davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Account number XXXX Account status Open Date opened XX/XX/XXXX Account type FHA Mortgage The credit bureaus and this company has violated my rights under the CARES ACT and COVID-19 Pandemic.Under the FCRA passed by Congress 15 U.S 1681 B -.

Permissible purposes of consumer reports 15 U.S 1681 - Congressional findings and statements of purpose.

15.U.S 1681 C - Requirements relating to information contained in consumer Reports The credit bureaus have violated my rights under all these laws. 


Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card The credit bureaus and this company has violated my rights under the Under the CARES ACT. It must be deleted Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Collection The credit bureaus and this company has violated my rights under the HIPPA act. It must be deleted. 
XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX The credit bureaus has violated my rights under the FRCA and the CARES ACT, and have caused me undue stress and phycological pain Under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s2 ( a ) ( 1 ) ( F ) ( i ) ( I ).

They have not been reporting inaccurate information. Under Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation. They have been reporting inaccurate information. Under the CARES ACT : If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. If the credit obligation or account was delinquent before the accommodation, during the accommodation the furnisher can not advance the delinquent status. They have been reporting inaccurate information, and have not followed the law. Also, whenever the credit bureaus and furnishers provide information on a consumer, they have the obligations related to the accuracy and integrity of the information they furnish under the FCRA and Regulation V. The credit bureaus have failed and they have been reporting inaccurate information. To ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider ALL of the trade line information they furnish that reflects a consumers status as well as the credit bureaus and they have failed in this regard.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

There is a XXXX XXXX credit card for {$200.00} hours XXXX XX/XX/2019 This account does not belong to me. Requested for it to be deleted.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To whom it may concern, In XX/XX/XXXX I prepaid ( with my own funds ) for a capital one prepaid visa. This was for the purposes of needing emergency funds. This was my money. It was never a credit card nor was it any responsibility for Capital One to provide any credit to me. 

When I finally tried to use the card, it was declined ( it was my own money so I'm sure you can imagine how frustrating that would be ( and embarassing because I was at my doctor 's office in front of many other people. 

It wasn't until XX/XX/XXXX that there was a misunderstanding on my part. I received many many months of junk mail from Capital One and continued to toss it in the recycling bin each month. Unfortunately, I wasn't paying attention ( my mom died and I was XXXX XXXX for which I have medical confirmation if needed ). With all of their junk mail, I didn't see the mail with a {$55.00} charge until it was too late. Capital One reported a 30 day late notice on {$55.00}. 
You will notice on my credit report, that I don't have any other 30 day lates so it's not like I'm a deadbeat who doesn't pay her bills. I've asked Capital One to remove it 2 times given the minor oversight on my part and the fact that it's only {$55.00}. They will not. I've asked the credit bureaus to try and remove. They will not because Capital One says it's a valid report. Capital One says they are required to report it due to the Fair Credit Reporting Act. Well, for {$55.00}, it's about as unfair as unfair could be. Which is ironic since they are hiding behind the " FAIR '' Credit Reporting Act. 
My request to you is this : Can you please find a way to remove the {$55.00} Capital One- 30 day late? For the past 2 years, it has greatly impacted my ability to get a car loan, home loan, credit cards ( up until this year ). I understand I made a mistake but for {$55.00} it's costing me thousands of dollars in terms of car loan % rates. Again, this was my money all along ( other than the {$55.00} ). They EARNED INTEREST ON MY MONEY for 16 months until XX/XX/XXXX and then again for another 2 years, with no risk on their part at all. Again, this is not fair. 
Thank you for your assistance in this manner, XXXX XXXX XXXX
Consumer complaint received 2021-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

Several of my accounts were suspended by this financial institution without any warning or notice.Therefore, I am unable to access any of my accounts to fix the issues since they said the accounts are being investigated. 

HSBC, the previous institution, was bought over by one XXXX XXXX.Never had an issue with the previous bank even though the accounts were open for several years. 

