davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (OK)

XXXX/XXXX/2017 - I was notified by Discover Bank that my checking and savings accounts had been frozen for security reasons because I had added an external checking account for transfers. Verified my identity and had them unfrozen.
XXXX/XXXX/2017 - My mortgage payment in the amount of {$1200.00} was supposed to have been deducted from my account, however, only a partial payment of {$640.00} was deducted. I contacted the lender, XXXX XXXX, to find out what was wrong. XXXX told me that they received no payment at all because they were told the accounts had been frozen. The account specialist at XXXX conferenced Discover Bank in to assist as they had not initiated the ACH and had not received any funds. Discover Bank informed me that they did not know where the ACH had come from but that they could not give me the money back until they investigated the transaction and would get back with me in 7-10 days.
I never heard back ...
XXXX/XXXX/2017 - I sent a secure message to Discover Bank through my online account center stating the following : " There is a disputed ACH on my account that was supposed to be removed within 7-10 business days. It has now been nearly 3 weeks and I have heard nothing. This was Discover 's error as they had apparently frozen my accounts at the time because I dare to do the unthinkable and add a checking account to my external accounts, resulting in a declined mortgage payment. However, Discover screwed up and still processed the payment in partial, never giving the funds to XXXX but also never returning the funds to my account. XXXX was conferenced in and verified that the funds were never received as well. I need to know what the status of this request is and when the funds will be returned to my account. " XXXX/XXXX/2017 - Response received from Discover : " Dear -- -, Thank you for your message.
I can understand your concern about your disputed ACH and no response from us.
In an effort to provide you the best service possible, I have escalated this issue to the appropriate parties in our company for further assistance. We will respond as soon as we have any additional information concerning this matter. Thank you for your patience.
If you have additional questions, click on the Help section of the Account Center, reply to this message or call us at XXXX. Our 100 % U.S.-based customer service team is available 24 hours a day, 7 days a week.
Thank you for choosing Discover.
Sincerely, XXXX Discover Bank Customer Service XXXX/XXXX/2017 - I have still heard nothing from Discover Bank and still do not have my money back. This is a lot of money and I need it back ASAP, so that I can pay this next month 's mortgage payment. The delay and lack of response is unacceptable, and according to what I 'm reading on the CFPB website, also illegal. Assistance is greatly appreciated.
Consumer complaint received 2023-03-11
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: Phoenix Financial Services LLC (FL)

The company Phoenix Financial Serv has sent a negative report to the credit bureaus on XX/XX/2023 and I don't know why, or what they mean by this value or this charge, besides not recognizing this report, there is no evidence or evidence in my hands of being notified. I do not accept this violation of my rights as a consumer and I am abiding by the Fair Credit Reporting Act.
Consumer complaint received 2022-05-30
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. (GA)

The following companies have fraudulently and unauthorized inquiries placed on my credit report that. I did not authorize anyone employed by these companies to make any inquiry and view my credit my credit report. This is a direct violation of the Fair credit Reporting Act Section 1681 b ( c ) and a seriuos breach of my privacy rights. 

XXXX XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX XXXX dated XXXX/XXXX/XXXX and XX/XX/XXXX XXXXXXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Experian put a fraud alert on my file without my permission. Then they sent the alert to other credit bureaus. 

I tried to get them to take it off but they didn't have a contact number other than the one I used to what they claimed to call to take a freeze off or fraud. 

When you call the number you don't get a person only a machine asking you questions to verify or the machine hangs up on you. 

I answered the questions waiting to make a freeze selection that never happened and once it collects your information it tells you it just completed a fraud alert and that it would share that information with all the other credit bureaus. 
I called XXXX to find out if there was a freeze alert or fraud alert and could not get a straight answer from them. 

I called XXXX and they have my file in some special handling department that I didn't authorize and when I found out about it in XX/XX/XXXX or XX/XX/XXXX When they could not tell me why. 

