davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions. 



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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHYS 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. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHYS 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 2022-04-21
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)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2024-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: LOBEL FINANCIAL CORPORATION (CA)

I was charged insurance fees for my car loan. I am on my last payment. I was told I did not have full coverage insurance with my carrier and sent them proof of being insured. The paper i sent them did not list them as the lien holder and I contacted statefarm to make sure they corrected the mistake. Lobel said even if statefarn makes that correction, they will still charge me for the insurance even though I was fully covered. All I want is for them to remove all the additional fees so I can make my final payment to own my car. This conversation all happened today.
Consumer complaint received 2024-06-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (OH)

So I already have another current complaint about revvi card but this complaint is first access card who uses the same system that they do I call in to make my payment XX/XX/2024 and it doesn't accept my card I do this several times I wait and try several more times the next day on the XXXX when my payment due so I end up having to call them same card they have on file there they want to charge me another {$10.00} just to take the payment I finally get them to waive the {$10.00} and they say it's a first time courtesy XXXX XXXX but then they say I'll have a late fee because it's after XXXX I've been trying to pay my bill for XXXX days straight and your system isn't working or accepting my payment but yet somehow they have the same card on file automatically charge the payment but the phone system won't take the payment that they say is free getting close to taking legal action this has happened before I asked them to fix it they tell me they can't then I asked well who can they don't know so who am I paying and why am I paying you extra then what I agreed to pay you the predatory XXXX XXXX interest is already bad you're already making a killing off of me and then you want late fees and {$10.00} phone payments that's XXXX I've always been on time with my payments I've always made my payments so what's the problem I have the suspicion that this company possibly revvi card as well as first access card too are purposely corrupting the phones so he doesn't take your payment so they can either charge you the {$10.00} or charge you a late fee it should not be my fault that your system isn't working and this is how I agreed to pay you the company should be held accountable
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Viking Client Services (MN)

My husband and I are being contacted by an individual who claims to be from Viking Client Services via phone, mail, and now email. We even received a call from XXXX  out of XXXX, CA saying they were contacted by this same person to try to make a claim against our former car insurance for a fake accident in a rental car that we rented back in XXXX of 2021 out of XXXX XXXX, CA. XXXX has confirmed that we have no accident on our record but also keeps sending us back to contact Viking Client Services. However, I don't believe the individual/s contacting us are even the right Viking Client services. The picture of the accident they sent me is a different car than what is on the rental agreement. The picture of the damage appraisal they sent me even had a date of accident listed that is outside of the time of our rental agreement.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have a business account with the Bank of America. 

On or about XX/XX/2021 - XX/XX/2021, XXXX XXXX  XXXX ( Client ) residing at XXXX XXXX XXXX, XXXX, VA XXXX I filed a fraudulent claim a transaction was initiated in my account resulting in the following transaction Type : Wire Amount of Transaction : {$2500.00}, {$5000.00} and {$1400.00} to a Recipients Bank in XXXX : XXXX XXXXXXXX XXXX XXXXXXXX and the recipient is XXXX XXXX  XXXX Details XXXX Transaction Type : Wire Amount of Transaction : {$2500.00}, {$5000.00} and {$1400.00} Clients Account Number ending in ( last 4 digits ) Recipients Account Number ending in ( last 4 digits ) Recipients Bank : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXXXXXX Bank Of America still have not resolved my claim.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (KY)

I reviewed an offer via XXXX XXXX for am amex blue cash everyday card. The advertisement stated that there would be no impact to my credit score to see if i prequalify. The website then stated i was approved but set my credit limit at XXXX. The promo offer for new account opening states you have to spend XXXX  in the first 6 months to get a rebate of XXXX. This is the only reason i applied for the card, if AMEX sets my limit to XXXX, how am i supposed to make enough purchases to get the promo? This is a bait and switch and intentionally done by AMEX to prevent people from qualifying for the promo payout. My credit score is XXXX and there is absolutely no reason other than intentional fraud o discrimination that my limit should be a paltry XXXX. I called AMEX new accounts and spoke with XXXX who was not able to help me and i requested a supeverisor. I advised robot i will be filing a complaint with CPFB and would like a callback from his supervisor. XXXX gave me confirmation number XXXX. I requested AMEX either cancel this application with no impact to my credit file or increase the list, AMEX refused to do either and stated per the terms, the account can be canceled but will appear on my credit file as a new account and drop my score. I am furious that they are allowed to bait and switch people thereby forcing them into a sub level product with an unusable credit line. Please close my account and erase from my credit file, or increase the limit significantly. 

