davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
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 list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 sec . 602 ( a ) states that I have the right to privacy 15 U.S.C 1681 sec. 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have the following unauthorized inquiries on my credit report and they may be fraud related : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-19
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: BARCLAYS BANK DELAWARE (CO)

On XX/XX/2019 I called barclaycard to open a line of credit. My intentions with this line of credit was to transfer an existing Barclay balance onto this new card with a 0 % APR. I was very specific about my intentions and verbally stated them multiple times to multiple agents on the phone. Upon hearing my request the agent offered to open me a card. I told her I would only open the account with the pre mentioned stipulation ( the balance transfer ) as a guarantee. It was at this time the agent fraudulently opened the card in my name. Only after my credit was pulled and everything was finalized was I told Barclay does not even consider transferring balances from an existing barclaycard to a new one. They knew this as fact, and in a predatory manner, manipulated me into opening this account anyway. I immediately demanded a supervisor review the recorded phone call of my application and reverse all actions made. I was told the call would be immediately reviewed and I would be contacted back within 24 to 48 hours. After waiting an entire week to hear back from some sort of supervisor within their company, I was finally contacted and notified that they do not listen to recorded phone calls of applications, nor would they be able to do anything about the fraudulent account being opened. This is a predatory and manipulative process that they are putting people through. I can't see how it is legally possible for them to continue to do business the way that they are.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (MN)

I have been fighting reliacard now for 2 years to get my funds that were sent to me from child support. I have contacted the state and my worker who has sent the requested info for the deposit made to the reliacard company but we're never credited to my card.. 8 transactions in XXXX and XXXX totaling {$1200.00} The child support agency has sent the 8 payments I have been XXXX  since XXXX and this should have helped prevent that. I will be getting a lawyer after this and sue for damages and hardships if tho is not resolved
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERIFIRST FINANCIAL, INC. (OH)

I went through XXXX  Amerifirst financial mortgage with a lender XXXX XXXX. I decided to go to another lender. He called my cousin who is a real esate agent to tell him I went elsewhere and gave him the info of who I went went with. This is unethnical and my information should of not been told to anyone. This also has caused a huge rift in my family by his actions. 

I then reached out to the company XXXX financial mortgage based out of Arizona and am no longer receiving calls back from this man named XXXX at XXXX that is in the complaint department. 
I am not being heard and its against the law to give out information on a client.
Consumer complaint received 2022-04-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Loan was in forbearance starting XX/XX/XXXX. On XX/XX/XXXX, forbearance term was extended to XX/XX/XXXX. Attached is documentation. Per the Cares Act, no late fee shall be charged while a loan is in pandemic forbearance, yet a late fee in amount {$130.00} was charged on XX/XX/XXXX, to loan no. XXXX.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

During past week, I was mailed a letter informing me that a certificate of ownership was needed in order to maintain the account... .this account has been in force since XXXX. 
We have never been asked for a certificate, although I was actually discussing this account with bank managers as late as XX/XX/XXXX. This letter was so urgent that my account was scheduled to be locked on XX/XX/XXXX -- -- the same day i received a very non descript letter from us bank -- -- ( i think if i had a customer with a {$360000.00} acct, I would send them a registered letter to indicate this urgent situation ). XXXX, i was on the phone with a XXXX XXXX who informed me i need to complete the certification form and sent to his e mail He would then expedite the info to have the acct opened. By this time I am begging him to allow my payroll to go through In 30 years of business, I have never had a paycheck bounce. It is very demeaning and humiliating to have staff bring me a bad check. XXXX later stated the form was wrong because I Iisted a person who is not an owner Although this is my account -- -i can list who I want! I corrected the errors and removed the extra name. I was told by XXXX XXXX that the form looks good and was to be expedited for reopening the acct. She later found something wrong, I corrected, and talked to XXXX XXXX  who swore he had done his due diligence and the form would be expedited to team who would open the account On Monday, the XXXX, I called to verify the release, as I am still getting calls about checks not clearing. i was told by XXXX XXXX that I didnt send the back of the form although I have e mails indicating that i sent complete form There was a issue that i did not write, XXXX XXXX XXXX Mo XXXX in a small area that asks for STREET ADDRESS. Just above that address, i had written the complete address including zip So what we have is a bunch of nit picking when my paychecks are bouncing. Furthermore, this account has been active since XXXX!!!!!!
Consumer complaint received 2022-04-19
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. (SC)

