davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

Apparently I have a 10 year old " freeze '' on my credit file from 2009 that I just found out about when it negatively impacted my recently opened XXXX account- after it was already approved and installed. Now, suddenly I am notified that because they can not " locate '' a credit file, I will be charged a deposit and higher rates than initially discussed and agreed upon. After more than three hours and several Experian representatives, Experian can not verify my identity and because I do not know the 10 digit PIN ( from 10 years ago ) and I have moved ( so they could only send the PIN to my old address at the time of the initial freeze ). Then they could not access any security questions to verify my ID over the phone, and the upload feature online does not work, repeatedly having technical issues and deleting my documents. So, NOW I must send a copy of current utilities ( but NOT the lease, when we moved in just two weeks ago ), my state-issued driver 's license, my passport, and my social security card just to request that a new PIN be mailed in 8-10 business days ( on top of the 3-5 for processing ). This will take weeks to complete. However, over the past several years, I have opened numerous credit cards, purchased multiple cars, and more ... all under this supposed " freeze. '' I was told about it in XXXX and immediately had it lifted without any PIN, so I thought the nightmare was over - but somehow it only worked temporarily and now they basically can not explain why it was not lifted permanently or why they can not access the questions or why I was able to go nearly ten years without even being aware of this freeze. Nobody can answer anything and they all just treated me like trash. It is a scam. Yet Experian has control over nearly every aspect of our lives. I have NEVER had to pay a deposit for utilities, or anything else until now and it is not because of poor credit, but their poor procedures and lack of caring about the customers they are hurting.
Consumer complaint received 2022-05-14
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. (TN)

Ive recently been working on building my credit and I noticed some hard inquiries that I dont recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-14
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: LAKEVIEW LOAN SERVICING, LLC (CA)

I have previously filed a complain, which has a record number : XXXX. However, Lakeview XXXX did not carefully investigate and correct errors on my credit report. As the result, there was no change in my credit report. 

Lakeview XXXX has found out errors and corrected the credit report the Bureau. The correction was made for the month of XX/XX/2021 and XX/XX/2021. Lakeview needs to re-investigate this matter and stated that they did not review my credit report diligently. 

I am requesting Lakeview to remove all negative marks on my credit report due to its bad practice. 

Thanks,
Consumer complaint received 2022-05-14
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 2019-07-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

I filed a complaint with XXXX XXXX XXXX , XXXX, but I think I should be fling a complaint against LOANCARE , LLC because they are the ones who transferred my service. You used to think that if a mortgage company transferred/sold your loan to another, it was a good thing. I do not think this is the case. XXXX is a collection service. Transfer was XX/XX/XXXX one month after closing. closing was XX/XX/XXXX. I did review the Notice of Servicing Transfer and I have logged in many calls to XXXX. Confusing because XXXX number is XXXX. I used to pay {$720.00}. They were late posting the initial money from closing. On XX/XX/XXXX I spoke with XXXX about payments and how to do them online. I paid XX/XX/XXXX. Back then I had questions about the escrow. This is when the amounts did NOT agree. Then, they said I was short, it THEY were over paying. I saw this reflected on monthly statement of XX/XX/XXXX ( statement date ) and ( payment due date ) of XX/XX/XXXX. Then on XXXX/XXXX/XXXX I got a statement from LOANCARE LLC with a new amount of {$690.00}. ( Everyones Mortgage goes down, so I thought nothing of it. I have heard of VA Relief Program and other reasons for decreases, even on a fixed rate, so I thought nothing of it. ) Until, LOANCARE decided to transfer me over to XXXX which started at total amount due : {$690.00}. And that is when from then on it seems they PASSED there buck onto to me. And on XX/XX/XXXX the amount changed again to {$710.00}. I am So fed up with all this. I have shared with my family that if for any reason I drop dead, SUE them for duress, because from then on I have tried to solve the problem with both of these with only one headache after another. Please help!
Consumer complaint received 2022-05-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (MD)

In accordance with the Fair Credit Reporting Act, NATIONAL CREDIT SYSTEMS INC ( original 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 an account without my written instructions.
Consumer complaint received 2019-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (DE)

