davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-12
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: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have someone that was using my name for credit and rental apartments. I recently job more back to XXXX OHIO and discovered the fraudulent account. 
My name is XXXX XXXX. Please delete all variation of my name they are not accurate. The following addresses are not mine please delete they are not accurate. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Consumer complaint received 2020-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I deposited a check for my mom in my checking account in XX/XX/XXXX. She asked me to deposit the check because she didn't have a bank account to do it herself. I agreed. However, I told her I didn't know how long it'd take to clear. ( I was anticipating that it would be clear the following business day as per the bank 's policy. ) But, that didn't happen. I unfortunately deposited the check past the allowed time frame for it to be available in ones 's account the following business ( XXXX XXXX ). Fast- forward -- I gave her back the check and told her to cash it instead if she couldn't wait for it to clear in my account. I was fine with the check being returned. My mom proceeded to cash the check and got the funds. The check had cleared unbeknownst to me the following business day. When I told her, she felt bad that she had cashed it because it had cleared in my account. After a few weeks, the check cashing place, XXXX, had called her and told her the check had been passed twice, and that she owed them the entire amount of check. My mom immediately took her next check and paid them in full. XXXX received payment and the issue was resolved in XX/XX/XXXX. Bank of America NEVER sent me any correspondence regarding the check having ANY issues whatsoever until XX/XX/XXXX. I noticed that my checking account was overdrawn by {$410.00} ( the amount of the check back in XXXX. The difference is {$9.00} because I had {$10.00} in my account before it was overdrawn ). I immediately called them and asked what happened. The lady I spoke with said that I'd have to wait for " it '' to process ... Evidently the check was charged back to my account, so she didn't make any sense. So, I asked to speak to an available supervisor. A guy name XXXX came on the phone and I began to explain the issue. He listened but also reiterated the same thing the last representative said. I told him that XXXX had gotten their money back, so that dispute was corrected promptly. ( I even offered him the number to call them himself to corroborate my story, which he didn't do ). It was a mistake, but everyone got their money, including Bank Of America. Actually, XXXX said the same thing of, " the check was passed twice ), thus my mom had to pay them back. I am upset at the fact that it took 3 months for this to even happen. Why wasn't this brought up a lot sooner, if it were a problem? I am not PAYING a single penny back to Bank Of America because I do not owe them anything. I asked if that could be removed and I was told, " no. '' I am very displeased with how I am being treated. Bank of America should do their due diligence before making such poor business decisions. I can not use my account without having to pay {$410.00}. Grossly unprofessional and sheer negligence.
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (IN)

Third party company has tried to take me to court about debt that I do not owe. In the beginning of XXXX, XXXX an invoice was sent out to LVNV Funding LLC in regards to violations. They responded by sending me documents of debt they claim I owed. On or about XXXX XXXX a debt violation, cease to desist letter, an affidavit of truth, and an invoice was mailed to the company certified with a green return receipt. I am giving them 30days to respond and do what I have asked them to do to clear this debt they claim I owe. The invoice was for {$35000.00}.
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

I had become XXXX XXXX  and sick with XXXX. I XXXX  and couldn't tell what was real and what was fake. I soon lost my job and went homeless and lived in the XXXX and I use all my credit cards to survive. I was homeless and XXXX  for 2 years until my family found me and got me help. I been on my medicine for 2 years and finally feeling like my self again.. I am attaching documents with evidence that I was sick and have XXXX along with a handwritten letter from my XXXX. I am requesting all derogatory marks from the year 2015 and up to remove off my credit report because I could not make financial decisions.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (TX)

I had approximately {$7000.00} on gov. Benefit card and had purchases that I didnt make but more importantly there was 3 bank transfers totaling {$5800.00}. I immediately called bank when I found out trying to buy a XXXX present for my kid and was declined. I filled out their form for the {$5800.00} and was told we would get back to the other charges and it took them 90 days to get back with me and said I either benefited from or authorized the transfers and I requested what information they used to come to that determination. They sent me a copy of the monthly statement. I filed a report with the sheriff dept. here. The statement doesnt tell us what bank or account number the money went to. To reopen the case I sent them that I filed report with sheriff and also XXXX was hacked and they gave me XXXX program which says my info was for sale in dark web and leaked from XXXX. So I wait another 90 days and called in and was told that I was denied my money again. I again asked for what information they used to make their decision and was told I would get with in 10 days. I wait a little over two weeks and call back and my phone was blocked from calling them. I had friend call and his phone go right through and when I try it just hangs up. 
To recoup I had over {$5800.00} stolen out of my account and they wont tell me where it went or even talk to me and I swear I never got ugly with anyone. Any help would be greatly appreciated I gave the sheriff the monthly statement
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (WA)

I have a checking account with U.S. Bank and the overdraft option of this account is disabled since I opened it. On XX/XX/XXXX my account was all good with no overdraft payment I had couple pending charges which they were all covered, and they already been charged out of my available balance. Last time I brought an XXXXXXXX XXXX, and my dad helped me paying it by sending me a XXXX to cover its cost as soon as paid it the amount was taken out of my available balance and the transaction was on pending. So, at this point if my account did not have the enough amount of money Then I'm not able to purchase anything it should decline any charge because the overdraft of this account is disabled. My account after that had {$0.00} and I was expecting a deposit of {$620.00} from my friend it just got deposited on XX/XX/XXXX and when I logged into my account on XX/XX/XXXX instead of expecting {$620.00}, I saw {$350.00}, and I was shocked why my account has dropped this much! I also saw couple comments under multi transactions it says the account is overdraft after this and that transaction! I attached screen shots of the transactions. So, I called the bank I explained my situation and they figured out my overdraft is disabled, and they transferred me to their supervisor and the supervisor was explaining the charges and he was pushing that my account did not have enough money and the account was on overdraft status. I'd want to press charges on U.S. Bank for stealing my money.
Consumer complaint received 2022-06-09
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 XXXX XXXX XXXX XXXX XXXX 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 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NC)

