and they wont even acknowledge it. This isnt the first time Venmo has been misleading with consumers
Consumer complaint received 2023-02-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AL)

I tryed to refinance my loan.last month and said they couldnt because i didnt recomfirm my loan in XXXX XXXX years ago, not reporting it on my credit report, saying they dont have title to my home, saying i was behind with them, my mortgage is current and know it has been current since they refinanced it, i have been paying it and they arent reporting it.belive they should just send me my paper work saying its payed off, bad company, considering getting attorney against wellsfargo
Consumer complaint received 2020-01-16
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. (MD)

I had a car with XXXX XXXX in 2013. I was incorrectly instructed by the dealership XXXX of XXXX XXXX to let XXXX XXXX repossess my vehicle because it no longer worked and the dealership would not accept the negative equity on a new car loan. For two years XXXX XXXX  refused to repossess the vehicle. I informed them that i was a student and could not afford the payments. They told me it was my responsibility to do so and that they would not take the car because it was worth less than the loan. The loan has remained on my credit since then. The status on my credit reports say charged off. However they report monthly that my payment is late. This is fraudulent. I have tried to call them and they forward me to collection department. But they will not update there reporting. If the account is not in collections. Why are you trying to collect.
Consumer complaint received 2020-01-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX, called Tranunion and XXXX for credit i never applies XX/XX/XXXX called Tranuion and XXXX to remove inquiries for credit i never applied thank you XXXX XXXX
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

I had a car with Navy Federal in 2013. I was incorrectly instructed by the dealership XXXX of XXXX XXXX to let Navy federal repossess my vehicle because it no longer worked and the dealership would not accept the negative equity on a new car loan. For two years navy federal refused to repossess the vehicle. I informed them that i was a student and could not afford the payments. They told me it was my responsibility to do so and that they would not take the car because it was worth less than the loan. The loan has remained on my credit since then. The status on my credit reports say charged off. However they report monthly that my payment is late. This is fraudulent. I have tried to call them and they forward me to collection department. But they will not update there reporting. If the account is not in collections. Why are you trying to collect.
Consumer complaint received 2022-05-17
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. (MD)

XXXX XXXX XXXX Account # XXXX This account does not belong to me. I do not have a contract with this company. This is inaccurate.
Consumer complaint received 2020-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Consumer complaint received 2023-01-17
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. (GA)

I requested that Transunion complete a thorough investigation of several accounts listed on my credit report. Transunion 's response was that my account was properly investigated and that all items in question were verified by their data furnisher. I do not understand how this is possible when there are several accounts listed with the following inaccuracies : inaccurate open date, inaccurate date of last activity, inaccurate closed date, inaccurate high balance, inaccurate payment status and activity, inaccurate past due amounts, inaccurate closed date, unknown accounts, inaccurate balance owed, and monthly reported charge off status with old accounts. There's a plethora of inaccuracies being reported that not only misrepresents me, diminishes my character, and contributes to severe financial hardships including homelessness, but also violates my rights under several laws listed below ( a couple typed below ). This is grounds for removal immediately. 15 U.S.C. 1681 section 602 A. States that I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : states that consumer credit reporting agencies can not furnish an account without my written instructions.