davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Despite multiple requests, the unverified item with XXXX, inaccurate late payments status, still remains on my credit report in violation of Federal Law.  I have contacted XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX has told me I never had account with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2019-09-24
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. (GA)

On XX/XX/2019 I went to XXXX ( XXXX XXXX XXXX ) with an already approved loan from my current credit card company XXXX XXXX '. I was willing and ready to use my XXXX XXXX auto loan without hesitation. My salesman apparently ran my credit with MULTIPLE lenders WITHOUT my permission or knowledge on doing so. Not to mention, I have a 'Fraud Alert ' on my Equifax which should have prevented anyone from gaining access to my credit account without my approval. It wasnt until I checked my report 30days later and seen such transactions. I did not authorize all of these auto lenders to run my credit as I have been diligently working to build my credit and with all of these hard inquiries it has brought my credit score down. I have made attempts to contact XXXX XXXX regarding this issue but was informed there is nothing they could do, that I would need to dispute these transactions with the lenders. I would NEVER have authorized all of these hard inquiries when I was already approved for an autoloan. *I tried to upload my XXXX XXXX Auto Navigator approved loan but since I purchased the car, I no longer have access to such document*
Consumer complaint received 2019-05-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was contacted by a representation from an international film production company ( XXXX XXXX ) based in XXXX who said they found my contact information on a resume listing website ( XXXX ) and was hired to work as a XXXX  XXXX  for an upcoming job. I was sent a contract, script and other relevant information regarding the upcoming job. When they hired me, they said that they would be sending a check to my house for {$4900.00}. That check was meant to include my day rate ( {$1400.00} ) as well as petty cash for expenses that I would need to complete as part of my job. They sent the check to my house and asked me to deposit it into my account at Bank of America. I deposited the check and waited until the funds cleared and were made available to me, thinking that once the funds were available, that meant that the check was good and that the funds were in my account. I was in communication with the representative via phone and he directed me to send payments to a number of different vendors through XXXX ( Bank of America 's cash transfer app ) and XXXX XXXX ( XXXX XXXX. cash transfer app ). Under his direction, I sent {$2400.00} through XXXX to the vendor he provided. Then I sent a few payments through XXXX XXXX to another vendor ( amounts of {$400.00}, {$400.00}, {$300.00} and {$310.00} ). After realizing that they were asking me to use some of my paycheck amount to pay for equipment, I called the representative on the phone and asked more questions about the details of the equipment and the shoot. Once I started asking more specific questions about the equipment, I could tell that he didn't know what equipment they were renting ( or what would be appropriate for a shoot of this kind ) and I did not send through the remaining requests of money. Within a few hours, I was informed by Bank of America that my account was overdrawn and that the check I had cashed was not a valid check. I was completely thrown off. I was under the impression, which now I realize is FALSE, that when Bank of America made funds available to me, that did not mean that the check was legit. I was told that there was no way to recoup the funds that were taken out of my account by XXXX or XXXX XXXX, since those transfers are not protected. I filed a Police report with my local Police Station.
Consumer complaint received 2018-01-05
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: Experian Information Solutions Inc. (OK)

Since when I opened my SSN this year I have been cleaning up my credit report due unauthorized requests/reports/updating personal info. 

Inquiries not cleaning up : XXXX XXXX XXXX - XXXX ( Already asked the company they removed one inquiry only ) - Last contact in XXXX. 
XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX. 
XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX.
Consumer complaint received 2019-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Account Recovery Specialists, Inc. (KS)

The date of first delinquency was in XX/XX/XXXX they have illegally reared the account to show a date of first delinquency of XX/XX/XXXX. Violated FCRA.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I filed a CFPB XXXX : XXXX | Capital One XXXX : XXXX. Capital One one is playing a game, they are still charging me for the fraudulent charges on my account. They also have left a number to call which I have called over 27 times now with no response. XXXX is the agent handling my case. I have been calling from ( XXXX ) XXXX and she never picks up the phone or responds to any of my messages. Capital One is refusing to help me with these fraudulent charges and their billing department calls me everyday to tell me to pay for these fraudulent charges! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - They also are claiming that I faxed in some documents that could not be verified. Due to this, my account is permantly restricted. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I never sent in any documents to them! I dont know what Capital One has going on but they need to cut the XXXX and unlock my account now.
Consumer complaint received 2023-08-25
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: Albert Corporation (TX)