XX/XX/2019 PayPal limited my account access holding my funds for reasons unknown to myself or customer services reps I have spoken with. I provided information needed, changed my password for security and still can not access my funds in my PayPal balance for withdraw. Due to this inconvenience my water has been turned off by the utility company for failure to pay the bill on scheduled payment arrangement date. I have young children who has also been affected by this. I have reached out to PayPal on XXXX, XXXX and XXXX with no accurate response or update to when I will have access to MY EARNED MONEY sitting in my PayPal balance.
Consumer complaint received 2022-05-14
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

In accordance with the Fair Credit Reporting Act, Capital One Credit Card 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 an account without my written instructions.
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my PayPal account. I am using my PayPal account for Receiving my payment of my online freelancing jobs since XX/XX/2020. My PayPal account : XXXX has stocked funds in it that I have to withdrawn asap for emergency purpose. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and XXXX bless. 

For Identify verification, I attached my Valid ID. Please see attachment.
Consumer complaint received 2015-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (VA)

I was told I had to pay an amount that was not written on my statement. When confronted the person changed what they said and spoke to manager. They then said they would check the recordings and call me back, this has not happened, and I have contacted them numerous times.
Consumer complaint received 2015-05-30
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was charged without knowing an amount of {$69.00} by creditcard issuer, Spirit airlines. Their card is make based on Bank of America. 
Took me hours on the phone with the bank XXXX Spirit did not answer the phone ) to find out the charge is a fee to became a sort of {$9.00} XXXX member. I strongly refuse and requested to take of this unwanted fee.I was refused by the bank representative that is not working on my side as a customer. 
So the bank did not accept to open a dispute. 
I paid the bill except that fee of {$69.00}. 
In two days I received a new bill with {$69.00} plus a penalty charge.
Consumer complaint received 2022-05-14
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. (FL)

TransUnion still continues to violate my rights under the FCRA Section 15 USC 1681 and 623 ( a ) ( 1 ) ( A ).

TransUnion stated the account listed below was verified, but how is that possible if they did not do a proper investigation on the account listed below. Every piece of information on this account is still not reporting 100 % accurate. Furthermore TransUnion by way of their own report dated XX/XX/XXXX shows the account has not been updated since XX/XX/XXXX. 
The FCRA Section 623 ( a ) ( 1 ) ( A ) states credit reporting agencies have a legal obligation under the FCRA to ensure the accuracy of the information they furnish. TransUnion has clearly failed to do so as required by Federal law.

The FCRA 623 ( b ) ( 1 ) states if the credit reporting agency does not investigate and respond to the dispute within 30 days they must delete the disputed information from its files. TransUnion clearly failed to do so as required by Federal law. 
Account Disputed : XXXX  XXXX BANKRUPTCY Account Number : XXXX
Consumer complaint received 2022-03-27
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

I opened up an investigation with ChexSystems regarding XXXX XXXX XXXX. They opened the investigation, and I was told they had up to XXXX days to respond. The credit union did not respond in time, and the item was deleted from the file. I received a letter from ChexSystems stating that the source has certified that reported item is accurate, therefore the it has been reinserted into my consumer file. I contacted ChexSystems and they informed me that the financial institution has XXXX days to submit certification. They never told me that information when the initial investigation was started. As a consumer I should have been advised of an accurate time frame. The credit union had XXXX days by law to verify the accuracy of the information that was being disputed. They failed to do so in a timely manner.
Consumer complaint received 2022-05-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Choice Recovery, Inc. (CA)

Choice Recovery INC reported my brother 's medical debt under my name and Social security number, we are twins, as to HOW these idiots managed to mix my name and his up much less our Socials is beyond me. I called they refused to give me information, I had my brother call and ask for supporting documents to resolve the issue and they utterly refused. Choice recovery tells me XXXX XXXX is the one that made the mistake, and then XXXX XXXX tells me it was Choice recovery so these people need to get their act together. I don't have 30 days to wait for these dudes to respond to a dispute request in fact I called and asked them to respond and they basically said they wouldn't and DENIED TO HELP ME FIX an issue they created. XXXX XXXX basically said they have 30 days to respond and will just ignore the request knowing it will drop off if they don't which is a lie because I tried disputing it before XXXX and it said it couldn't be amended off my record so I had to do it a 2nd time... I have all this documented and calls recorded so don't XXXX me around. You guys claim you didn't report it under me well see attached documents showing otherwise you XXXX* Liars. document clearly shows MY NAME AND SOCIAL not my brothers get your XXXX together.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (MI)

