davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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. 

I told Experian, XXXX, and XXXX to reinvestigate these 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX - XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 
The FCRA
Consumer complaint received 2024-05-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NC)

Unathorized charges, Fraudulenty Opened and no knowledge of accounts, reported fraudulent to ftc.gov and identity theft.gov, and disputed multiple time with credit beaure company keeps reopening this acct like it is new, and illegally reported it multiple times. I repeatedly report it as fraud and I am not getting anywhere, according to credit report I owe {$790.00}, i never received a card, merchandise etc. I have been out of nevada for 7 years I was at United States XXXX XXXX at XXXX XXXX since XXXX XXXX XXXX  went to station in XXXX XXXX XXXX  since XX/XX/XXXX until XX/XX/XXXX and XXXX XXXX XX/XX/XXXX to current XXXX. XXXX  reported this opened in XXXX which was false due to i have XXXX since XXXX.
Consumer complaint received 2021-03-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IL)

Over the course of less than 30 days, I was charged {$130.00} for four overdraft fees by Chase. When I asked that any or all be reversed, I received a message advising that they can not reverse any fees but suggested that I avoid fees in the future by making more deposits?? 

First, {$34.00} per single overdraft is excessive and should be reconsidered and reduced. Not only because we are in the middle of a pandemic, but because it seems usury in general. 

Second, deposit more money is an extremely tone-deaf response. Thank you for letting me know that you will charge me LESS in fees if I simply have more money. If this isnt taking advantage of low balance customers, I dont know what is.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed the accuracy and information on my credit report for bankruptcy. Both Transunion and XXXX told me that this information was verified with the courts but the information was untrue. I received a notice from the courts that they do not report to any credit reporting agency. I have attached the notice from the courts. Also, the name on the document from the court is not my name. I want both of these credit agencies to remove this from my credit file.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act : 15 USC 1681 Section 602a States I have the right to privacy.

15 USC 1681Section 602a Section 2 states that a consumer reporting agency can not furnish an account without my written permission. 

XXXX XXXX  XXXX # XXXX This item is reporting a late payment during which time i was in a extension
Consumer complaint received 2021-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (WA)

Was contacted in MidXX/XX/XXXX from the Fair Collections & Outsourcing ( FCO ) of XXXX XXXX regarding a debt owed to the XXXX XXXX XXXX at XXXX in New Jersey for he amount of {$8000.00}. 

I have never been to New Jersey and sent FCO a letter in XX/XX/XXXX that stated this was not my debt and to send me what proof they had. 

They send me an apartment lease not signed by me and a list of late payments not with my name on them. 

FCO then said they wanted all of my personal information to make sure they had the right person. I did not send they my personal information because that is a scam. 

They have since continued to mail me letters stating I own this debt to them. 

On XX/XX/XXXX I received a call from XXXX, a man named XXXX XXXX answered telling I owned him money and to prove it was me. I provided my name, DOB and last 4 of my SSN to him. He then provided no other information other and it was me that he wanted. 

I told him it is not my debt, he told me I needed to file a fraud report.
Consumer complaint received 2021-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (CA)

I rented an apartment from XXXX for one year. XX/XX/XXXX - XX/XX/XXXX. Upon move out they kept my deposit and charged an additional {$700.00}. I never knew what the charges were for, and when I called the office because I had gotten a notice that it was in collections they would not talk to me. Now IQ Data is reporting as a collection, when it was never validated. I requested for receipts and proof that they did not replace carpet in all units upon move out, and I never received anything. I do not feel the charges are legitimate.
Consumer complaint received 2021-03-12
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. (AZ)

XXXX XXXX  has very old missing payments where I didn't received a bill and didn't know it was due. Payments were made and closed the account. The late payments are 5 years old happening in XXXX of 2016 and then again in XX/XX/XXXX 2016. This is 5 years ago and I have been in good standing with them every since. Not planning on using them again and my credit score has suffered for 5 years. Please consider removing this LARGE negative impact due to their mistake.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATION OF MYNAME. MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX OHXXXX. SS XXXX XXXX. I have already done a dispute and I was told that I was not the one filing the complaint???? 
PLEASE DELETE THE FOLLOWING SS THEY ARE NOT MINE XXXX, XXXX, XXXX. PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