Request to close account after setting up because of confusing information and not able to get answers to questions. Requested XX/XX/2023. Each time I requested screen pops up saying unable to close because of {$5.00} balance. I needed to close out {$5.00} when I attempted it said transaction pending. Wouldnt allow any withdrawal of {$5.00} also put a freeze I couldnt delete my bank account information. This was still In XXXX. I sent email no response. On XX/XX/XXXX a withdrawal was taken from my back acct for {$170.00}. I again attempted to close it still shows balance of {$5.00}. When I tried again it allows to close but refund will be for $ XXXX because it is prorated. It still shows {$5.00} balance.
Consumer complaint received 2019-10-01
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: EQUIFAX, INC. (GA)

I contacted your office months ago after I was notified that there were items being reported to my credit that did not belong to me. Many of those items have been removed, however, now that I've been monitoring my credit closely, I've noticed new items that hove been placed on my credit that hove no name. only account numbers. Please remove these items as soon as possible. XXXX XXXX XXXX ( account # XXXX ) XXXX XXXX XXXX ( accnt # XXXX ) Item # 1- No Name ( account number XXXX ) Item # 2 No Name ( account number XXXX ) Item # 3-No Name ( account number XXXX ) Item # 4- No Name ( account number XXXX )
Consumer complaint received 2019-10-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Oracle Financial Group LLC. (ID)

apparently it was turned over to oracle financial group who called my husband XXXX told him they could take our car if we didn't pay over XXXX dollars to them. he paid XXXX and they said it was not enough they would call at later date for more
Consumer complaint received 2019-05-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I had file an application for a first-time home buyer with Wells Fargo bank online. I had spoke with a lender and he said that a local branch would be able to help me more because of the down payment assistance and more options. So I contacted XXXX XXXX by email and told her what the other lender told me and if she could look into my application. On Tuesday, XX/XX/2019, she responded and said Sure, and asked for my phone number. I replied with my phone number, and then she called me. She asked me how she could help. I told her that I filled out an application and what the lender said. She said she would be able to help me. So then she asked me how much did I have saved. I told her that I have {$500.00} saved right now. Her tone had changed and then she was rude and condescending. She told me to ask my mother, or my brother or someone in my family to help with {$7000.00} or {$8000.00}. She said for me to call her when I had {$7000.00} or {$8000.00} and then call her back. She didn't discuss with the information on the application I had. She didn't ask me how much was the house I was interested in. I am XXXX, so my only income was Social Security and XXXX XXXX voucher. I think she felt I didn't have enough money, I felt discriminated.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NJ)

sent my certified mail and they signed it on XX/XX/XXXX and as of today XX/XX/XXXX I received nothing back from them in the mail. 
They marked it's in dispute on my credit report but I received nothing. I called them today to let them know that I received nothing from them as of today and that this is being dispute and that they signed for my letter. I explained I'm disputing the balance & that I moved out the home in XX/XX/XXXX and they stated the account was disconnected on XX/XX/XXXX. I asked for the documents to validate and as of today XX/XX/XXXX I received nothing Please see my documents for the proof that it's past the 30 days to respond. 

Thanks, XXXX XXXX
Consumer complaint received 2019-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

After I reported fraud on my account, my account was frozen. I warned bank at that time that I am expecting social sect payment in that account. The bank informed me that it wouldnt be a problem that they will open new account and will transfer my funds to that account. 
Almost two months later my social security is on frozen account and when I call I get transferred from one department to another.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$380.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$340.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX {$180.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

2 months ago the bank ( HSBC ) shut my account down. They said that they were closing the banking relationship and that I would receive a letter of explanation and the money held in my account. I have called numerous times and set appointments with my account manager. He met with me on the phone and said that the money and letter should have already gone out. This was a mbout a month ago. Since that meeting via phone, I have set up 3 other phone appointments in which he didnt call me. I have left multiple voicemails which he hasnt returned and I also talked to customer service on several occasions with no resolution. Each time I am told that the letter/check are in processing but they cant give me a date as to when it will be released.
Consumer complaint received 2022-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was taken advantage of due to malpractice, while several laws were being broken under the fcra by your company. This has caused me financial injury, defamation of character, not being able to apply for credit or a XXXX loan during the time of the pandemic. Under this crisis you have hurt my ability to obtain credit.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (CA)

