davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
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. (TX)

In accordance with the Fair Credit Reporting act these companies below violated my rights. 

XXXX, XXXX / Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX / Account # XXXX XXXX XXXX / Account # XXXX XXXX Account # 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 XXXX ; It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

I have sent EXPERIAN and XXXX  5 letters disputing an charge off in the amount off {$3300.00} from XXXX  XXXX. Experian and XXXX  did not verify the accounts according to Federal law nor supplied me with any copies of Original contracts with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and did not delete the unverified information on my credit report.
Consumer complaint received 2018-10-01
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. (FL)

I received an alert email from XXXX XXXX advising me that there was a change to my Transunion credit report and a credit inquiry was sent by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2018. I have not applied for any new credit cards. I contacted XXXX bank and they told me they did not see any recent applications. They advised me to call XXXX. I called XXXX and they could not help either so they asked me to call Transunion. I called Transunion and they could not help me either. 
I would like to try to get a hold of the XXXX ( XXXX XXXX XXXX XXXX ) but there was no phone number. I would like this inquiry taken off my credit report and I would like to prevent them from approving any account opening under my credit information.
Consumer complaint received 2018-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc. (CT)

N.A.R claims I owe {$1000.00} to XXXX XXXX. This account was paid off at one point, I do not have the exact date account was paid off, however, fraudulent charges were made on it thereafter. I was unable to resolve charges with XXXX XXXX I was paying on the account via auto-pay for several months despite the fraud activity, XXXX XXXX chose to close account and discontinued my auto-pay, sent account to a third party collection agency by the name of XXXX XXXX. I believe they sold account to N.A.R realizing the fraud activity and failure to collect on it. Please advise N.A.R I refuse to pay for charges I did not authorize, this consists of the entire balance which I already paid part of, despite fraud.
Consumer complaint received 2022-06-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (AZ)

I have been undergoing loss mitigation and was set up on a trial plan. I was to make XXXX payments under this plan on XXXX XX/XX/2022, XXXX XX/XX/2022, and XXXX XX/XX/2022. When I attempted to make my payment for XXXX, I was told I could not make the payment, becasue the trial plan agreement had been broken, because I made the XXXX Payment on XXXX XX/XX/2022. I am being penalized for paying early.
Consumer complaint received 2020-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (FL)

have a paypal account for online payments for me unfortunately I was a victim of phishing and the theft of my data from my card and my paypal account and made several unauthorized payments by me for amounts of XXXX $ and to the issuing bank of my card I recognized a part of these payments I demand paypal to recognize the rest of these payments that I do not authorize for an amount of XXXX $ because the XXXX  XXXX XXXX recognized me XXXX $ giving a total amount of XXXX $ and the complaint was presented to paypal and the XXXX  XXXX XXXX waiting for a solution and recover this money immediately
Consumer complaint received 2019-11-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (OH)

I visited XXXX XXXX emergency room in XXXX XXXX, Oh. During registration the wrong insurance id number was documented. They were supposed to use my XXXX number. I contacted my insurer and was told I was covered and should not have been billed. I gave the correct information to XXXX XXXX billing department about six months ago and they still have the debt reporting to a credit agency First Fed Credit Control and on my file. I would like this payment deleted.
Consumer complaint received 2022-12-14
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. (GA)

REACHED OUT TO XXXX, XXXX, AND TRANSUNION IN A XXXX OF XXXX TO DISPUTE VIA PHONE OR ONLINE TO HAVE THIS REMOVED AFTER BEING DENIED FOR A HOME A PROVIDING PROOF THIS IS INACCURATE REPORTING AND THIS INFORMATION WAS NOT FURNISHED BY THE COURTS. THEY CAN NOT TELL ME HOW THIS WAS PROVIDED AND WHO GAVE THEM THIS INFORMATION SO, THIS SHOULD BE REMOVED.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section XXXX ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person ....
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. (IL)

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.

