davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

For your consideration, All three credit bureaus have incorrect information listed on my credit report pertaining to previous employers. Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves black box algorithms which filter according to categories such as names of previous employers.

Such black box algorithms are hidden forms of stigma and discrimination on the part of lenders and other companies reviewing my credit. To protect my right to privacy from these and other unethical forms of practice until these come under greater regulatory scrutiny please remove from all of my credit reports mention of previous employers in accordance with the Fair Credit Reporting Act.

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 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.
Consumer complaint received 2020-12-16
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: WELLS FARGO & COMPANY (PA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, WF CRD SVC, on XXXX XXXX, 2020, XXXX XXXX and on XXXX XXXX, 2020, XX/XX/XXXXadd a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-10-24
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. (IL)

As a victim of identity theft, in XX/XX/XXXX, the Federal Trade Commission issued me a recovery plan to follow step-by-step. The plan directed me to send a copy to Equifax. After equifax received it, they deleted the item. 
This item that they deleted, had appeared in XX/XX/XXXX without any notification by equifax as required by the law. I sent them a protest letter that they failed to notify me. Equifax responded that they completed the investigation and they verified it belongs to me I obtained new identity theft report and sent it equifax. On XX/XX/XXXX equifax deleted the item. This item reappeared for 2nd time without any notification by equifax as required by the law.

Since then I sent 5 additional letters, begging, requesting, asking equifax to provide me the description of the procedures used to verify this item. In addition, the attached letters here show that the information regarding this account have been changed and equifax is reporting them with different value, such as date when was open, 1st delinquency, date of last payment etc. The date when was closed is missing and this makes the account incomplete. Equifax have been notified multiple times of these errors and they are aware of these errors. 

So far, equifax have not responded to my letters how did they verify this belongs to me, why they are keeping this account in my file, knowing the fact that it is incomplete, and why does this account is now reported with different values from what it used to be before.
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2018, I applied fir a Capital One credit card and was approved for a Card with a {$300.00} credit limit. The Capital One employer told me that only 1 inquire will be apply to my credit report. But that was not correct ... Capital One summit 3 inquiry and pulled my credit with unauthorized inquiry. I only authorized them to pull my credit report 1 time. I tried 3 month to resolve them matter with Capital One but they keep telling to Dispute it with the XXXX, so I did it. I summited a Dispute with XXXX them to tell me that they dont do inquiry Dispute, which is not true. They are 2 inquiry dating on XX/XX/2018 and XX/XX/2018. These inquiries are effecting my credit score bad and negatively.
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: AMERICAN EXPRESS COMPANY (NY)

I called American Express on XX/XX/2018 because I was unable to make payments because of their system. 

When you add a new bank account, it is probationary ( but not mentioned that it is ) for 30 days and their system only allows you to make limited payments. Because I was unable to make payments with their banking system, my credit card became over the limit which negatively affected my credit score.

I called their customer support who stated that they were unable to help me and that " everything looked fine from their end '' and my account was not delinquent. 

I have been an American Express customer for 7 years and have never had any previous credit cards enable this restriction on bank accounts.
Consumer complaint received 2022-07-24
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. (MI)

In accordance with the Fair Credit Reporting Act 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 customer Reporting agency cannfurnish a account without my written instructions.
Consumer complaint received 2022-06-20
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)

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, Never gave the following Consumer Reporting Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, nor TransUnion LLC, the written instructions to furnish the information for Inquiries in the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681s2 ( 6 ) ( A ) ( B ) A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. The Credit Reporting Agencies shall be fined {$100000.00} ( Per Violation ) for non-compliance under the Gramm-Leach-Bliley Act if you fail to comply and remove the items mentioned above.
Consumer complaint received 2022-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

In early XXXX of this year, I arranged to sublet an apartment in New York from XXXX XXXX, which involved a digital payment of the {$2500.00} deposit. We discussed whether to transfer those funds through XXXX or Venmo, and XXXX indicated that he highly preferred that I use Venmo. I would have preferred to use XXXX because it is integrated into my financial institution 's website, XXXX 

However, I agreed to make the transfer through Venmo, and paid {$2500.00} on XX/XX/XXXX. However, I had inadvertently marked the payment as being " for goods and services. '' XXXX objected to that, because Venmo would take a fee out and because that designation might have tax ramifications for him. So he contacted Venmo and arranged to refund the money, and I agreed to send him the same amount through XXXX. 

