davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-12
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. (AL)

In accordance with the fair credit reporting act 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 an account without my written instructions.
Consumer complaint received 2022-06-12
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. (AL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NC)

U.S. Bank is holding a settlement deposit of XXXX for 10-days from my personal account. They won't tell me why but, it has caused extreme hardship. 
The deposit shows complete but, the funds only show XXXX. I have tried to get them to tell me why and release the funds. They said even though it's shows " complete '' they will continue to hold my money. 

A Manager said he'd call back and never did. 
The branch is not open for calls. I have an additional businesses account and have been a customer for a very long time. Why are they keeping me from my money? 
It says " completed '' but they are withholding it from my balance. 

I would like this investigated. 
It is clear this a deceptive practice. 

Attached is proof it is not pending anymore. 
Also attached, proof it is complete.
Consumer complaint received 2021-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

Transworld Systems Inc. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Transworld Systems sent letter on XX/XX/21 attempting to collect a debt, which is a fraudulent demand for payment by XXXX XXXX XXXX XXXX. I sent Transworld Systems a letter on XX/XX/21 stating that I do not have any responsibility for the debt. the letter was sent by certified mail ; however, Transworld Systems has not acknowledged receipt despite the USPS tracking showing that it was delivered. This debt is fraudulent demand for payment by XXXX XXXX XXXX XXXX. I provided Transworld Systems the communication I provided to XXXX XXXX XXXX XXXX that this parking charge is not my responsibility as well as their return email confirming their acceptance of the appeal and that no further action is required from me.Despite their acknowledgment that the charge is not mine, XXXX  XXXX XXXX  has sent the matter to a collection agency Transworld Systems in a clear attempt to intimidate into paying this fraudulent charge. Transworld Systems is colluding with XXXX XXXX XXXX XXXX in fraudulently charging citizens and turning these fraudulent demands for payment to collection agencies in an attempt to intimidate people into paying the false charge.
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (WA)

I had an unusually large bill this month ( {$17000.00} ) and made an early payment in order to avoid any fees. I called several times to cancel my autopay and was told that it would automatically cancel out and not hit my account. I called back a 2nd and 3rd time and was told that the payment was processing and that they couldn't stop it but would be able to issue an immediate refund once it posted. 

A second ( overpayment ) draft of {$17000.00} hit my checking account several days later and I called to request a refund. They processed the refund but told me that the refund would take 17 days. I asked them to escalate/expedite the refund but they told me that they would not do so. My mortgage and other bills are now in danger of being paid late because of their mistake, misinformation and delay in refunding my overpayment. No one in their customer service department seems to care about helping their customers.
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

This account is being reported inaccurately. This account is already PAID and with no balance. Also, XXXX  & XXXX is reporting this as CURRENT & PAID while XXXX is reporting Late 120 Days. 

I have disputed this a couple of times but never got a response from them and no proper resolution of the dispute.
Consumer complaint received 2022-05-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (IL)

Navy Federal Credit Union is violation of the following : 1.15 U.S. Code 1681s-2 1. Responsibilities of Furnishers of Information to Consumer Agencies.

a. My consumer report should be noted as " UNDER DISPUTE ''.

2. 15 U.S Code 1682g Validation of debt ( a ) ( 3 ) ( 5 ) ( e ) a. Through proper validation NAVY FEDRAL CREDIT UNION would acknowledge that they do not have an instrument or documentary evidence with my wet signature.

3.15 U.S. Code 1681c Requirements relating to information contained in consumer report a. Navy Federal Credit Union has begun the tactic of re-aging my consumer report so that they continue to make negative remarks regarding payments.
Consumer complaint received 2023-01-03
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)

I have already filed a dispute regarding this account that reports inaccurate to my Equifax report. This account has already been paid and is also updated paid to other credit bureaus XXXX and XXXX. I don't see any reason why Equifax should keep reporting this as a derogatory item on my credit report. Please Investigate this and delete it from my credit report.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (IL)

