davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I received a statement from Wells Fargo with my address. It was addressed XXXX XXXX XXXX XXXX and was a business statement which had my address with transactions. When I called they requested my name several times even though I explained that this business did not exist at my residence and that I didnt have any accounts with their bank. They asked why I opened the letter if it wasnt addressed to me and I explained that I thought it was some type of solicitation. I then spoke to a manager on a recorded line who told me to forward the statement back to Wells Fargo. I said that I would but wanted to keep a copy for my files. She told me not to do it no need. Afterward, I remembered that there was concern over them creating false accounts as a way of earning incentives and was curious if this was related to this situation. I am concerned that someone has listed my address as a place of business and that as a result I may be unknowingly involved in a fraud scheme.
Consumer complaint received 2022-05-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to file a complaint against Transunion credit bureau. I currently subscribe to credit monitoring and received seval alerts on XXXX and XXXX. I immediately took action as I have not applied for any credit. I contacted the companies in question and was informed that no new / active accounts were opened in my name and that I should contact the credit bureau with my inquiry concerns. I contacted Transunion on XXXX to dispute the inquires that appeared on my credit report. I was told by the representative that the inquires were factual data and could not be disputed. I insisted that these be removed because I was not the person that inquired about any new credit trying to be obtained. The representative continued to state the same info given previously. I asked to speak to a supervisor and was told that there were no supervisors available. I then ask to speak to someone in the fraud department and this is when I was hung up on or intentionally disconnected. At this point i was very upset and decided to wait until the next day to call again. On XX/XX/2022 I contacted Transunion again and asked to speak to the Special Services department. I spoke with a lady named XXXX and explained the situation and she asked me identity verifying questions which I answered and she said that she would initiate an investigation into the matter and that the inquires would be removed within 48 to 72 hours. I followed up after the given time frame allowed and the inquires were still present. I have followed the protocol that I was asked to follow and still no satisfactory result. I have also filed and mailed a certified 609 letter stating that the inquires are not mine and asking that they be disputed, investigated and removed in a timely manner because of error / mistake or false identity. In summary all I'm asking is the removal of the inquires that were not initiated by myself. The inquites are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you in advance
Consumer complaint received 2022-05-28
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 XXXX XXXX  XXXX furnished by XXXX, Experian, and XXXX has violated my rights per the fair credit reporting act code : 15 U.S.C 1681 section 602 A -states I have the right to privacy.

15 U.S.C 1681 section 604 A sec.2-also states any consumer reporting agency can not furnish a account without my written consent and instructions. According to the fair credit reporting act anything I feel is inaccurate, misleading, or arroynias being reported on my credit report can be disputed by the consumer to have any inaccurate, misleading, or arroynias deleted/ removed from credit report by the furnisher immediately.
Consumer complaint received 2022-05-28
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  account # XXXX XXXX XXXX  XXXX furnished by XXXX, XXXX, and Equifax has violated my rights per the fair credit reporting act code : 15 U.S.C 1681 section 602 A -states I have the right to privacy.

15 U.S.C 1681 section 604 A sec.2-also states any consumer reporting agency can not furnish a account without my written consent and instructions. According to the fair credit reporting act anything I feel is inaccurate, misleading, or arroynias being reported on my credit report can be disputed by the consumer to have any inaccurate, misleading, or arroynias deleted/ removed from credit report by the furnisher immediately.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$53.00} XXXX )XXXX XXXX ( Date Opened : XXXX XXXX XXXX  Balance : {$4400.00} XXXX XXXX ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX ), XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX ), XXXX XXXX ( Date Opened :, Balance : {$550.00} XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4900.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX SER Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, TX XXXX Mail Current Status - Processed For Delivery ( XX/XX/XXXX XXXX XXXX  ) Letter Mailed Date and XXXX - XX/XX/XXXX XXXX XXXX  Pass through - Standard Recipient Address - XXXX XXXX XXXX XXXX, TX XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX Account XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2022-05-28
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. (NY)

In accordance with the fair credit reporting act my rights have been violated 15 u.s.c 1681section 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 with out my written instructions XXXX for {$1700.00} XXXX XXXX XXXX {$980.00} XXXX XXXX {$800.00} XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2017-07-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I called Bank of America X/XX/17 and they would not refund the {$35.00}. Spoke to a customer service rep then a manager. I told them I would contact the CFPB I am contesting an overdraft fee of {$35.00} which Bank of America will not refund. Bank of America did cover an overdraft of XXXX on X/XX/17. <P/>Deposits were made to stabilize my account X/XX/17 So, 4 days money cost me {$35.00} which my estimate is 60 % interest on a 4 day loan This XXXX article mentions the CFPB telling customers to beware of this fraud XXXX XXXX XXXX Bank of America
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

- FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & XX/XX/XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past few months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Agency act XXXX, Equifax, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These address do not belong on my credit.
Consumer complaint received 2022-05-28
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: CITIBANK, N.A. (NV)

Citi ( R ) Cards, XXXX XXXX XXXX, XXXX XXXX, MO XXXX. This company offers the Costco Visa Card that specifically states a 3 % rebate on travel services worldwide. I have been denied this 3 % rebate multiple times and have always filed a dispute with denial and them placing blame on the merchant ( which has nothing to do with 3 % cash rewards ). The Customer Service Team will send a conditional credit onto my account, waste weeks and ask for additional paperwork, proof of my claims, etc... only to be let down and screwed out of 3 %. Citi ( R ) Cards has reversed the 3 % cash back every time and disputed my claim on multiple occasions. This needs to be addressed via governmental agency for fraud and misrepresentation. I have attached the last letter I sent Citi ( R ) Cards and they FAILED AGAIN!
Consumer complaint received 2024-05-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have an existing savings account at Citizens Bank that has been subject to fraud. 

Citizens and I have agreed to set up a new account. I wish to opt out of the arbitration clause in the new account agreement -- which provides for opt out ( see attached ). 

Citizens says it will not permit it.
Consumer complaint received 2022-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have XXXX days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status
Consumer complaint received 2024-04-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION (IL)

Hi, My name is XXXX XXXX, I currently have a loan with XXXX XXXX XXXX XXXX  since 2018. My home flooded on XXXX. To my misfortune, I have mold, asbestos and the loss of my personal belongings. I started receiving checks from my insurance company ( XXXX XXXX ) in XXXX. 

Ive been in constant contact for months with XXXX XXXX XXXX XXXX  regarding my loss. I endorse all the checks and XXXX XXXX XXXX XXXX has had them in their possession since the end of XXXX. Ive done everything the insurance company and my mortgage required me to do. I have a contractor who is ready to work. To date, my home hasnt been repaired. 



I have been misinformed by XXXX XXXX XXXX XXXX regarding how the funds are being released. On XXXX XXXX, I sent all the estimates for the repairs but were denied. My contractor, XXXX and I called XXXX XXXX XXXX XXXX  on XXXX around XXXX, I was told, she did not see paying XXXX percent payment to the contractor because it was not a big loss ( see attached ). I called today, XXXX, and spoke with XXXX ( XXXX ). I asked to speak to a supervisor, this will take XXXX to XXXX days. I called again @ XXXX to inquire about the estimates I submitted on XXXX, this will take XXXX to XXXX days for a review. Now, Im told only XXXX percent will be released to the contractor. I called back today @ XXXX and asked for this information in writing. Again, I am misinformed and stonewall. Calling numerous times, I always receive a different reply or answer. I honestly believe this is done intentionally. I want to move forward getting my home repairs done. 

XXXX XXXX XXXX XXXX  is creating hardship for me and my family. My overall experience with XXXX XXXX XXXX XXXX has been a disappointment with service, unprofessionalism, and unfair practices. 

--
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX OF XXXX XXXX XXXX OF XXXX XXXX
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

My bank has collected the funds from the banking institution and refuses to release funds based on the agreement that they have 7 days to decide whether they will provide me access to the money. 

The fraud department has refused to confirm with the issuing bank and I have decided to hold funds.
Consumer complaint received 2024-04-02
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (LA)

Pursuant to Fair Debt Collection Practices Act 15 United States Code 1692. I reached out asking for a original contract that I signed with them and they stated that their client gave them my information they have called me over and over again multiple times a day I have had to block them. Its 2 accounts they have one in the sum of {$1300.00} and the other one {$2000.00}.
Consumer complaint received 2019-03-25
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (AE)

I have contacted Caliber Home Loans several times regarding them falsely reporting that I am {$5400.00} past due on my mortgage and I have been late on my payments since XXXX. I wrote a letter to Caliber on XX/XX/XXXX, and I called the same day. I have inquired about the information each time I paid my mortgage : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told that the information will be updated, however ; I just checked my credit report and it states the same plus they added XXXX and XX/XX/XXXX as past due 90 days. 
I would just like for accurate information to be provided on my credit report. I am not past due and my last late payment was in XX/XX/XXXX.
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (MN)

I ordered a XXXX XXXX from XXXX XXXX. At ordering everything went fine. I even got a receipt. However, when tried to login to payment center, they could not find my credit card number. After numerous calls, I found out they had not only canceled the order, but had canceled my card. Their reason was I did not make a payment. How can I make a payment, when I did not get a notice to do so, nor can I login to their payment site without their finding a credit card for me? I would need to set up an account based on the credit card number - XXXX. The company is Comenity-d.Comenity.com.net.