davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (UT)

well first I have been doing ok until this year my property taxes have went through threw the roof! and then i find out I am paying a {$30.00} dollar insurance pol on my escrow which i wasn't suppose to have it was just added! and my rate adjusted but now this has push my payment from XXXX to almost XXXX! a month!
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items :
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: DISCOVER BANK (CA)

So my XXXX XXXX XXXX XXXX card wasnt allowing transactions to go through for my bills. My mom helped me by letting me use her account to pay for the bills for the meantime. Discovery which is the bank that Im having issues with was charging my moms account but not her checking, it was a XXXX XXXX account. We didnt know until now. It seemed like it took out {$100.00} for XXXX but was able to transfer from my checking to cover. But for XXXX it again took out {$100.00} from the same account instead of the checking and got charged with two {$25.00} overlimit fees. I contact customer support for help as to why but they only explained that I need to talk to my bank about why. Never had a bank or company pull out money from other than my checking, and I ensured it is checking. The issue isnt which bank I used, but where theyre taking the money from. It wouldnt have been an issue if they used the checking or even saving account, but to use one that is empty is to me shady.
Consumer complaint received 2023-03-02
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)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-02
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : 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  15 U.S, C 1681 section 602 A. States i have a 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 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 persons know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-27
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

Remove late payment from Capital One XX/XX/XXXX and XX/XX/XXXX for credit card ; this company is in violation of 15 USC 1681 15USC 1681b 15 USC 1681 ( 2 ) ( a ) ( i ) 15 USC 1681
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

I went to open a checking account and Bank said credit reporting agency, Equifax, had a hold on my credit report. I inquired with Equifax, after talking to them they said there was no problem. I tried to log on and got an error message. Tried XXXXXXXX same error. Called Equifax back, with error codes. Talked to supervisor ( XXXX, XXXX  # XXXX ) who stated I needed to send a letter in the mail with a cover letter, my drivers license and my social security card to verify my identity. I asked why? Was there an identity issue? He just kept repeating I need to send verification of my identity and there were no holds or freezes. No reason was ever given to me.
Consumer complaint received 2021-12-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc. (IA)

One day they called 3 times within 5 minutes, another day they called 4 times within 20 minutes. Recently, they will call, then 1 minute later call again, doing this multiple times a day. They call excessively when I'm at work, never leaving a message so I know who they are or what they want.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (NY)

USC 1692 ( A ) abundant evident of abusive debt collection practices USC 1692e ( 10 ) use of any false representation or deceptive means. Your financial institution knowingly reported false personal credit information.

USC 1681 ( a ) ( 4 ) my right to privacy was negligently and willfully violated FURNISHING AN ACCOUNT THAT WAS CREATED FROM A CREDIT CARD OR SIMILAR DEVICE 15 USC 1681 ( A ] ( 2 ) ( B ] UNAUTHORIZED USED OF A CREDIT CARD WHEN THE USER DOES NOT HAVE IMPLIED AUTHORITY 15 USC 1602 ( P ) identity theft ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance
Consumer complaint received 2023-05-14
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. (NY)

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 2020-01-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NV)

Terms state : " You can receive only one new business checking account opening related bonus every two years from the last enrollment date and only one bonus per account. '' https : //accounts.chase.com/consumer/business/online/500checking I have never rec

eived any bonus for a business checking account. I opened an account and used a coupon but the terms were not satisfied, according to Chase, and the bonus was never paid. I escalated this matte r three levels at Chase and each time they gave me re-worded explanations of those terms. They said things like 'you can only use one coupon ' or 'you can only have one offer applied to your account '. That is not what their terms say. The terms state very clearly that you can only RECEIVE one bonus. I qualify. But they will not give it to me.
Consumer complaint received 2021-12-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (FL)

My bank has forced flood insurance for 3 years in the amount of over {$5000.00}. I was incarcerated at the time. I have gone through FIMA and have gotten off the flood map. They have put this on the back of my mtg.. I'm a XXXX veteran and can not get a loan through the VA or any other bank as they are holding me XXXX for this money. The fees are extremely excessive. They don't answer their phones. I can't even get a record of the fines and penalties broken down. This is Regions Bank. They lost a {$50.00} XXXX dollar settlement in 2016 for doing the same thing. Please help me with this as I'm at my wits end. Thank you in advance.
Consumer complaint received 2024-04-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kovo (NV)