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 a account without my written instructions.
Consumer complaint received 2022-04-19
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This payments was made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correctXXXX XXXX XXXX XXXX XXXX XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Consumer complaint received 2020-12-24
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: WELLS FARGO & COMPANY (GA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
Consumer complaint received 2023-10-19
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. (OH)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2022-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

I ended my account with XXXX in XXXX XXXX XXXX and returned my equipment in-store, closing the account and paying the final bill in full. In XXXX XXXX XXXX, I contacted XXXX again because I received another bill, and confirmed via phone that the equipment was returned and the account was again confirmed to be closed. At a later time, a debt collector Convergent Outsourcing Inc said they were collecting a payment of {$110.00} for the account that was past due. Since I had moved to a new location, I never received any mail notifications or e-mails regarding this instance. I contacted XXXX and they confirmed in my account notes that equipment had been returned and that there was an unjust balance on the account, but they were unable to close the instance with Convergent Outsourcing since it had been reported already on my credit. I contacted Convergent Outsourcing, notifying them of the instance with XXXX and informing them that I would submit an XXXX dispute. I submit the XXXX dispute but learned today that the dispute was rejected so I am filing a complaint through the CFPB to get it removed from my collections and credit history. I have attached the XXXX and XX/XX/2020 bills, showing a {$0.00} balance at the start of XXXX and then Service charges for both XXXX and XXXX. I contacted XXXX in XXXX where they said they would fully credit and close the account, but the invoice shows they only provided back partial credits on the instance which resulted in a missbilled balance of around {$110.00}.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX XX/XX/2022.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I had my bank account for 25 years. I have become XXXX and can no longer work. Because I do not have direct deposit of {$250.00} a month, they are charging me {$12.00} maintenance fee. How discriminating when you can no longer work to be able to have direct deposit.
Consumer complaint received 2022-04-19
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. (WA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX ACCOUNTS : -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 -Untitled XXXX XXXX Subject has not satisfied debt. XXXX 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 2022-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One Credit Card Services is using the united states mail to harass, intimidate and fraud me into paying a debt not owed by me. I demanded arbitration to resolve the matter. The company has ignored my request but insist on sending fraudulent communication to my mailing address. I do not have any agreements with Capital One. I demand that they stop sending me anything! I do not owe you a dime! You have stolen my identity and refuse to close this fraudulent account in order to keep getting paid for servicing a invalid agreement. STOP SENDING ME MAIL OR I WILL SUE!
Consumer complaint received 2022-04-19
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, ( original Creditor : ) acct # XXXX, ( original Creditor : ) acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXXXXXX XXXX XXXX acct # XXXX late paymentsXXXX XXXX XXXX XXXX XXXX  # XXXX 120 day late payments, cb indigo 60 day and 30 day late payments, XXXX XXXX 5 30 day late payments 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 2022-04-19
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, ( original Creditor : ) acct # XXXX, ( original Creditor : ) acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXXXXXX XXXX XXXX  acct # XXXX late payments, XXXX XXXX XXXX XXXX # XXXX 120 day late payments, XXXX XXXX 60 day and 30 day late payments, XXXX XXXX 5 30 day late payments 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 2022-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Neon Newco Corporation (VA)

On XX/XX/XXXX XXXX transactions were made to XXXX XXXX. One transaction was for XXXX and the other transaction was for XXXX. The XXXX transaction was made in error so I reached out to XXXX the very same day and ask if they could reverse the {$420.00} charge. XXXX reversed the charge and sent it back to Netspend. I opened up a dispute with them as I was directed to do as they said the money wasnot sent back. Claim number XXXX. Netspend refunded XXXX on XX/XX/XXXX but didnot refund the additional XXXX. That is a total of XXXX which was what I disputed. I call them several times and was unable to get a resolution. They passed me around each time and it seemed they didn't have any notes in their systems. I let them know that I was not going to open another claim as this was their faults. If they look at the account, they would see two seperate transactions happened on that day to the same company. Im disputing the second one for XXXX. They are adding the XXXX ( which they refunded me ), but they have not refunded me the additional XXXX which is a total of the XXXX which I disputed.
Consumer complaint received 2022-11-07
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. (OH)

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 a account without my written instructions
Consumer complaint received 2022-04-19
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. (TX)

I have contact Equifax over 5 times about an inaccurate account that is not mines but yet they have it reporting to my account. THE FCRA Law states all information should be true and accurate! They have yet to remove this account off my credit report nor have they been able to provide proof of this account being mines. This account is not mines and there is no such knowledge of this account this is why they cant provide proof. THe law states all information should be accurate. Please remove the account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX is not my account
Consumer complaint received 2022-04-19
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 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 connot furnish an account without my written instruction.