I completed a wire on XX/XX/XXXX in the amount of {$260000.00} from My own account at XXXX to my account at Commerica Bank. When I logged into my account on XX/XX/XXXX the money was shown available. On XX/XX/XXXX the money was shown available in my mobile banking all the way until I came into the banking center looking rough and dirty in construction atire and asked for a Cashiers Check, so that i can handle some investment transactions. The rude teller placed my funds on hold and told me that they have detected something suspicious about my wire/fraud transaction. They sent me away and told me someone will give me a call, and that that was the best that they could do. No one ever called me. They gave me a number that did not work either. Now I'm stressed out wondering what is going on with my {$260000.00}.
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TN)

XX/XX/22 XXXX $ XX/XX/XXXX I was scammed out of XXXX XXXX I filed a claim, Wells fargo & XXXX both failed to conduct an actual investigation and my money was never returned to my account. XXXX XX/XX/XXXX I was scammed again for XXXX $ from a merchant that I use often but this time around they did not deliver what I paid for. I filed a police report because of the lack of trust I have with wells fargo and XXXX to conduct an investigation to retrieve my funds. XXXX. I want my XXXX $ back or I will escalade this matter. If nothing is done I will be seeking legal help to get my money back rather its through the courts or XXXX arbitration. I work too hard for my money not to have it returned back to me.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

In accordance with with the Fair Credit Reporting Act this creditor has violated my privacy rights as a consumer. They are not reporting fair and equitable to me as a consumer with regards to privacy and confidentiality 15 USC 1681 Permissible Purpose section 602 states I have rights to privacy, 15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 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 any purpose.
Consumer complaint received 2022-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

Noted on XX/XX/XXXX, a dispute was filed with citibank with merchant XXXX XXXX XXXX XXXX on an order made on XX/XX/XXXX for {$600.00} ( order number XXXX ). The customer didn't receive most items that were ordered and when reaching out to the merchant, the merchant claims the order was " split ''. After multiple weeks pass and the customer constantly reaching out to the merchant for a resolution, the order was " esculated '' for which there was no response or a solution. Customer reached out to citi bank for assistance of the dispute on XX/XX/XXXX. Citi finalized the problem stating the customer must provide a " credit slip ''. Customer unable to obtain a credit slip as the merchant XXXX XXXX XXXX XXXX will not respond to any phone calls or email inquiry of the order. Citi claims there is nothing they can do, as a " credit slip '' is not produced. How can i produce a credit slip when the merchant will not respond to inquiry but the email chains show they acknowledge that they didn't send all the items.
Consumer complaint received 2022-05-14
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: HSBC NORTH AMERICA HOLDINGS INC. (MD)

In accordance with the Fair Credit Reporting Act, HSBC Bank 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-14
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. (NV)

In accordance with the Fair Credit Act 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 2022-05-14
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Act 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 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (NJ)

I was denied opening a bank account at XXXX XXXX in XXXX nj because early warning services reported me to them. Ive never utlitized credit in my life. I dont even have a credit score or any debt ever. I have a thin file and i havent had a bank account since 2009. The report they have is inaccurate and is detrimental to me not being able to open a bank account with my work check drawn from the same bank XXXX.
Consumer complaint received 2022-05-14
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: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act, 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 an account without my written instructions.
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (TX)

There's a person that works for XXXX that keeps hacking my account transferring money that doesn't belong to them and his name is XXXX XXXX bonds and a couple more people as well please help me figure out and stop this person he's a crazy ex boyfriend
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NY)

After depositing 5 checks into the Navy Federal Credit Union Accounts... 

1 XXXX 2 XXXX 3 XXXX 4 XXXX 5 XXXX The bank is totally mislead... 

My retirement from XXXX is due to deposit on XX/XX/22 Is pending and the Navy Federal Credit Union replied that... Some guy... ( who doesn't exist will continue the access of my online account ant my access via my dell.. 

If your office can apply necessary action... reconnect the account with my XXXX XXXX account... 

Your proffessionalism would be greatly appreciated...
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately, The cars were also auctioned off for sale by the finance company so the balance is also incorrect I have all factual documentation to backed this claim and if the bureaus do a complete and correct investigation instead of allowing these companies to tell them its correct and the investigation is complete, that is not accurate or acceptable I demand these car collections be removed from all three of my reports for XXXX XXXX XXXX  and XXXX XXXX XXXX  finance company