On that day, XX/XX/XXXX, Venmo told XXXX that they had issued me a refund, and that I would get the refund in 3 to 5 days. However, it is now 16 days later and despite hours of efforts on my part, the money still has not been returned to my account. 

Most recently, on Friday, XX/XX/XXXX, after having sent Venmo a copy of my most recent bank statement AND several pages of screenshots, I received an email telling me that my case was " being escalated to an Account Specialist who handles these issues. Someone from that team will reach out with the next steps within 7-10 business days via email. '' I wrote back and indicated that this was not acceptable, and haven't heard anything since.
Consumer complaint received 2022-03-07
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: EQUIFAX, INC. (NJ)

Equifax has fail to report dispute results to me in the 30 to 45 day time frame. They have violated the Fair Credit Reporting Act.. I send letters on XX/XX/2022 that they have recieved and still haven't received feedback or any results in the the mail. I have recently sent them a letter regards these concerns. 

XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX. 
XXXX XXXX Account Number XXXX
Consumer complaint received 2018-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Recovery Service Incorporated (LA)

I settled a debt with XXXX through their collection agency XXXX XXXX ph : XXXX. I made payments as agreed upon. Recently I received a mail from a different collection agency ARSI ph : XXXX for the " remaining amount ''. That amount was agreed to be cancelled based on the settlement. I called XXXX and was told to call XXXX because the file is no longer with them. I called XXXX and was told to call ARSI. I called ARSI and was told to call XXXX.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I have reached out to the 3 major credit bureaus, by disputing inaccurate information on my credit reports and I have received no response, in 30-to 45 days, as stated in the FCRA.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (GA)

This company froze my bank account, 1 of them without my knowledge. I receive VA Benefits monthly, and I believe banks are not supposed to be freezing these type of government federal funds as they are protected. I explained that to them. They told me they are not refunding anything. This is illegal. They are returning everything that comes to that account ; how about you return my VA benefits and other money.
Consumer complaint received 2018-05-22
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (SC)

I don't owe this debt because this school closed before I was able to take my test and I had no knowledge of this balance until this account become in collections. I called to see about this debt and the collectors were rude and couldn't explain why this debt belong to me.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (GA)

I have 2 cards with synchrony bank. One is a store Brandsmart Card and the other is Care Credit for medical. Wither respect to my store card initially received XXXX credit limit while making appliance purchases. I made on time payments and within 1 year with my balance @ XXXX this company randomly decreased my credit limit to XXXX which adversely affected my credit and made me incur additional high interest fees with them making my account over the limit. The same happened with the care card. I used it during the pandemic to offset my wife medical bills and was paying on time then the credit limit randomly dropped by XXXX and put me over the limit and I have to pay additional interest fees because of it. Its a shame that while so many creditors were helping consumers during the pandemic, synchrony chose predatory practices detrimental to consumers.
Consumer complaint received 2022-03-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Adjustment Company Incorporated (FL)

I, XXXX XXXX, are reporting Consumer Adjustment CO for FRAUD and aggravated identity theft and for violating the Social Security Act and false and misleading information.

The CFPB, FTC, IRS, needs to investigate them immediately, expeditiously they are frauds!!!!!

This company CONSUMER ADJUSTMENT CO has my social security number and is using it without my authorization, violation to my consumer rights pursuant to 42 U.S. Code 408 - Penalties. I did NOT give them authority to use MY SOCIAL SECURITY NUMBER!!!!!

This company is furnishing my information to all credit reporting agencies and I did not give them permission to they are using my social security number and I did not give them permission to do this is a federal violation to the Social Security Act.