I told them to take my file out of that department after speaking to several managers and supervisors. They assured me my file was removed but I've contacted them several times and each time since XX/XX/XXXX to now my file is still in that specisl department.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

First Im a XXXX veteran, I have never ever been late on any bill. My credit at the time was about 750 per experian. I had a capital one credit card XXXX XXXX XXXX XXXX, expired XX/XX/25. I very rarely used it but I bought my friend flowers XXXX day, the bill was roughly XXXX usd. I use XXXX but I went to a local Capital One bank and told the teller to pay the total amount. I usually always have at least XXXX in my checking account, which I did. I use XXXX to monitor my bank account. I've had a XXXX so its smart to have a company that montiors my checking account. They sent me a message and I checked my account and noticed that the teller let {$2.00} left on my bill. First of all it makes absolutely so sense at all would I leave XXXX dollars left on a bill. It has gone over 90 days. My credit went from 750 to 620! XXXX told me it was courtesy that Capital One would take care of it, I sent them a letter and they told me it would be taken care of. XXXX has called them, emailed them & they keep telling me they will take care of this. I have been doing this for years! Im a XXXX veteran  and my credit is extremely important to me. Now I need a small loan and they still havent taken care of this. Capital One has ruined my credit for XXXX. If I had enough money to hire a lawyer I would. Why would they ruin my credit for their own mistake!! Please Help me!
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX XXXX and Transunion are sharing my credit information without my signature persuant to 15 .u.s.c 1681a # 2n and 15 u.s.c 1692gb and engelhardt v.gravens
Consumer complaint received 2019-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (CA)

XX/XX/XXXX Keep your Home California had approved to reinstate me. 

I had requested a re instatement quote from XXXX dated XX/XX/XXXX for the amount of {$52000.00} that was good thru XX/XX/XXXX. 

Keep your Home California requested their 's about 2-3 days later since they were ready to re instate and need to request there own. There re-instatement amount was {$72000.00}. 

How Is it that XXXX Provided Two Reinstatement Amounts within the same dates yet {$20000.00} more to keep Your home California Knowing that Keep Your Home California max re instatement assistance is {$54000.00}. 

I then contacted XXXX, which told me that they would accept the {$52000.00} from me if I made a payment in the {$52000.00} amount by XX/XX/XXXX but would not take that amount from Keep Your Home California. 

Keep Your Home California said they would pay the {$54000.00} if I could show proof that I paid the {$20000.00} difference which I was more than ready too. 

XXXX told me that they would not accept two separate payments, they would not accept {$54000.00} from Keep Your Home California and the {$20000.00} from me. 

XXXX changed the amount of the re instatement in order to proceed with the foreclosure, they refused to allow me to cure my past due amount. 

I just submitted a modification on XX/XX/XXXX and as of XX/XX/XXXX they have said it is a complete packet yet continue with foreclosure instead of putting it on hold to review application ( dual Tracking ). 

I have submitted several modification applications which have been denied. Now they are telling me my loan has no options available. When I ask why they are telling me they can not offer me a lower payment. I am not looking for a lower payment I could pay double the payment I have told them that since the beginning. 

why would a XXXX refuse to take the full reinstatement amount. why did XXXX not want to separate payments what reason do they have not accept money beside wrongful foreclosure. 

XXXX PHH have done everything to set me up to have no other option but to foreclose on my home because they know my home is in a desirable area and is worth more than what I owe them. they are attempting predatory foreclose on my home for there gain.
Consumer complaint received 2022-05-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX
Consumer complaint received 2022-05-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022 and XX/XX/202XXXX XXXX
Consumer complaint received 2018-09-27
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. (GA)

I have disputed the inaccurate reporting that Equifax has been doing in relation to XXXX XXXX account number XXXX. Equifax received dispute information from me dated on XX/XX/XXXX about the inaccurate information of this account. I attached a identify theft policy report to Equifax as well on that date. I was notified on XX/XX/2018 by Equifax via their credit monitoring alert that this account was still reporting and that the information that was currently reporting is even different from the information on my credit file on XX/XX/XXXX with confirmation number XXXX. It is a material fact that the amount being reported on XX/XX/2018 is different that on XX/XX/2018 for the XXXX XXXX account XXXX and this account does not have the ability to increase due to its status. 