It was a recorded call from XXXX XXXX XXXX XXXX at XXXX saying I could get 18 months interest free. I pushed one to speak with a representative. I ask who was calling, he responded Capital One Credit Card. I told him I had no busy with them and asked to be removed from their calling list. He asked if I had no business with Capital One? I said no and again asked to be removed from their calling list. He told me NO. I said ok and asked to speak with his supervisor. Again he told me NO. I reinterated. He said NO and I hung up.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

As of XXXX XXXX, 2022, Bank of America closed my account without any indication. I had deposited a check the week before and they never told me they were closing my account. I have been patiently waiting for them to refund me the owed money, which would be about {$5600.00}. 

Called XX/XX/XXXX asking the process and was told that a cashiers check would be mailed out by the following week. The review process was basically ending that day on an account that was seemingly closed, which it wasn't yet. Called on XX/XX/XXXX to see where the location of my refund was and was told that the account was still in process of review, over a month after they said my account was closed. They said the process will be done today, XXXX XXXX. I see no trust or believe this at all. 

They have held my money for over a month on an account they said is closed, but isn't closed, yet I can't go into a physical bank and withdraw it.
Consumer complaint received 2021-03-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Regarding our 2nd mortgage that was sold to the SLS company years ago which they have not sent a mortgage statement for years and we have not made payments for about 8 years or more. Now we are receiving statements and we submitted 2 mortgage relief applications last year in which they lowered the interest but asking a big lump sum payment of about XXXX as a down payment. They keep sending letters with all our options to give them a call so we tried again the 3rd time and got the same option this time they said congratulations we have approved you for mortgage relief option but have asked now XXXX ( Please see attachment ) which we do not have the amount they are asking for. We are reaching out to your bureau for assistance in negotiating with them that is affordable. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MA)

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.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-03-18
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 15 USC 1681. 

Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 2021-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

I now have reason to believe that I may have been scammed out of some of the money I have been sending to an online person. This involved 3 separate transactions, one of which I actually was refunded for ( {$300.00}, Sent XX/XX/XXXX, refunded on XX/XX/XXXX ) which is good. The other 2 I know I will not be however ( Both Sent on XX/XX/XXXX for {$40.00} and XX/XX/XXXX for {$50.00} ). All transactions went through PayPal. 

The reason I believe this could ultimately be a scam is because of this person wanting that {$300.00} that was refunded to me sent back to a different account using XXXX. XXXX did flag this transaction as a possible scam, which I ended up not sending. This now has me questioning this person entirely.
Consumer complaint received 2021-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I am AGAIN submitting documents showing that XXXX, on page 19 was listed and discharged in Chapter XXXX bankruptcy. 

I have been told that student loans do not get discharged under bankruptcy, however, that is NOT the case. There are special circumstances, such as mine, were there is a hardship and they DO get discharged.

I have attempted to contact NUMEROUS people about this. I was SEVERLY injured. We lost EVERYTHING in 2018 due to my inability to work. I have had XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my XXXX XXXX XXXX XXXX, have been XXXX for infections for weeks on end, almost XXXX XXXX XXXX, may NEVER walk again, have had two XXXX XXXX. 

Due to the hardship of my case, ALL DEBT was discharged, INCLUDING ALL STUDENT LOANS. I would NEVER be able to repay.

NOW, I have not 1 but 2 companies, reporting and listing late payments on the SAME debt, making it appear as if I have MORE credit than I have, that I have MORE late payments and that I OWE. 

I DO NOT know how to make things any more clearer to ANYONE. I have sent photographs, records, ALL the information and STILL, I get back .... ACCURATE!! 

HOW CAN XXXX, a company who BOUGHT A DEBT FROM XXXX, report the SAME DEBT and yet XXXX is CONTINING TO REPORT THAT I ALSO OWE THEM???? 