XXXX
Consumer complaint received 2022-04-21
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)

On XX/XX/2021, I sent letters via certified mail out to XXXX, Equifax, & XXXX regarding an account that is being reported incorrectly on my credit report. I asked them to correct the information. They never have. I have sent them proof that the company is reporting inconsistencies across the reports. They do not match. The agencies have not followed up with me or provided any documentation on why the data has not been corrected. I subsequently mailed letters in XX/XX/2021 asking them to provide me with how they 'verified " the information and to delete the account altogether since it was not correct. I still have not heard back. The agencies failed to do their due diligence. If they had the data would not differ from credit bureau to credit bureau.
Consumer complaint received 2015-06-18
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (OR)

I opened a XXXX checking account ( XXXX ) in XX/XX/XXXX. It was linked to a XXXX Savings account ( XXXX ), in order to avoid fees on these accounts. In order to avoid the fees I had to make a recurring transfer of {$25.00} from checking to savings. This recurring transfer went on for several years. Over that period of time, I was told by XXXX different tellers on XXXX separate visits that I did not have to continue the recurring transfer, that it only needed to be set up that way initially. They said I could just discontinue the transfer at any time and no fees would result. So I discontinued the recurring transfer in XX/XX/XXXX. Since that savings account usually does not have much money in it ( I do most of my banking at another institution ), I paid little attention to this account. The other day, when logged into the Wells Fargo iPhone app, I noticed a negative balance in this account. Looking further, I found that the account had been emptied by {$5.00} monthly service fees since XX/XX/XXXX. I was shocked and dismayed. I went to the bank at once and spoke with banker XXXX XXXX, who politely listened to my complaint. She called a customer service representative named XXXX ( who reluctantly told me his last name was XXXX ), whom I spoke to on XXXX XXXX 's desk phone. After hearing my story, XXXX XXXX told me that although the tellers had given me erroneous information, which he said could perhaps be classified as " bad behavior, '' it did n't meet the criteria of " bank error '' and therefore there was nothing that he could or would do. He " reassured '' me that it was a pleasure to speak to me, and thanks for doing business with Wells Fargo. He hoped I would have a nice day. XXXX XXXX informed me that to avoid further fees, I should transfer {$300.00} to that account to keep a minimum balance, and also to transfer an additional {$4.00} to cover the negative balance and an additional {$5.00} to cover this month 's impending service fee. 
I do n't know if the tellers had given me incorrect advice to discontinue the recurring transfer inadvertently, or if they did it specifically to generate fees. It does n't really matter at this point. The fees will total {$70.00}. 
Regardless, this is the sort of predatory activity that the Consumer Financial Protection Bureau was designed to combat. As a mere customer, there is little that I can say myself that Wells Fargo will listen to. I know their behavior is wrong, they know it, and now you know it. 
Please help make it right.
Consumer complaint received 2022-04-21
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)

On XX/XX/2021, I sent letters via certified mail out to XXXX, XXXX, & Transunion regarding an account that is being reported incorrectly on my credit report. I asked them to correct the information. They never have. I have sent them proof that the company is reporting inconsistencies across the reports. They do not match. The agencies have not followed up with me or provided any documentation on why the data has not been corrected. I subsequently mailed letters in XX/XX/2021 asking them to provide me with how they 'verified " the information and to delete the account altogether since it was not correct. I still have not heard back. The agencies failed to do their due diligence. If they had the data would not differ from credit bureau to credit bureau.
Consumer complaint received 2022-04-21
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: Social Finance, Inc. (GA)