I paid in agreement with the settlement with Chase bank and XXXX XXXX on XX/XX/XXXX. The reps that I spoke to and paid agreed to update my account as paid in full. I need this done asap!
Consumer complaint received 2022-06-09
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have a 30-day late payment on my mortgage account listed on my credit report in the payment history section, called XXXX XXXX XXXX XXXX Mortgage Account, which date was opened on XX/XX/2018. I have disputed this account with Experian and XXXX and they have not removed late payment for the month of XXXX to reflect a " never late ' payment status on my credit report and Experian, XXXX and XXXX XXXX XXXX XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this 30-Day Late Payment for the month of XXXX from my mortgage account listed on my credit file for the month of XXXX immediately and if it is not removed, then I will be filing a lawsuit against Experian, XXXX, and XXXX XXXX XXXX XXXX for not removing this inaccurate late payment for the Month of XXXX. XXXX XXXX it is reporting 60-Days late and on Experian it is reporting 30-Days late for XXXX on my credit report. I have attached a copy of an updated letter, which I received from the creditor, which I already reported to the credit bureaus already. In the letter they stated that this 30-Day Late Payment for the month of XXXX is an error on their end and for the credit bureau XXXX update the record to reflect pays as agreed for the month of XXXX. Therefore, I have attached it to this complaint.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

There is a new XX/XX/XXXX XXXX  account that never reported to my personal profile and it suddenly appeared with a delinquency status causing me damage. 

The whole late on XXXX XXXX account was due to covid
Consumer complaint received 2022-10-19
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I put a wrong name for the dispute on XX/XX/2022. I put XXXX XXXX XXXX when it was capital one auto finance. I have 2 hard inquiries from when I was buying a car made in the same day. When you are searching for a car loan I thought you would have 1 hard inquiry especially if it is in the same month and for the exact same thing.
Consumer complaint received 2020-12-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

I received a debit card from the state of Colorado, issued by USBank that I do not want. It is for unemployment benefits that I do not subscribe to. I do not get benefits nor have I applied for benefits.
Consumer complaint received 2016-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (WY)

While I have not been personally affected by this issue, it was discovered that when you pay off a student loan with Great Lakes, they calculate 10 days of interest. If they receive your check prior to that 10 days, they do not refund the money unless it is greater than {$5.00}. This fact was directly stated to me by Customer service. Of course this is a relatively tiny amount of money, but multiplied by possibly XXXX of transactions, I believe they could be receiving a large amount of on unearned money
Consumer complaint received 2022-07-21
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. (CA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request Experian Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action.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
Consumer complaint received 2022-06-13
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-10-19
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. (TX)

I have written this company trying to fix these issues several times XX/XX/2022, XX/XX/2022, XX/XX/2022, and again on XX/XX/2022 to wish my last letter has gone unanswered.There are several items that need to be removed from my report along with the reason clearly stated next to each individual item. They also did not remove all non account holding inquiries, and they did not remove all accounts that are not metro 2 compliant. This company even sends me correspondence with my name misspelled to which I have complained and nothing has been done about this issue either. My credit reports mailed from them state my name as XXXX XXXX XXXX and my name is XXXX XXXX XXXX. I last pulled my credit report on XX/XX/2022 via annual credit report since I had not heard from them and immediately sent them another letter detailing the issues.
Consumer complaint received 2022-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (AZ)

The statement dated XX/XX/22 has a settlement amount due of {$300.00} to settle for less, the amount of payments on that statement is {$280.00}, which is incorrect I paid XXXX ( which you can see with the portal paid to date ) with the last payment made XX/XX/22 which should have settled the debt. Now XXXX they are saying the new settlement amount is {$400.00} to settle. This should have been settled with the {$330.00} that has been paid.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

My identity was stolen in early XX/XX/2022. I immediately froze my credit across all three bureaus, followed the guidelines on the FTC, created a fraud alert, and have a police report. In XXXX my reports across all three bureaus were unfrozen without my consent. I was able to refreeze XXXX  and setup a pin. As of today, it appears that XXXX has not been unfrozen ( great! ). My complaint is against both Transunion and XXXX. Multiple days so far in XXXX, my credit has been unfrozen at both of these credit unions, without my consent. Despite calling both organizations and discussing this with customer service, I was told there is no way to secure my account. At one point, while talking on the phone with customer service at XXXX, another user called in on another line, and requested my account be unfrozen, and they obliged! I watched on my online account as the indicator noting the freeze had moved between frozen and unfrozen, while I was logged in. The only information needed when a caller calls transunion or XXXX is SSN, numeric portion of your address, date of birth, and zip code. All of this information has been compromised for me, so someone continues to call bureaus and easily unfreeze my credit regularly now. Almost immediately after it is unfrozen, I receive hard and soft inquiries for credit unions, banks, cell phone accounts, etc. Is there absolutely nothing I can do to make this all stop? I have absolutely no power to control my credit being frozen, and that is unacceptable. Help!
Consumer complaint received 2022-06-13
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. (TN)

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

XXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C1681 section 602 A States i have the right to privacy.

15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-13
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (DE)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : USAA FEDERAL SAVINGS B XX/XX/2021