SEE ALL ATTACHED DOCUMENTS.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION (NJ)

Truist Bank closed my credit cards without any explanation whatsoever. I was approved for XXXX different credit products from them. I went to the branch and showed my ID because I applied online and they had a block on the account until I provided my ID. The block was released and I was able to use my cards. A month later, I was not able to use any of my cards at all. I kept calling customer service and they kept telling me a special department was handling it and they were evaluating the relationship between Truist and myself. They also said I would receive a decision/letter on the status and I havent received anything. This was 4 months ago. I feel like Truist has discriminated against me because of my gender and race. This type of behavior is unacceptable! 
The account in question are XXXX. XXXX, XXXX. XXXX, XXXX. XXXX, XXXX. XXXX I was even discriminated against when I opened a business account, I was approved for a line of credit and then out of no where, it was closed. This is after I signed paperwork and it was funded to my account.
Consumer complaint received 2021-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In the fall of 2020 Capital One switched the type of checking account that I have. Since the change over my direct-deposits are not credited in the timeframe that they have been in the past ( theyve excluded Saturday postings and credit funds on Monday ). 

Additionally I have been subject to fees and charges that were nonexistent with the previous checking account. In fact Ive made more customer service phone calls since the switch then I have in the combined years that Ive been a customer. 

Lastly I reported a unauthorized charge and was promised a provisional credit for a case that was ruled in my favor only to have it retracted and an overdraft fee charged. 

Its my belief that they switched my account to make more of a profit.
Consumer complaint received 2021-03-13
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)

I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THIS ACCOUNT TO MY CONSUMER REPORT!!!!! 

XXXX, TRANSUNION, XXXX  ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

IM A PROTECTED CONSUMER AND KNOW MY RIGHTS!!!!!!
Consumer complaint received 2021-03-13
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. (TX)

XXXX is the original complaint that I've submitted and was told they can't respond because someone else is on the the account. I'm having major issues with them just sending a default response. Can someone please look up the previous complaint I've been attempting to get documents from them since XXXX and they still can't provide it.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/XXXX : Open checking account with SunTrust using promo code XXXX. The terms is " Earn {$200.00} for opening a new SunTrust Essential Checking account. Then, within the first three full months after opening the account, complete at least {$500.00} in Direct Deposits*, per statement cycle, for two consecutive cycles**. '' ** Activity included on a partial statement will not be evaluated. The first 3 full statements will be evaluated for the Direct Deposit qualification. 

I have received 3 statements so far : The first statement is from XX/XX/XXXX to XX/XX/XXXX : In this statement period, I have direct deposited {$1600.00} twice. 
The second statement is from XX/XX/XXXX to XX/XX/XXXX : In this statement period, I have direct deposited {$1600.00} twice. 
The third statement is from XX/XX/XXXX to XX/XX/XXXX : I did not direct deposit in this statement period. 

Based on the above, I fully believe I satisfy the requirement of " within the first three full months after opening the account, complete at least {$500.00} in Direct Deposits*, per statement cycle, for two consecutive cycles**. '' My first and second statement both has direct deposits. 

However, SunTrust claimed that I did not satisfy the requirement by not making any direct deposit in the third statement. This does not make any senses because the offer only requires Direct Deposit for two consecutive cycles within the first three full months. SunTrust disqualifies me for the {$200.00} bonus
Consumer complaint received 2021-03-12
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. (TX)

I purchased a phone from XXXX on XX/XX/XXXX. The item received was not what I ordered and I immediately contacted XXXX about this. They told me to return the wrong item I received which I did and have tracking proof of. Then XXXX told me because I returned the wrong item that I will not receive a credit and that I will not receive a refund despite them telling me previously that after 7 days of receipt of the wrong item that I will receive a refund of approximately {$860.00}. 
I contacted citi to file a dispute on XX/XX/XXXX. Despite this quick dispute because I had been deprived of a refund, CITIbank drew this dispute out for months, even past the new year! I have last heard from them on XX/XX/XXXX how the time limit has passed so they can not continue with this dispute despite CITI taking all the time in the world to not get me a resolution. I have returned the incorrect product I received, yet I have been deprived of a refund.