As of this writing I have been dealing with the underlying company Sofi Lending Corp since XXXX..I have contacted this company in reference to this account which was open XX/XX/XXXX, XXXXThis account was blocked back In XXXX due to FTC identity theft report and local police report in my state..However, as of XX/XX/XXXX it has been reinserted back on my credit file after nearly 5 years later..I contacted the three major credit reporting agencies XXXX, XXXX, and XXXX and was told this company Sofi has reinserted there company name on my credit file as of XXXX XXXX..I have sent theft report back in XXXX when I first discovered this company name on my credit file in the amount of XXXX, XXXX
Consumer complaint received 2022-04-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
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: Experian Information Solutions Inc. (GA)

I recently review my credit report and notice account not reporting accurately. I had three late payments I know I paid on time cause my bank had a glicth and error that states that .My bank said I had to write all 3 credit bureaus to get them remove even though they made mistake. The consumer reporting agencies have need to report all information with complete accuracy. These accounts have not been late on payments. I have attach a copy of this report on complaint on the following dates. XXXX, XXXX, XXXX, XX/XX/2023. 
I AM REQUESITNG YOU REIVESTATGATE AND PROVIDE VERIABLE PROOF WITH RECORD SHOWING I HAD LATE PAYMENTS. IF THIS INFORMATION CAN NOT BE VERIFIED I DEMAND THESE PAYMENTS BE UPDATED PAID ON TIME IMMEDIATLY TIME
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (FL)

Submitted a complaint through the XXXX XXXX XXXX and advised this company they have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You XXXX XXXX. You have violated the FDCPA XXXX and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. Account # XXXX Failure to respond satisfactorily with deletion of the above referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1.00} per violation. They ignored my request of cease and desist which is willful infringement and advise me the balance due was not owed to them, and was owed to the original creditor but are coming after me to pay them for alleged debt they confirmed was not owed to them. That is false and deceptive practices and I demand this be removed from my credit report or Im seeking remedies for each violation.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I leased a XXXX two years ago, I moved to XXXX  and XXXX XXXX added XXXX sales tax to the lease, I paid the taxes up front in XXXX XXXX, by there own admission they made a mistake, my credit report is showing me late on the {$180.00} that was charged to me without my knowledge, its being refunded and they said they will take the credit marker off, I need this done now, Im closing on a house and will have a problem, I had a XXXX credit score and now XXXX because of there mistake. Please contact them and have them remove it ASAP Thanks, XXXX XXXX XXXX
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Venture X told me before I applied for the credit card that there will not be any spending limit on my card. But they restricted my spending limit by what they call " Purchasing Power ''. This in effect is a spending limit. 
It was misleading advertising, and I would not have applied for this credit card if I knew there will be a limit on how much I can spend in a month.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit act the list of accounts below has violated my federally protected consumer rights and confidentiality under u.s code 1681 XXXX XXXX XXXX  XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX  XXXX # XXXX has violated my rights under 15 u.s code 1681 section 602 A states i have a right to privacy 15 us codes 1681 section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions 15.u.s code 1681C ( A ) ( S ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s code 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 2022-04-21
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. (CA)

In accordance with the fair credit act the list of accounts below has violated my federally protected consumer rights and confidentiality under u.s code 1681 XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX  XXXX # XXXX has violated my rights under 15 u.s code 1681 section 602 A states i have a right to privacy 15 us codes 1681 section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions 15.u.s code 1681C ( A ) ( S ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 u.s code 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 2022-04-21
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. (TX)

XXXX Equifax reporting derogatory which is incorrect because it is paid and should reflect so or be removed. XXXX and XXXX reporting as PAID. 

Account Name : XXXX Account # : XXXX
Consumer complaint received 2015-11-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

PennyMac, my mortgagee drafted a payment from my bank account {$560.00} in excess of the scheduled payment. They sent me a refund check for that amount with no explanation of how it happened, and certainly without interest for " borrowing '' my money without my permission for the duration.