Consumer adjustment CO brought my information/Social Security number from another company ( I dont which company ) however, This is a violation to the Social Security Act and aggravated identity theft pursuant to 18 U.S. Code 1028A - Aggravated identity theft This company CONSUMER ADJUSTMENT CO is committing fraud pursuant to 18 U.S. Code 1030 - Fraud and related activity in connection with computers. They are using their computers to furnish my information using my social security number WITHOUT MY AUTHORIZATION!!! PLEASE CFPB INVESTIGATE THEM THEY ARE IN VIOLATION REGARDLESS OF ANYTHING THEY SAY!! THEY ARE USING MY SOCIAL SECURITY NUMBER WITHOUT MY AUTHORIZATION!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

I WILL GET MY REMEDY FOR VIOLATIONS OF MY RIGHTS BELIEVE ME ON THIS!!!!!!!!!!
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

I have sent several letters to them regarding a bankruptcy listed on my credit report. The information is incorrect all of it. They have stated that the info was verified through the furnisher which is not true they have never contacted them. I have on several occasions asked for the person who contacted the furnisher as well as the person they have spoke with and they have never provided that information to me. The information they are providing is information from a third party which I have also contacted regarding the info. I have since then froze and suppressed my files and the credit bureaus are still stating they have validated. Once again they have not been truthful. I will like both bankruptcies removed from my reports as they are incorrect. My spouse have kicked me and my XXXX children out and left us XXXX atvtuis time I do not have attachments. Due to the false information reporting I have been unable to obtain a place to stay for me and my children. U will like this issue resolved as soon as possible so that I am able to secure a place to live for me and my children
Consumer complaint received 2019-11-09
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. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have ONLY gone by either XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX, my entire life of XXXX yrs. Not XXXX or XXXX XXXX.
Consumer complaint received 2016-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I had to put a new roof on my house last month do to wind and hail damage. I have paid out of pocket for the repairs. I have XXXX statefarm checks for settlement less than what I have paid out. Bank of America 's XXXX web page did not lead me to property claim processing. So I called them. They said go to XXXX which I have for the last 3 days the last XXXX web page unavailable. Before the web page went down there were XXXX more PDF documents to be printed and sent to XXXX XXXX, California for check endorsement. The customer service reviews were horrid. With the web page down I want a local officer in a branch to endorse the checks.
Consumer complaint received 2023-06-13
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. (NH)

I was a victim of fraud and have submitted dispute requests both electronically and by mail. Under the 609 act I have the right to receive documents with my signature as well as all charges. I did not receive the requested information I require this information in order to further investigate the perpetrator that ruined my credit forever.
Consumer complaint received 2018-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX declined transactions cause my card had an old expiration date. so i paid cash for all my transactions. Then capital one paid the merchant after I paid cash to the MERCHANT. i HAVE SPOKEN to 5 people at capital one and no one can explain it. better yet they have never heard of the CFPB. I just want to be made whole. I should have {$180.00} available credit as of XX/XX/18 when I activated my new card Here are all of the names : XXXX, XXXX, XXXX, and XXXX ... .. of course no last names as of XX/XX/XXXX i had an available balance of {$180.00} now on XX/XX/XXXX I am being told my available balance is {$7.00} No one that I spoke with can explain it.. this is fraud. A financial company can't decline a transaction and then fund it weeks later.
Consumer complaint received 2016-03-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My mother had a line of credit mortgage with Bank of America mortgage on a manufactured home in a park in XXXX XXXX California. The loan was paid in full in XXXX when it was refinanced into another loan on a home in XXXX California. My mother has passed away since that time. 
Bank of America did not return the title to the manufactured home although they sent an unsigned letter stating the loan was paid in full. 
The home is involved in a lawsuit in XXXX XXXX and we must have the released title from Bank of America or at least a signed letter showing it is paid in full, however continued contact with BoA has so far been fruitless. The first two contacts by fax ( their choice not ours ) were ignored. The last contact by e-mail and responded to by fax has so far been, as near as we can tell, also ignored after the confirmation of receipt. 
It is impossible to contact anyone at Bank of America that deals with the release of titles for manufactured homes. We have been transferred hand hung up on so many times, I have totally lost count. The last time was with the Mortgage Customer Service ( I think ). The e-mail address of the supervisor is : XXXXXXXXXXXX. Was never able to get them to give us a phone number to contact. Person we dealt with there was XXXX. Reference # XXXX The most recent contact was on XXXX XXXX, XXXX but this has been going on for well over two months. We have given them all of the information requested plus more but it seems as if we are whistling in the dark. 
Any assistance you can give us in getting Bank of America to expedite this request would be greatly appreciated. 
XXXX XXXX daughter of XXXX XXXX. 
BoA loan # XXXX ( they ca n't find it )