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 2022-06-01
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. (GA)

In accordance with the Fair reporting Act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
*15 U.S.C 1681 -Procedure in case of disputed accuracy section 2 ( A ) section 5 ( A ) *15 U.S.C 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies section 8 ( A ) section E *15 U.S.C 1681- Congressional findings and statement of purpose section A ( 4 ) *15 U.S.C 1681b- Permissible purpose of consumer reports section A ( 2 )

*15 U.S.C 1681 section 602 A, states I have a right to privacy. *15 U.S.C 1681 section 604 A s
ection 2, also states a consumer reporting agency can not furnish account without my written instructions. 
I have sent certified letters three times for XXXX, XXXX and Experian to respond verified and updated. You can see from credit report that is incorrect and inaccurate.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section XXXX states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Neon Newco Corporation (CO)

I cancelled my PayPal NetSpend prepaid card due thinking it was stolen and the representative who cancelled the card said " I would get a replacement card '' that never got delivered. I've spent multiple hours and days trying to access my funds from direct deposits from the IRS and my job that were loaded on to that card and they keep telling me that account dos n't exist and card number dos n't exist after they cancelled it. I have documentation, pictures of my card and sms messages showing my transactions and deposits made to that card. the multiple representatives are not helping me with a replacement card or transferring my funds to a new card. Please help me
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was scamed by someone posing as an XXXX care technician that said that my bank account was being charged for service totaling {$3500.00} and that they would have to reverse the. Payments to me by XXXX They were XXXX to trick me to down load and app called XXXX from there they started stealing money from XXXX XXXX a total of {$17000.00} I called my bank which is Bamk of America immediately unfortunately they said that they could not do anything because XXXX is like a cash payment
Consumer complaint received 2022-06-01
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 XXXX XXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

XXXX XXXX XXXX XXXX XXXX XXXX and Carrington Mortgage Services LLC have illegally taken possession of my home and are currently trying to sell it. XX/XX/2022, they were aided by XXXX XXXX XXXX operating under the color of law, in ousting us from our home -- without a legally valid court order. By XX/XX/2022, XXXX XXXX had the locks illegally changed. They somehow acquired a void mortgage from XXXX. When XXXX ( XXXX ) created this mortgage, it was found to have violated the federal False Claims Act and State Consumer Protection law by our US Government. This resulted in heavy fines and lawsuits against XXXX and its related entities. I previously complained about XXXX 's role in Complaint ID : XXXX. Although a series of foreclosure related eviction suits were filed in the name of one of XXXX XXXX voided out businesses ( and later, a transfer agent company ), they denied any connection to the harassing suits. The transfer agent pointed to Carrington Mortgage Services LLC ( See the Response attached ). I filed an FHA complaint in federal court XX/XX/2022. A case status is set for XX/XX/2022 at XXXX am. But XXXX XXXX and Carrington are now moving fast to illegally sell my property. Just this XX/XX/2022, they are illegally removing my personal belongings from the property.
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/2022 I applied for a Capital One checking account but was denied with no explanation. I called Capital One and was told the account opening was denied by XXXX XXXX, a credit reporting agency. When I called XXXX XXXX they also could not tell me why the account was denied. All they could do was provide me a copy of my credit report which I declined. I have an excellent credit rating but I have a fraud alert on my credit the purpose of which is to alert me when anyone tries to open an account in my name. I never received a call from anyone, just the outright denial. That is not supposed to happen and defeats the purpose of the fraud alert. Other times I have tried opening accounts with other banks and was unable to do so but was never outright denied. I can think of no other reason why this account would be denied. XXXX XXXX should not have issued a denial to Capital One. They should have called me. They made a mistake and need to fix it as soon as possible. Additionally, in the denial statement on Capital One 's application page, I was told I would receive a follow up contact detailing the denial. It is 6 days later since the denial and I have received no contact from anyone.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I disputed XXXX XXXX XXXX with the credit bureaus as inaccurate but it came back verified. Under the laws and UCC 9.506 as well as state RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I demanded proof that the XXXX of the subject vehicle and proof of the commercially reasonable manner of the notification and XXXX  of the subject vehicle. IF no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XXXX I applied for a capital one Walmart credit card to receive the 5 % cash back rewards at Walmart .... I have an XXXX credit score and earn close to $ XXXX a year ... All of this is in my application for credit. They approved me for only {$500.00} which is not only very low, but also not conducive to my credit worthiness and income... The credit limit is so low that it actually hurt my credit score MORE THEN it helped by opening this account. You see, typically your utilization rate decreases when your overall credit limit is increased which nets a positive impact on your credit score .... However the inquiry offsets that positive with a negative .... In this case, that inquiry 's negative impact was greater than the positive impact solely because of this incredibly low limit. I tried to reach capital one about it and apparently they can not even find me in their system, i have attached a copy of their letter to me stating this... So no resolution can be found with them under current conditions.

