davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
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. (AZ)

Inaccurate information is being shared and displayed as factual without my verification or permission ( 15 U.S. Code 1681b ) P.L 90-321 ( 82 Stat. 146 ) As a consumer, I am writing to inform you that I am revoking any and all consent to you, as consumer reporting agencies, to furnish my personal information. This is in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ) and the policy of Congress ( 15 USC 6801 ) to respect the privacy of consumers and protect their confidential information.

I have the right to make sure my private information is not shared without my written consent, and I have not given such consent. Furthermore, I have not been informed of my right to exercise my nondisclosure option under 15 USC 6802 ( b ) ( c ). The account you are reporting is an adverse item and is being reported without my permission, which is against the law ( 15 U.S. Code 1681c ( a ) ( 5 ) ).

I am also requesting that you maintain reasonable procedures, as required by 15 U.S. Code 1681e, to avoid reporting inaccuracies and limit the furnishing of my information to authorized purposes.

Considering the above, I am exercising my right to opt out of your reporting services, as per 12 CFR 1016.7. I request that you take immediate action to remove my information from your records.

Thank you for your understanding and cooperation.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MI)

In XX/XX/XXXX, I opened a " Miles and More '' credit card with Barclays bank. They told me that if I spent {$3000.00} in the first 3 months, I would get XXXX XXXX miles with XXXX. That is the ONLY reason I opened the card. I was on target to meet the minimum required spend and spoke with them several times about this. I called them on XX/XX/XXXX because my records indicated I spent over {$3000.00} and I wanted to confirm this with Barclays. They told me that I did indeed meet the requirement and that I would see the XXXX XXXX XXXX in my account the next day. I was excited! Well over a month went by and I never saw anything. I called them again on XX/XX/XXXX and they told me that I did not meet the minimum {$3000.00} spend. I was so upset. They had no record of the call that I made to them on XX/XX/XXXX! They created case # XXXX for me and told me that someone would follow up. No one ever did. I called back on XXXX and they told me they had no record of this case number. I am furious. I feel like I was mislead from the start and lied to along the way. I can't believe Barclay 's has no records of my calls to them. I know that I met the minimum spend and I feel I deserve the XXXX XXXX. I don't even want this card anymore and they've charged me an annual fee..
Consumer complaint received 2020-03-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

On or about XX/XX/XXXX, PNC Bank ( PNC ) put a hold on important funds {$4200.00} saved from Social Security checks of my late mother. I was her Representative Payee until her death on XX/XX/XXXX, and the funds came from a checking account {$2200.00} and a savings account {$1900.00}, which amounts were combined into one checking account on XX/XX/XXXX. On XX/XX/XXXX PNC withdrew {$19.00} to pay for printing a book of checks. On XX/XX/XXXX I deposited {$10.00} in the account to keep it active. A pending status was placed on the account on XX/XX/XXXX. The hold prevented my giving the saved benefits after death to the legal representative of the estate, a court appointed Administrator. PNC prevented access to the funds thus interfering with plans of the ( primary ) executor designated in the Last Will & Testament to  pay outstanding medical bills incurred during her care with the funds and forwarding any remaining amounts to the ( primary ) executor. PNC refused or failed to disburse the funds to the attorney for the estate in the fall of XXXX and/or to the Administrator in XX/XX/XXXX. 

PNC has not allowed the account to be closed because of the pending status. PNC has continued to control the funds denying the estate investment opportunities to earn interest at the prime rate therefrom.
Consumer complaint received 2023-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

I contacted I.C. Systems in XX/XX/XXXX to validate a debt that according to my report had been there since XX/XX/XXXX. I had not received anything from I.C. Systems before this account was placed on my report. I did not receive any validation. I contacted them again in XX/XX/XXXX asking for validation for a 2nd time. I.C. Systems sent me a " communications are ceased '' letter on XX/XX/XXXX claiming to honor my request to cease communication. However, No request was made. I requested validation and proof that I owe this alleged debt and that was not provided. I've sent letters to XXXX, XXXX, and XXXX, asking for this debt to be properly verified. All 3 bureaus claim to have verified the debt with I.C. Systems but I have not received anything but a bill from I.C. systems. I asked that they provide their method of verification but it hasn't been provided.
Consumer complaint received 2023-02-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Request for Assistance in Removing Incorrect Information Credit Report. 

I am writing to : XXXX. Requesting that you investigate USAA practices on which households ( by race and zip code ) they granted XXXX XXXX forbearance. 