I have been emailing KOVO Credit builder. I have some late payments. I have tried to Reach out Via email and phone I have made the customer service representative aware that the items that they are reporting late are excluded by law and they are reporting it on my consumer report. On XXXX, XXXX, XXXX. They reported late payments to XXXX XXXX and XXXX according to 15 USC 1681 ( 2 ) -Exceptions, Except as provided in paragraph ( 3 ), the term, consumer report does not include ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. My transactions or experiences with their company by law are excluded from my consumer report. I need these transactions/experiences deleted from my consumer report. It is drastically affecting my score. They are also in violation of consumer laws more specifically : Violation of 1681, 15 US C 1681s-2, 15 USC 1681 and Timing of payments 15 USC 1666B . I have requested that they delete all of the late payments and they refused to do so. They also refuse to give me my account number. I have also sent them a letter in detail with the dates and the direct violations of the law that they are in and no one is responding.
Consumer complaint received 2022-12-27
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)

I have a two collection accounts on my Experian Credit Report. One by XXXX XXXX XXXX Co ) for {$900.00} and the account was opened fraudulently in my name on XXXX XXXX. At the time I was only 17 years of age, a minor cant open any accounts nor be legally responsible for a debt. This is a inaccurate account, and must be removed. There is also another account by ( XXXX XXXX ) this is for a apartment community collection. This account was opened XX/XX/2022. This is another account that was opened not be me. Also this was opened before I was 18 years of age. This is inaccurate reporting and this collection account must also be removed. There is also a account showing up negative information by the name of XXXX XXXX XXXX XXXX ) with a balance of {$180.00}, and the account was opened on XX/XX/2022 before I was the legal age. This isnt my account therefore is inaccurate reporting once more and must be removed. I have also made a FTC Report, with report number XXXX related to this matter.
Consumer complaint received 2019-12-30
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: General Motors Financial Company, Inc. (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-12-25
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: EQUIFAX, INC. (OK)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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.
Consumer complaint received 2022-12-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (UT)

I contacted the agency and was told that they wouldn't repossess a junked car. Yet they still keep billing and reporting me on the vehicle. If you buy something and it's broken, you return it and get a refund or a replacement. This car was broken down within the first week after buying it. 
This is total XXXX XXXX and completely unfair.
Consumer complaint received 2022-12-27
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (GA)

I have been a member with XXXX since XX/XX/XXXX they recently switched to Barclays during the summer of XXXX. I was giving a notification of 48 hours to deploy in XXXX in support of XXXX and XXXX conflict. When I reach my destination, I had no internet or phone access. I was not able to make payments and I didn't have access to the Barclays credit card at all. In XXXX if XXXX when I did get limited internet access, I checked my credit score to find out that Barclays reported 2 late payments. I paid the credit card off immediately. This situation was not on my control and is affecting my credit score and my ability to purchase a home. Service members should be protected while XXXX and serving their country. I sent Barclays a good will letter in XXXX when I returned from my XXXX along with a copy of my orders to try and resolve this issue.
Consumer complaint received 2022-12-27
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-27
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. (VA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2022-12-27
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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.
Consumer complaint received 2019-12-29
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. (IN)

While XXXX XXXX my idenity was compromised. During this time several hard inquiries were made on my Equifax credit report. I have listed them on the attached FTC reports. I am requesting that the creditors and Equifax immediately remove this from my credit file as it is affecting me economically. Please note some of the accounts mentioned are listed multiple times. I have never done buisness with these companies and demand that these items be removed immediately.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: FISERV INC. (CA)

My complaint is against MONEY NETWORK in XXXX, MD : On or about XX/XX/2022, I received a prepaid card in the amount of {$1000.00} for my " California Middle Class Tax Refund ''. I followed all the instructions to activate the card and went to XXXX XXXX XXXX to get the cash from the card. XXXX has the special machine to verify my funds and give me the cash. The bank teller told me the machine said my card is " void ''. 
The same day I called MONEY NETWORK and asked for a check to be mailed and they agreed to mail me a check. After about 30 days, the check didn't come so I called and we agreed they would send me another check. As of this writing, the second check has never arrived. 
I made multiple phone calls and MONEY NETWORK 's system notes are the best source for a record of all my calls. It also represents how much time I've spent. 

I received IRS tax from 1099 for the money I never received. I believe MONEY NETWORK is engaged in fraudulent and illegal activity.
Consumer complaint received 2022-12-27
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. (IN)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) 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 XXXXXXXX XXXX
Consumer complaint received 2023-02-28
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. (CA)

When I review my credit report there are seems to be accounts that are misleading and needed verification for their erroneous reports. I already sent the necessary files to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. so kindly verify these accounts : XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXXXXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

in accordance with the Fair Credit Reporting act XXXX  Account # 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