XXXX has reported my score incorrectly, because they claim that I owe existing amounts to a debt collection agency for medical payments. Even though I have already send them a proof of medical insurance at the time. They also claim that Ive also yet paid my XXXX XXXX payment, but I have proof of payment and the payment being made on time. So this continues to effect my credit score without any help to resolve it.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This credit reporting agency continues to unapologetically report fraudulent information on my consumer file. I have sent in a certified letter showing proof that the account they are reporting is currently in litigation for Fraud and this reporting agency is still reporting this erroneous account on my file. I am now forced to file a civil lawsuit in federal court against them which is costing me more time and money. This company repeatedly reports unverified information because the company reporting the tradeline pays them. This company doesnt seem to take federal laws seriously and continues to violate my consumer rights costing me loss opportunities, time and cost. This company needs to be held accountable and these federal agencies that claim to be in place to protect the consumer need to take legal actions against them.
Consumer complaint received 2023-03-28
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. (FL)

My consumer rights have been violated. 15 USC 1681bPermissible Purpose of Consumer Rights, also 15 US Code1681 ( 2 ) ( a ) ( i ) and 15 US Code 1681 ( b ) ( 2 ) ( a ) ( 2 ) In General : meaning unless a consumer reporting agency has my written instructions, you are not to furnish anything in my report. Permissible purpose means with consent and or written instructions. No One had my written instructions to report onto my consumer report!

Account Resolutions Corp has violated my rights and violated the consumer law according to 15 US Code6802 Obligations with Respect to Disclosures of Personal Information, a financial institution is suppose to give me 3 disclosure forms : 1 ) letting me know that they are going to report 2 ) letting me know that I have the right not to disclose this information to the consumer report 3 ) letting me know that I have the right to do so, and how to exercise that right Account Resolution Corp has not shown me any proof that their company has sent me the three disclosure forms, most importantly, where I signed to NOT OP-OUT, they can not provide that proof, because I was never given those documentations. Therefore, my consumer rights being violated! 

This is a violation of the No SUPRISE Act This is a violation of HIPAA Also, in the state of Florida in order to collect an alleged debt, you have to be licensed in the state of Florida Account Resolution Corp is not licensed in the state of Florida, so why are they allowed to report anything onto my consumer report? I demand immediate deletion!
Consumer complaint received 2019-09-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (PA)

Firstmark, the servicer of my student loan, is showing my balance about {$5000.00} over what it should be. I have contacted them numerous times both via email and telephone regarding this. On the telephone I keep getting told that this will be corrected. Over email I keep being told they need 5 business days. The have arbitrarily and erroneously decided to add money to my balance and refuse to fix it. This is also a zero interest payment so when they do decide to stop breaking the law, they need to make sure that my payments have been applied properly. My credit score went down because of this added debt. This is absolutely ludicrous and I need this fixed.
Consumer complaint received 2019-09-24
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (VA)

Despite multiple requests, the unverified item with Santander, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted Santander via mail and have returned undelivered mail with inaccurate address on file, and via phone Santander has told me I never had account with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to express my deep dissatisfaction and frustration regarding the ongoing delays and lack of resolution concerning my open account with your company. Despite numerous attempts to rectify this matter, the issue remains unresolved, causing inconvenience and financial strain on my end. 

The persistent delays in resolving this matter have not only caused me undue stress but have also affected my trust in your company 's ability to manage customer accounts effectively. As a loyal customer who has consistently met their obligations, I find it unacceptable to be subjected to such inefficiencies and disregard for customer satisfaction. 

Furthermore, the lack of transparency and communication throughout this process only compounds my frustration. I have not received any updates or explanations regarding the status of my account, leaving me in the dark about the progress of resolving the issue. 

I demand immediate action to rectify this situation and ensure that my account is promptly corrected without further delays. Additionally, I expect clear communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. With this, I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX : {$9600.00}.