NOTE : I filed a CFPB Complaint about this incident to which Capital One had lied in its reply that they contacted me. CFPB in their infinite wisdom closed this complaint without any resolution ....

If you close this complaint again without resolution or communication I will be forced to pursue litigation as you seem keen on avoiding mediation.
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (GA)

I had Comenity Bank for years and went through tough times. I had a few late payments and missed payments. Most of the time they were accidental late or missed payments because of the amount of cards I had with them and confused the due dates of those cards.My main issue is that they would penalize me for paying down their store cards and it would cause my credit to get worse and they reported a late payment that was caused by their system even though they wouldnt report unless its more than two missed payments in a row. They would constantly lower my credit limit to the current balance after making a large payment or sometimes even lower than the current balance putting me at 100 % or over my credit limit. I asked many times why would they do that if they claim to help with credit and they would always say its based on my credit reports. The issue is that if they are basing their info on the credit reports and they are also drastically lowering my limit after large payments causing those 100 % or over the limit reporting. That would just continue the cycle of keeping my report in a negative status and penalizing me for the negative status that they caused ; by drastically lowering my limit even though, I made a large payment to try to lower my balance and utilization rate. They would even have reasons for lowering it due to high credit usage or balance which they caused. If they didnt lowering the credit limit causing close to 100 % usuage, they would just close the account after you paid it in full. Which again doesnt help anyone whos trying to rebuild their credit since now the credit availability is lower. One of the last straws was the payment system selecting the wrong account causing a late payment on my Lane Bryant store card. They also never reported a payment late if less than 2 months late as long as you make a paymentat least a week before the next due date. It dropped my score XXXX points and even the representative seen the mistake but was not able to do anything about it. I fixed the error as soon as I realized the mistake. It was caused when I changed the amount that I was paying online and it automatically defaulted to the wrong bank account instead of the one that I already had selected in progress.You can review current and future payments. You can edit each payment and I selected to change payment amount of the payment that I already processed. I didnt change the bank, the date, or start the process over. Because of the error, It caused a late fee which the representative immediately recognized the error. This error resulting in a drop in credit score. Because of their practices with lowering my credit limit and increasing my utilization rates. I had to close the last remaing accounts. I was even scared to make larger payments or it it in full because I didnt want them to lower my credit, cause an overage, or close the account after I paid in full.
Consumer complaint received 2019-07-05
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. (CA)

XXXX and Transunion failed to verify the accuracy on XXXX XXXX XXXX, XXXX XXXX XXXX..The accounts are current, paid on time..Please remove the late status from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On Tuesday, XX/XX/2022 I went to the drive thru of the 5/3 bank at XXXX XXXX XXXX in XXXX XXXX, Il. WHile there, I asked the bank teller instead of giving me cash, to please make my withdrawl into a Money order or casheirs check, which ever is cheaper. She said for that I would need to come in, I stated to her that I am on crutches and can not. When I filled out my witdrawl form I clearly marked and signed to withdraw my money from my savings account. 
On Wednesday, XX/XX/2022 I received my bank alert and checking account had a negative balance. Iimmediatley figured out that the bank teller withdrew from the wrong account. I checked my my accounts and the bank teller certainly did withdra my money from the wrong account. After nearly 30 minutes of speaking to another bank teller and I myself ttransferring my money from the savings to the checking to get out of the negative balance, the teller still refused to rectify the situation by returng the negative money that I am now out. However, after clearly stating to him that I will close ALL my accounts, he did admit the teller was in error and they do have the signed withdrawl form with SAVINGS marked. All I want is the money that I now lost because of this bank teller and her error.