This has caused me tremendous personal damages with employment opportunities and various financial credit opportunities with potential new creditors.
Consumer complaint received 2023-02-20
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. (CA)

XXXX XXXX XXXX is in violation of 15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Furthermore you have 4 business days after receipt of this Notice to block this fraudulent account from my consumer report. according to 15 USC 1681C ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Identify Theft report and proof of identity enclosed as required by federal Law. Also the conduct of XXXX XXXX Services is an act of racketeering activity counterfeiting my signature and credit agreement is a violation of 18 U.S. Code 1961. Also reporting the accounts to my credit file with extortionate intent is also a violation of 18 U.S. Code 1961 ( 1 ) This is Notice to Cease and Desist from all communication including the credit report agencies I refuse to pay the alleged debt because I have no obligation to XXXX XXXX XXXX I have never entered into a consumer credit transaction with XXXX XXXX XXXX or its agents or employees and never gave you or your agents permission to use my personal identifying information which was obtained by aggravated identity theft in violation of 18 U.S.C 1028A. See attachment
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

The following accounts and credit inquiries listed on my Equifax credit report are all fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , XXXX . XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-05-30
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: Atlanticus Services Corporation (VA)

In accordance with the fair credit reporting act, XXXXt Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-07-27
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. (AL)

XXXX XXXX turned my cable off next day. I am disputing ( Re- investigation ). The balance is inaccurate. See attached .and I turned in equipment as well. Please update credit file. all 3. inaccurate infornatuon. please adjust or remove.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under the new law effective XXXX 1,2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureaus ( XXXX, XXXX, Transuion ) have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.
Consumer complaint received 2019-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

XX/XX/19 XXXX EST I received this text after placing my Wells Fargo Debit card in a malfunctioning Card Reader at a Fuel Pump at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX GA. 

The text was from XXXX ( XXXX ) XXXX and reads as follows : 1 of 2 FRM : Notices SUBJ : XXXX XXXX, Your curent accounts are on_HOLD, reactivate your accounts ( Co n't ) 2 of 2 at, imediatly go to : XXXX XXXX XXXX Regards XXXX XXXX ( XXXX )
Consumer complaint received 2022-05-30
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 Reporting act XXXX XXXX XXXX, XXXX via XXXX, XXXX XXXX XXXX XXXX XXXX and 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 2022-05-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX
Consumer complaint received 2022-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (GA)

I found the collection was added to my credit report Im XX/XX/2022 I never received any notification regarding this and have never received medical care at the originating facility. ASSETCARE has not responded to this when I reached out to them.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Under the new law effective XXXX XXXX,2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureaus ( XXXX, Experian, XXXX ) have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.
Consumer complaint received 2022-05-30
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. (FL)

In accordance with the fair credit reporting act, the following companies have violated my rights : Accounts XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXXXXXX XXXX : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A states that I have the right to privacy 15 U.S.C. 1681 section 604A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I applied and received a Capitol one XXXX card in XXXX of XXXX and did not use it until I went on Vacation in mid XXXX of XXXX. On the way from the airport I used the card 4 times and had no problem, but the following day when I tried to use it, it was declined. I did not receive any kind of alert to my email or their app. I called to find out what the problem was and was just told that my account was flagged for possible fraud and someone would call me in 7 to 10 business days. Well, after getting irate with them someone called a few days later and said that I would have to provide them with copies of my license, bank statements, SS card and proof of residency ( no sexure likk was provided ). Mind you that I live in Ohio and was in California at the time.So, in XXXX of XXXX I had to call again and got the secure link and sent the copies but was told on the phone that I had the option to send utility bill or bank statements and did not sent statements. But still the account is restricted, so I called again and sent the statements. Also, no one has told me why this happened and no one ever reaches out to me if and when they need more information, it has been all me calling a couple of dozens of times. This is been going on for about 7 weeks now. Also to this point between the application and this fraud " investigation " I have provided W2s, pay stubs, 2 sets of bank statements, ID, utility bill and SS card and as I write this, my account is still restricted.