I got no notice that my credit limit decreased by over XXXX XXXX I only used 37 % of my limit. No late fees. I pay early. And pay more than the minimum. Out of nowhere now my card is maxed out with no warning or reason. I called the company. They said the credit bureau XXXX had the reason. To call them. I did that. XXXX said theres no problem with my report, its in excellent standing, and that its the company, citi, doing it. I call the company back. They have no answer for me. I had a XXXX limit. And they brought it down to where Im maxed out. I have a Citi XXXX and never will again. Ive been working so hard to keep my credit good and bring it back up to excellent standing. And now its going to go down for literally NO reason.
Consumer complaint received 2018-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I Obtained a mortgage through XXXX XXXX XXXX in XX/XX/XXXX. XXXX sold my loan to XXXX XXXX and Specialized Loan Service shortly there after. My certified mailing address was shown to be XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX recoded my address to be XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I never received any mortgage statements from XXXX as they were going to the wrong address. I learned about the error on XX/XX/XXXX when I was checking my credit and noticed a 90 day late from SLS/XXXX. On XX/XX/XXXX I made the payment to XXXX  to catch up, and set up the mortgage to be on Auto Payment Drafting from my bank account so this wouldn't happen again. SLS/XXXX 's automated phone system allowed me to do this. However, what I wasn't aware of was that, SLS/XXXX will not let you set up auto drafting for 48 hours after a phone payment is called in. So, I thought I was set - auto payments would be made and I wouldn't have to worry about this property and the above happening with XXXX again. Unfortunately, even though the automated system allowed me to set up auto payment, SLS/XXXX   didn't honor that and I received another late payment mark on my credit because the following payment never happened. So, this time, I made the payment with a live person and set up auto drafting with a live person. Which is interesting because they allowed me to set up auto drafting even though my other payment hadn't cleared ... The long and the short is, SLS/XXXX has administrative issues and consumers are getting the short end of the stick. I greatly appreciate any assistance you all can provide in disputing this derogatory mark on my credit.
Consumer complaint received 2022-11-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Previously a complaint had been submitted for the reporting of incorrect information. XXXX removed certain information fields to make the report look accurate. However by doing so they made the information being reported incomplete. How can they say an account was XXXX, XXXX, or XXXX days past due if they can't show a date of last activity? Also XXXX XXXX and XXXX have repeatedly claimed to validate the information being reported as accurate. In accordance with the FCRA I have requested copies of the documents used to validate the information being reported. I have been refused. This is a clear violation of my rights under the FCRA. FURTHERMORE, the attached documents will show that XXXX XXXX is just reporting negative information to hurt my credit score. This is obvious because different information is being reported to all XXXX agencies. Yet each agency has validated the information as accurate.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Below are a list of inaccurate names and addresses that appear on my credit report. 
There should be no variations of my name. My name is XXXX XXXX XXXX. This is how I would like it to appear on my report. My current address is XXXX XXXX XXXX XXXX GA XXXX. I have never lived at the previous addresses before. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX LA XXXX
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Below are a list of inaccurate names and addresses that appear on my credit report. 
There should be no variations of my name. My name is XXXX XXXX XXXX. This is how I would like it to appear on my report. My current address is XXXX XXXX XXXX XXXX GA XXXX. I have never lived at the previous addresses before. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX LA XXXX
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Below are a list of inaccurate names and addresses that appear on my credit report. 
There should be no variations of my name. My name is XXXX XXXX XXXX. This is how I would like it to appear on my report. My current address is XXXX XXXX XXXX XXXX GA XXXX. I have never lived at the previous addresses before. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX LA XXXX
Consumer complaint received 2020-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (CA)

i disputed this with account twice already with XXXX  seeing how their the only ones recording this unauthorized account on my credit report and asked them to provide and to follow the a ) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities and hasnt provided such detail at all to me. 




General Account Info Report Number : XXXX Date Generated : XX/XX/2020 Account XXXXCALIFORNIA BUSINESS BUREAU Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$1900.00} past due as of XX/XX/2020. 
XXXX XXXX 2020
Consumer complaint received 2024-02-06
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. (MN)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2022-06-12
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. (FL)

In accordance with the FAIR CREDIT REPORTING ACT, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under USC 15 USC 1681. 

XXXX ACCOUNT NO. 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.

15 U.S.C. 1681 c. ( 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 crime which antedates the report by more than seven years. agency can not furnish a account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (TX)

US Bank is making the process for creating automatic payments ( 'AutoPay ' ) for auto loans unduly and exceedingly burdensome, in what seems to be an effort to make more revenue from late fees at the expense of the consumer 's credit score. 

On XX/XX/2022, I got an alert from XXXX XXXX that my nearly perfect Credit Score had dropped by 32 points because I had missed a payment. I raced to my computer, pulled up XXXX XXXX, and was befuddled to see US Bank making a hit against my credit report. 