XXXX. Your assistance in removing late payments from my credit file as reported by USAA Bank. In XXXX of 2021, I notified both USAA and XXXX XXXX of a financial hardship because of XXXX. XXXX XXXX promptly replied and placed my accounts in forbearance for ( 3 ) months, then an additional ( 3 ) months. I contacted USAA via phone and letter requesting the same XXXX forbearance request. My account was in good standing and my credit score was over XXXX. Even though USAA had also posted on their website for members to contact them if they were experiencing a XXXX financial hardship, I was treated with very unfairly. Instead of working with me during the hardship, USAA reported late pays, threatened a short sale or foreclosure. 
After contacting XXXX XXXX in XX/XX/2021, USAA finally agreed to modify my Loan. I returned to work in XX/XX/2021 and able to resume payments. 
I believe USAAs reporting is inaccurate and damaging to my credit score. I have tried to resolve this issue with USAA, but they have been unfair. I am now turning to you for help. 
I would appreciate your assistance in investigating this matter and taking appropriate action to correct the inaccuracies on my credit report, as reported by USAA. I have included all relevant documentation, including my original request for XXXX forbearance and my load modification agreement. 
Thank you for you time and attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-02-06
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. (GA)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, Experian, and XXXX did not modify or remove anything. 

So I asked for the description of the investigation according to XXXX XXXX XXXX. I still didn't receive anything. 

The following accounts are the ones being referenced for the above-stated issue. 

XXXX XXXX Acct # : XXXX XXXX XXXX  XXXX Acct # : XXXX XXXX XXXX. 
Acct # : XXXX XXXX XXXX has also already sent me a letter ( Attached ) stating I am not responsible for the debt referenced above, yet neither Experian nor XXXX want to comply with this information I've submitted ( along with the required identity verification documents ) NUMEROUS times. I do not understand why I am having to repeatedly battle an account I keep proving time and time again does not belong to me and is the direct result of identity theft.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Upstart Holdings, Inc. (GA)

On XX/XX/XXXX, Upstart used my credit card without my authorization. Under 15 USC 1602 ( l ), a credit card is " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' When I applied for a personal loan with upstart, I gave them my credit card information so they could use my preexisting credit and equity to finance an extension of credit, and I was denied. This is a clear unauthorized use of my credit card and an act of fraud. Under 15 USC 1602 ( p ), " unauthorized use '' is use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I received no benefit for the usage of my credit card information in Upstarts application for personal credit. Under the Emergency Banking Relief Act of 1933, the people in the Nation are the creditors to every dollar in circulation. Therefore, there is no excuse for a denial of credit as a XXXX  citizen and consumer. I am exercising my right to credit and asking for the denial to be reversed.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

My account started having unauthorized transactions and even someone tried to deposit random large amounts of money on it which caused wells fargo to close my account. Then they changed the password so i cant even access my account. I never got real help either.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

My rights under the Fair debt collection practices act as well as the fair debt collection practices acts have been violated by these companies in the following ways : 1. ) 15 U.S. Code 1681C ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
2. ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

3. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. And they do NOT have my permission to put this on my report.
Consumer complaint received 2020-03-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

Upon reviewing my credit report, National Credit adjuster is trying to collect a debt that has been sold by another collection agency name XXXX XXXX  that I already disputed this via certified mail in XXXX of 2016. XXXX XXXX collection agency deleted the said collection from my credit report since they can not prove that the debt belongs to me. then 4 years later national credit adjust tried to collect the same debt of which I do not owe. I have requested proof of signature to show that the debt belongs to me and to no avail have not receive anything from national credit adjuster. I would like for this deragotory remark that national credit adjuster placed in my credit report from all 3 CBs removed since they can not prove that this debt is mine and it violates FCRA
Consumer complaint received 2020-03-10
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. (CO)

There has been 3 main issues with XXXX XXXX Initially they did not have a phone number to call and fix my payment issue. 

When I finally got a hold of them they put in my payment info in incorrectly I paid it off in XXXX and they continued to put additional lates on my credit after balance was paid off Because of the issues above they have put lates on my credit report and they need to be removed
Consumer complaint received 2020-03-10
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (MN)

XX/XX/2020 I proceeded to call iq data international inc to see what other arrangements I can make since I did not have enough funds for the payment due on XX/XX/2020. XXXX XXXX Had been the one to pick up my call. I nicely explained I was looking to start payments on a new date since I didnt have the funds available. She began getting rude and raising her voice to me. asking me if I wanted the account to affect my credit and Yelling at me saying why I didnt call if I knew I wasnt having the funds and I tried to get a few words in to explain I made too many arrangements on credit cards I was working on paying back and she was demanding me to pay with the cards and I tried to tell her that I cant Because theyre maxed. She began belittling me even more, bringing up my income and saying I should be able to pay. Not knowing the other bills and creditors Im also trying to pay. With all the emotional distress she was causing me. I did not hang up because I knew the issue of my payment arrangement needed to be solved. I requested a supervisor. the representative after did not acknowledge anything that happened with his coworker and I but at least he tried to get me more time and did not yell or belittle me. 
As my job XXXX XXXX XXXX XXXX having to follow federal rules and regulations, I did not think it was possible to be spoke to and treated the way I was.
Consumer complaint received 2020-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

