davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
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. (DE)

In accordance with the Fair Credit Reporting act 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 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 2022-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern : I have mailed several disputes and no changes have been made, to XXXX, transunion, and XXXX regarding these accounts XXXX XXXX XXXX and XXXX XXXX XXXX. 

On my XXXX I have mailed several disputes since XX/XX/2014 and no changes made for First premier bank and XXXX XXXX which is listed on my credit report in error. 

Everything else is listed correctly. Please remove the incorrect accounts from my reports.
Consumer complaint received 2022-08-31
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: CLGF Holdco 1, LLC (TN)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without instructions, 15 USC 1666B : A cred payment on a XXXX XXXX open end XXXX XXXX XXXX. 
ran for any purpose
Consumer complaint received 2022-04-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BAM Management US Holdings Inc. (NC)

I used binance.us for a while and now have XXXX dollars stuck because I do not want to consent to binance ( a XXXX company ) to sell/share my biometric face data with third parties. 

I was not informed ahead of time and there is no option to decline and close my account as well as withdraw my funds ( which is currently in cash held on their platform not any digital assets ). This is an overreach for any centralized exchange. They already have more information than my bank and now they want the geometrical scan of my face. What???? Please help as I have contacted them and to no avail to be fair its only been a day though.
Consumer complaint received 2022-08-31
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. (NY)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2022-08-31
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. (DE)

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

1

5 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 2021-09-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hayt Hayt & Landau, P.L. (FL) (GA)

Received a notice from a company ( XXXX XXXX ) representing a Collection Agency, a 3rd Party company apparently. I responded to the Law company in the 30 days as referenced and My letter returned " address unknown '' sent to the address listed on the letter.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NJ)

I am filing a complaint about unauthorized access of my accounts on Wells Fargos online banking website on XX/XX/2022, during which the intruder : 1 ) Enrolled my accounts in XXXX service, and added two XXXX recipients 2 ) Made a series of XXXX payments from my personal and business checking accounts to the same recipient 3 ) Initiated two cash advances from my credit card account ( issued by Wells Fargo and accessible on Wells Fargos online banking website ) to my checking accounts. 

All of the above activities were NOT authorized by me, and clearly a result of lack of security measures on Wells Fargo online banking website. The long holding time of more than 45 minutes on Wells Fargos online fraud reporting line also allowed the criminal enough time to conduct those activities. 

Amount by Unauthorized Transactions 1 ) 11 XXXX payments totaling {$480.00} from my business checking account to XXXX XXXX 2 ) 4 XXXX payments totaling {$170.00} from my personal checking account to the same recipient XXXX XXXX 3 ) Cash advance of {$2400.00} from my Wells Fargo Cash Wise Visa Signature Credit Card to my business checking account XXXX ) Cash advance of {$500.00} from my Wells Fargo Cash Wise Visa Signature Credit Card to my personal checking account Action taken by me and Wells Fargo ( Claim # XXXX ) 1 ) I provided Wells Fargo with detailed information regarding the case, both verbally on the phone with their online fraud department and in writing through fax XXXX ( see attached PDF document ) 2 ) About 10 to 15 business days after the online fraud occured, Wells Fargo 's online fraud investigation department notified me by two letters ( one from credit card fraud claim department, the other from online fraud claim department ) stating that there were NO fraudulent activities related to my accounts and my claim case was dismissed.
Consumer complaint received 2022-02-24
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: WELLS FARGO & COMPANY (VA)

On XX/XX/2022 I purchased a XXXX  XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX At the time of my purchase I already had financing to purchase and without my consent the Sales Manager requested financing, resulting in a hard pull to my XXXX score, with seven institutions that I did not authorize to do so. This was after the conversation between myself and the sales person advising of the financing I already obtained for the purchase of the car. Regrettably, it wasnt until the next morning that I was made aware by XXXX and the other credit reporting systems I use of the inquiries made by Wells Fargo, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX making hard pulls to my credit the previous day. I followed up with XXXX XXXX and they provided me with a letter stating that the inquiries we not accurate and should be removed from my report due to their error. I submitted a request to XXXX through the online website to dispute and less than 24 hours they stated it was accurate and would leave them on my credit report for 2 years. No proper investigation was done nor was I asked or able to provide the documentation to support my request to have those inquiries removed. Today, XX/XX/2022 I called into XXXX to resolve the issue and instead of being assisted I was transferred back to the automated message at the start of the call. Prior to me being transferred back, the representative advised Id speak to a supervisor and that 3 of the companies had retracted their pull. However their report states otherwise. I requested documentation to show proof of those inquiries being deleted and the representative refused to comply.
Consumer complaint received 2023-06-24
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: EQUIFAX, INC. (CA)