I immediately signed in the my US Bank account and was bewildered as I was sure I had set up automatic payments. As a busy startup CEO, I sometimes forget the details as I'm making life-and-death business decisions on a daily basis. But, much to my surprise, AutoPay was not turned on. My mind then raced to 3 months ago when I was in the same predicament, and realized I could not turn on US Bank 's AutoPay at this time due to owing a payment. Which is -- odd. Being a programmer by trade, I knew this wasn't a technical issue Memory coming back now, three months ago when this happened, I ended up getting so frustrated I made a {$5000.00} payment just so I wouldn't have to deal with it until after the Holidays. Well, here we are. No AutoPay, late fees in hand, plus negative 32 points on my Credit Report. 

US Bank does offer a way to download a PDF and manually put in your AutoPay information, mail it back to them, and hope that they start deducting payments on time. But when you try to actually click on the link for this PDF document, it is error 404, which is the most common error in HTTP -- a missing file. After calling US Bank and alerting them of this fact, they simply told me to try again in a few days. 

It almost feels like these series of unfortunate events were purposes set up to take advantage of those who are busy, forgetful, or unable to print PDF documents -- for the sole purpose of making more revenue off consumer fees. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
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. (SC)

n accordance with the Fair Credit Reporting act 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 2022-05-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, NJ XXXX I sent a letter to ( XXXX, XXXX ) regarding inaccurate and unknown things on my credit report. I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove the item from my credit report. I demand this account be deleted from my XXXX and Equifax or I will file ligation due to stress I've been caused. My information was also impacted by the Equifax and XXXX data breach and may have gotten to the hands of the wrong person..
Consumer complaint received 2018-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (MN)

On XX/XX/XXXX I was notified by the police that I had fraud commited on my checking account. I was on vacation and two people broke into my car and stole my checks from the glove compartment. The police arrested 2 individuals and found my checks in there car. USBank cashed the check the women forged at a local branch in Minnesota and was given the cash. The amount was {$870.00} and the teller obviously didn't catch the forgery. Both have been arrested on fraud and forgery at this time and I have provided the bank in question ( USBank ) over three weeks ago. As of today I was told that they have a process for handling this type of fraud, however thay have not started researching yet because " they are busy ''. The bank did tell me that they have received all documents I provided to them which included police report, fruad paperwork, copy of check, and letter from the XXXX County Courts.I was not given a time frame of when they will return my money or when they will start working on resolving my account. I have enclosed all supporting documents.
Consumer complaint received 2022-06-12
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: EQUIFAX, INC. (FL)

EQUIFAX INFORMATION
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX

RE: INVESTIGATION HARD INQUIRIES
15 USC 1681i
15 USC 1681b
15 USC e(b)

ON XX/XX/XXXXEQUIFAX STATES ITS AGENCY HAS COMPLETED ITS INVESTIGATION INTO EACH HARD INQUIRY. EQUIFAX ALSO STATES THEIR AGENCY HAS CONTACTED EACH CREDITOR LISTED IN MY DISPUTE 0N XX/XX/XXXX I APPRECIATE EQUIFAX INVESTIGATION INTO EACH HARD INQUIRY LISTED IN MY CONSUMER REPORT. I ALSO APPRECIATE EQUIFAX CONTACTING EACH CREDITOR TO VERIFY I GAVE MY WRITTEN CONSENT TO EACH CREDITOR TO OBTAIN A COPY OF MY CONSUMER REPORT. UNFORTUNATELY, EQUIFAX FAILED TO SEND ME ALL VERIFIABLE PROOF FROM EACH CREDITOR THEY CONTACTED, AND RECEIVED THEIR VERIFIABLE PROOF I GAVE MY CONSENT TO EACH OF THE CREDITORS TO PULL MY CONSUMER REPORT. EQUIFAX PLEASE SEND ME YOUR METHODS OF VERIFYING EACH HARD INQUIRY WITH EACH CREDITOR. EQUIFAX SEND VERIFIABLE PROOF EACH INQUIRY WAS INITIATED BY XXXX XXXX/Consumer. EQUIFAX PLEASE SEND ME EACH CREDITOR VERIFIABLE PROOF WITH MY WRITTEN CONSENT TO HAVE EACH CREDITOR OBTAIN MY CONSUMER REPORT AS SOON AS POSSIBLE.  NO LATER THAN 15 DAYS PER YOUR INVESTIGATION RESULTS. I AM ALSO REQUESTING EQUIFAX  DATA FORMS BETWEEN EACH CREDITOR WITH HARD INQUIRIES LISTED ON MY CONSUMER REPORT. PLEASE SEND ME EACH EQUIFAX AND CREDITORS ACDV-AUTOMATED CREDIT DISPUTE VERIFICATION  AUD/UDF- AUTOMATED UNIVERSAL DATA FORM.