I'm not originally from this country. I've had my identity stolen about 3 times. I pride myself on being a responsible consumer. There are some others that want to take short-cut to get there. I've asked for my account to be validated by Midland Funding LLC for the past 2 years, and all I get are statements with the account number blacked out. They sued me in 2018, and they didn't even have the decency of showing up. The judge told me that they can come back after me again. Surprise they sued me almost a year later. The case is a waste of time, but I don't want a default judgment. I've asked for contracts with my signature, and all I get is signatures. I sued Midland Funding LLC for violating the law. This is a big mistake on their part, in no way do I have an agreement with this company. The funny thing is they sent me someones lawsuit with address, and private information. If this is the best they can do I'm really afraid of how someone can just file a lawsuit against anyone. Especially if the consumer has no clue who you are. Or even if you don't have substantial proof. Whatever you do please fight these clowns. They might use intimidating tactics to try to get you to settle. Like in my case, they call me up to 20-25 times a day. Attempting to kick my door down and gain entry to my home on a w weekend night. Also sending me lewd photos of XXXX woman from the area code ( XXXX ). Even when I have a XXXX area code. How can they seriously get away with this? Midland Funding will do anything to get a {$1.00}. SO PLEASE FIGHT BACK.
Consumer complaint received 2020-03-10
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: MoneyLion Inc. (CO)

There has been 3 main issues with Money Lion Initially they did not have a phone number to call and fix my payment issue. 

When I finally got a hold of them they put in my payment info in incorrectly I paid it off in XXXX and they continued to put additional lates on my credit after balance was paid off Because of the issues above they have put lates on my credit report and they need to be removed
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I called XXXX XXXX ( BG ) on XX/XX/XXXX to renew my annual pass. I paid {$210.00} for my renewal. No problem or so I thought. The next day I checked by XXXX account and noticed that I only had a pass for XXXX not XXXX and XXXX XXXX like I previously had. I called the next day to get the issue corrected. The call was disconnected before we could correct the issue. I called back again the next day. During the initial conversation it didn't see as thought XXXX would correct the issue and I told them I was filing a dispute with my credit card company and did so while I was on the phone with them. After about an hour or so on the phone the representative said they would get my pass fixed to the two parks, but it would take about three weeks. I was hesitantly satisfied with the resolution, but canceled my dispute. Come mid-XXXX I check my account to see how things are going and low and behold I have no pass at all. I called XXXX again. I inquire about my resolution and about a refund at this point again because of the not being able to use the pass for time that I paid for. The supervisor then informs me that they will do nothing. I am now left with XXXX pass after paying for yearly pass less than one month after purchasing said pass and never using it. 
On XX/XX/XXXX, I filed a XXXX  complaint against XXXX. During back and forth emails with XXXX they claim that they issued a refund on XX/XX/XXXX. I forwarded the email from the merchant to the creditor on XX/XX/XXXX. The creditor responded with a letter dated XX/XX/XXXX it states, We previously disputed this charge for you and we took the funds from the merchant. Per their admission they returned the funds to the merchant. At no time have they ever claimed to have returned the funds back to XXXX XXXX XXXX XXXX XXXX XXXX. I have repeatedly requested the date that they funded the merchant and the creditor refuses to provide this information. I believe they have taken the money from the merchant while keeping the charge on my account. 
XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) sent me their copy of the return of my funds on XX/XX/XXXX. I forwarded that information to the creditor with a request for when the funds were returned to the merchant. The creditor issued a letter dated XX/XX/XXXX stating they have not received a credit from the merchant and a threat that they would penalize me with the credit agencies even though my account has always been up to date and paid in full at every due date.
Consumer complaint received 2020-03-10
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. (CO)

There is a XXXX XXXX XXXX credit card on my credit report. Fraudulent charges were made to the account. The account is older than seven years and I want it removed from my report.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Account name ; XXXX XXXX XXXX. 
Account number : XXXX XXXX : Collection account. 
Amount : {$630.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX Status : Collection account. 
Amount : {$280.00} -- -- I never applied for this and I never lived at XXXX XXXX. I do not know where this apartment is, this is not mine and this is fraud Account name : XXXX XXXX XXXX  Account number : XXXX Amount : {$700.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX  XXXX Account number : XXXX Amount : $ {$640.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name XXXX XXXX XXXX Account number : XXXX Amount : {$2100.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX XXXX XXXX XXXXXXXX Account XXXX Amount : {$2800.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account : XXXX XXXX XXXX  XXXX Amount : XXXX -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Inquires are not mine and this was done without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX