davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-19
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY (DE)

I was issued a credit card from Amex with a minimal credit line. When I was told what the credit line was, I immediately reached out to their new accounts department. After being transferred around several times and on hold for 90 minutes I finally reached " the right area '' here I was advised that I can have my line reconsidered once I get my card, with a soft pull of my credit report. I was only advised this after I stated I wanted to cancel the account if I ca n't be reconsidered for a higher line. When I called back two days later ( when I received my card ) I was told my account has to be open for greater then 60 days to ask for a increase which may or may not place another inquiry on my credit report. Basically I was lied to and misled on that first call
Consumer complaint received 2022-09-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$1100.00}, and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (MS)

On or around XX/XX/21 the balance of my checking account was stolen and fraudulently spent at an online casino despite my attempts to contact the bank and the casino and report the activity while it was still in the pending stage. Despite my reports that the pending charges were fraudulent the bank released the funds to the casino whom never bother to respond to any of my attempts to co tact them/. 

Afterwards, the bank ignored my efforts to report the fraud claiming that the complaint of fraud that was uploaded were not properly submitted, unreadable, cant the case was not opened despite my habdwtitten complaint mailed to their office. From there I would be places on lengthy holds ranging From hours and told that supervisors were not avalibke to take my calls. Call backs were never followed through on their part and any attempt to contact them further is met with a low level employee stating that there are No supervisors to take my call. 

Subsequently the investigation from around the same time against another vendor was found in my favor and the bank sent correspondence to tell me my phones have been placed back into my account which had been close months prior. All further contact with the bank was always met with supervisors being busy long wait times being hung up on, and. General disdain. On XX/XX/XXXX I was on hold a total of more than three hours told that there were no supervisors available to take my call that they were on our phone calls and one would call me back however on XXXX the XXXX The promised callback never happened the bank never contacted me so I called them it was placed again on a link the whole time exceeding over 5? hours refusing to hang up and the call disconnected through an employee that would not furnish her name.
Consumer complaint received 2019-09-24
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: Experian Information Solutions Inc. (SC)

After numerous attempts to get fradulent accounts, fradulent addresses, names etc off of my credit report i have had no response back or any actions taken to have them removed from my credit reports as of yet or any validation from these fradulent accounts, names, etc. The following are not my accounts : 1.XXXX XXXX XXXX   acct # XXXX** 2. XXXX XXXX  XXXX acct # XXXX** 3. XXXX XXXX XXXX acct # XXXX** 4. XXXX XXXX XXXX acct # XXXX** acct # XXXX** 5. XXXX XXXX/XXXX acct # XXXX** XXXX XXXX XXXX XXXX acct # XXXX** THE FOLLOWING NAME SHOULD ONLY BE ON MY CREDIT REPORTS FROM ALL 3 BUREAUS EXPERIAN, XXXX, XXXX AS FOLLOWS : 1. XXXX XXXX XXXX THE FOLLOWING ADDRESS IS THE ONLY ADDRESS THAT SHOULD BE REPORTED ON MY CREDIT REPORTS FROM ALL XXXX BUREAUS, ALL OTHER ADDRESSES ARE FRADULENT! 
XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX SC,XXXX
Consumer complaint received 2022-02-25
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. (KY)

I recently received updated copies of my Equifax and XXXX credit reports. I noticed a collection account on both of them upon review. 

I have no knowledge of the apparent Collection Agency ( XXXX XXXX XXXX ) or the Original Creditor ( XXXX XXXX XXXX XXXX ). According to my Credit Reports, this debt became delinquent on XX/XX/2019. 

I am providing a copy of the letter i forwarded to the Collection Agency requesting validation of the debt in addition to other things necessary for me to ascertain the validity of such.
Consumer complaint received 2022-04-14
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. (VA)

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX Account # 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 2017-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I made adjustments through the online dashboard to NOT ACCEPT any charges that were going to over draw my account and deny the transaction. 
Capital One 360 decided for me in a credit card dispute and credited my account {$750.00}, then months later they changed their mind over false evidence then attempted to charge me {$750.00}, this sent my account to XXXX. 
I did not authorize this {$750.00} charge, plus the account settings were set to deny any such charge that would send my account negative. Capital One 360 over rode these settings in my account and forced the charge against my will making me a debtor to an un-authorized charge. 

I have never " lost '' any reversals of charges in the past, XXXX was the original owner of the account but Capital One 360 purchased them and made the customer service hostile against customers in an already broken banking industry. I AM NOT paying this or making any deposits. I will go to the cashless society and trade in silver if I have to, I will not take this abuse.
Consumer complaint received 2023-02-22
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 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 my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (TN)

Amerassist AR Solutions has placed a collection on my credit profile claiming that I owe {$1300.00} to XXXX XXXX XXXX. I researched XXXX XXXX XXXX and found out that they are some sort of dental company. I have never had and services done by XXXX XXXX XXXX. I reached out to Amerassist over 60 days ago via certified USPS letter ( I attached a copy in the CFPB document portal showing when they received my complaint ). They have yet to respond. What they did was buy some erroneous debt for pennies on the dollar in hopes to turn a profit from it. They obviously didnt try to verify this with any official documentation. This company is HORRIBLE. Every time I call they give me the run around.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

A month ago I opened a business account with Bank of America. After depositing {$15000.00} into the account at branches while waiting for card tied to acct to arrive in mail. I needed to send a wire transfer to purchase equipment to build my small business. I went into the bank branch and was basically told that I could not send a wire transfer without the card. I was told to just wait a few more days for the card to arrive. After waiting a full week more for the card I went back into the branch and was told again I couldn't send a wire transfer from my business acct without the card. So I transferred the balance of my business acct to my personal checking acct and was finally able to send my wire transfer. This delay cost me {$1000.00}. An amount that as a small business definitley hurts. To this I was just told " sorry ''. After finally being able to use my own money through my personal checking acct I closed my business acct with Bank of America. Still keeping my personal savings and checking accts while I found a new banking institution to take my business to. The next evening I tried to purchase a {$2.00} stock photo for my business website with my debit card only to be told there was a problem with my card. I have now been on the phone with Bank of America XXXX service for close to an hour because for some reason, ( no one can tell me why ... ) my debit card was cancelled. There are no notes or reasons on my acct as to why it was cancelled. Basically leaving me with no access to my funds since I left the bank yesterday. They have told me they can not turn my card back on, but can send me a new card. No, I can not wait who knows how long for a new card to access my money. Money that the bank has no problem letting someone else use for their profit. so as of now I have no access to the {$12000.00} in my checking and savings acct. Also now since my card has been turned off none of my saved payments ( Mortgage, cell phone, etc ) will work. If this is not resolved soon I will end up with a late payment to mortgage company that affects my credit and livelihood. This is the most unacceptable treatment of a customer I have ever experienced. And at this moment Im being told by XXXX ( would not give me last name and would not transfer me to his boss ) that there is nothing they can do to help me.
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 i sent off a debt validation letter to the alleged debt Collector XXXX XXXX & they returned to sender saying that address is unknown & invalid when this is the address clearly showing on my Consumer report. If address information is invalid then surely the information being reported is to my understanding INACCURATE also. 

In accordance with the Fair Credit Reporting act XXXX XXXX # xxxxxxxxxx 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 2023-06-26
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. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am very concerned about the items listed below that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I have been going back and forth with the bureaus for over 7 months now! I ask that you delete these accounts immediately, or I will be filing a legal complaint against you! These are violations of the FCRA and effecting my everyday life all XXXX accounts are inaccurate in several ways and need to be deleted immediately from all 3 bureaus XXXX  Card several inaccuracies and need to be deleted immediately from all 3 bureaus. 
Never had any account with XXXX XXXX and also several inaccuracies reported and should be deleted immediately from all 3 bureaus
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: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX and I am disputing a hard inquiry on my credit report. On the night of XXXX/XXXX/2022, my older brother, XXXX XXXX XXXX, applied for a credit card with XXXX XXXX online. Within seconds of his submission, I received a hard inquiry for the application instead of his which makes an effect on my credit score and report. There could be a mix up between our credit information with Equifax as both of our SSNs are almost identical except for the last number ( my guess for this situation to have occurred ). 

I placed a dispute with Equifax online that same night and received an update that their investigation was complete the next night on XXXX/XXXX/2022. The report they provided me was that the hard inquiry was accurate and that XXXX XXXX should clear up the information on their end or fix it with Equifax. However, I called XXXX XXXX today, XXXX/XXXX/2022, and was told that the information under my brothers account and application were correct and that my account and information were correct as well. We were able to verify our names and socials within XXXX XXXX  system and found no error there. I was told by XXXX XXXX to reach out to Equifax again for the hard inquiry and to let them know that XXXX XXXX has the correct information and was verified by my brother and I. 

This hard inquiry does not belong to me and should be removed from my credit report. I still do not know how and why I received the hard inquiry when the application was all under my brothers information.
Consumer complaint received 2017-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK (PA)

Discover enrolled me in a Payment Protection Program back when I first signed up for the card. Since then it appears to have been on my statement as a small fee that would has gone unnoticed for the full length of my membership with them. Upon calling Discover all anyone can say is that I gave permission for them to charge me over the phone without any additional information, recordings, or names. They then continue to state again all that they attempt to do keep members aware that they are being charged these fees with no statements as to how I was specifically enrolled originally or what they are doing to address such concerns in the future.
Consumer complaint received 2022-04-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (MI)

My house burnt down in XX/XX/2019. The insurance company only wanted to pay out half of the claim XXXX months ago I hired an attorney to get me the other half of my claim which he did now the rest of the funds are locked up between the attorney and the mortgage company the mortgage company is refusing to pay the attorney the attorney is refusing to release the funds unless he gets paid can not after weeks of trying get the two of them to agree. My temporary housing is only paid till the end of XXXX it was supposed to be paid to XXXX those funds are also locked up in this dispute so I family of XXXX will be XXXX at the end of the month if I can get these companies to agree so we can get her money and I can finish rebuilding my house
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process.

Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my consumer profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment. The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). Their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my consumer report immediately.
Consumer complaint received 2022-08-30
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. (CO)

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 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The Bank of America institution is monitoring my credit. I do not have an account with this financial institution and have not consented to this monitoring. 

The checks happened on the following dates without my knowledge or consent : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022
Consumer complaint received 2022-09-01
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. (MI)

This is my 5th endeavor to tell XXXX and TransUnion credit bureaus that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.