The Credit bureaus stated my account was properly investigated but how is that possible if the Account number is inaccurate, High Balance is inaccurate, Last Verified is inaccurate, Date of Last Activity is inaccurate, Date Reported is inaccurate, Date Opened is inaccurate, Balance Owed is inaccurate, Closed Date is inaccurate, Last Payment is inaccurate ; This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023
Consumer complaint received 2022-08-31
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-02-22
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)

THE INQUIRIES LISTED ARE DUE FOR REMOVAL OFF MY CREDIT FILE. THOSE INQUIRIES WERE NOT AUTHORIZED TO APPEAR ON MY CREDIT. I DID NOT GIVE THOSE COMPANIES ANY AUTHORIZATION TO RUN MY CREDIT. PLEASE HAVE THOSE EXCESSIVE INQUIRIES OFF MY REPORT.
Consumer complaint received 2022-08-31
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts DELETED as soon possible : XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00}, XXXX XXXX  XXXX Date Opened XXXX XXXX, XXXX Balance {$1400.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$1900.00}
Consumer complaint received 2022-08-31
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts DELETED as soon possible : XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.0XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$1400.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$1900.00}
Consumer complaint received 2022-08-31
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. (PA)

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected and deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$990.00}
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I was told by XXXX that all my accounts including my credit card accounts would be transferred to Citizens Bank by XXXX XXXX. 

I have already made a complaint against Citizens about another issue. It seems that Citizens takes liberties they are not entitled to so they can charge extra interest, among other things. In this new example, it seems that Citizens Bank changes the date that a payment is due. I did not get any alerts about this nor did I receive any statement. 
For the month of XXXX I was under the impression that a payment was due on XX/XX/XXXX. The previous month I made my payment on XX/XX/XXXX, and had no penalties imposed on me. 
For the month of XXXX I made my payment on XX/XX/XXXX since the XXXX was on a Sunday. I did speak to a Citizens customer service agent on XX/XX/XXXX who told me I may be charged a late fee but once the account is updated I should call Citizens and they would reverse the late fee. 
Today I was reading my new statement dated XX/XX/XXXX and I did not notice a late fee but instead I noticed that I was charged more interest for the month, then for the previous month, over {$25.00}. I called Citizens and was told they could do nothing about it. 
In other words while there was no late fee on my statement, Citizens charged me more interest. The customer service agent claimed that my payment was not processed until XX/XX/XXXX and therefore I was charged interest. When I asked why I wasnt charged a late fee he had no answer. 
I am attaching two statements from Citizens, one for XXXX, XXXX ; the other for XXXX, XXXX and there are no late payments indicated but notice my interest payment has increased. 
Please tell Citizens to reverse this extra interest charge. On XX/XX/XXXX, my interest charge was {$170.00}, but for XXXX, it was XXXX. 
This is no way to do business.
Consumer complaint received 2022-08-31
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-09-02
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: Southwest Credit Systems, L.P. (MD)

I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with Southwest Credit Systems. This collection account was opened in XX/XX/XXXX - and currently has a balance of {$1100.00}. In XX/XX/XXXX, I disputed this account with XXXX XXXX and received unfavorable results. I called Southwest Credit Systems on XX/XX/XXXX in an attempt to discover what this account was for ... I was told that the original creditor is " XXXX '' and that Southwest Credit Systems removed this account from my credit report on XX/XX/XXXX. Then, I called XXXX, and they were not able to locate my name and/or an account affiliated with my name. This account is falsely and negatively being reflected on my XXXX and XXXX  credit reports.
Consumer complaint received 2018-12-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

Quicken loans increases our payment each and every year even if there is not an escrow shortage. Even when they give a refund of escrow overage - they will increase the payment. I called last year and paid the shortage, plus an additional amount and they finally relented and left my payment the same. This year, I am getting a refund for the overage about {$700.00} and they are raising my payment by ~ {$30.00} and REFUSE to leave it the same. This mortgage company rates among the worst!
Consumer complaint received 2022-08-31
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.