Then they closed my credit lines -since I am not able to access any of these accounts even though I never had any issues with fulfilling my obligations, with regards to my incremental payments. 

And to top it all off, they reported my account to the credit bureau as though I had missed a payment.This has adversely affected my XXXX XXXX, and as a result, my ability to borrow and use capital. 
I also suspect that they may have also sold my account information to debt collections. 
I had three main accounts with this institution-HSBC -Checking -Savings -Select Credit And the credit card account.
Consumer complaint received 2018-10-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Financial Credit Service, Inc. (TX)

I received a voicemail at XXXX on XX/XX/2018. The phone call was in reference to my husband debt. The voicemail never mentioned me, but the representative stated every address related to him and his parents address and birthdate. They threatened to serve him legal papers at his place of employment and that further actions are being taken. I took down the number they left on my voicemail and returned a call to let them know about the matter of someone leaving a voicemail with people personal information and the representative was very matter of fact. I then asked her why was i receiving calls in relation to my husband 's accounts and she then stated " because you're his wife. '' I then informed her that no one contacted me to get permission for him to even use me as an reference. The representative then stated they didn't have to because i was his wife. I'm assuming this debt was before we got married because he and i pay our bills together now. I then informed her i didn't appreciate the voicemail that was left with people personal information included. I asked the representative was this phone call being recorded and she stated yes. I wanted it to be recorded, but she never once informed me. I then told her i no longer wanted to be contacted and she stated that i had to be contacted and i couldn't be placed on the do not call list. I feel as though my privacy as well as my husband 's and his parents privacy has been violated in every way. I even asked the representative about the privacy law and that's when she started yelling at me stating that i was just defending my husband. I then ended the call because i didn't have to be talked to like i was an animal. I have saved the voicemail if needing to be reviewed.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX is an account showing wrong late payments in my credit report .... when is not ... ... .I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
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: EQUIFAX, INC. (TX)

EQUIFAX INC. has been furnishing reports and making claims furnishing and sharing information about me without my written consent, permission or authority. These acts are depriving me of my God given right to life, privacy, right to be left alone and my right to the pursuit of happiness.
Consumer complaint received 2019-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLD KEY CREDIT, INC. (GA)

XX/XX/XXXX XX/XX/XXXX I CONTACTED THE DOCTOR PRATICE AND SPOKE XXXX, SHE STATED THAT THE XXXX   XXXX XXXX IS RETIRED AND THE PRATICE XXXX XXXX XXXX. HAS CLOSE AND NO LONGER IN BUSINESS, I WAS AND STILL A VICTICM OF IDENTY THEFT, STARTING YEAR XXXX CURRENT THE DEBIT COLLECTIONS COMPANY GOLD KEY, REPORTED 4 NEGATIVE ACCOUNTS WITH XXXX XXXX XXXX PRATICE, AND CAN NOT UPDATE WITH THE COMPANY THAT IS CLOSE, THE COMPANY XXXX IS WORKING IS A STEM CELL RESEARCH COMPANY CONTACT NUMBER XXXX ASK TO SPEAK TO XXXX., CONTACTED SECONDARY INSURANCE PORVIDER XXXX XXXX XXXX HAS NO INSURANCE CLAIMS PAID DATE CALLED XXXX FRAUD DEPT XX/XX/XXXX THEY HAVE NO RECORD OF DATES OR OPEN BILLS FOR XXXX XXXX XXXX, GOLD KEY DEBIT COLECTOR HAS REFUSE TO TALK TO ME XX/XX/XXXX.
Consumer complaint received 2022-05-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a dispute letter for late payments on 4 accounts with Transunion through the mail on XX/XX/22. I included copies of my license and social security card with the letter and it was sent from my local post office. Transunion sent me a letter back dated XX/XX/22 stating that they are refusing to investigate my dispute because they said that the letter did not come from me. Transunion gave no specific reason why they believe the letter was not sent by me. I called them on XX/XX/22, verified my identity and told them the letter was sent by me. I spoke to XXXX who told me that I had to dispute online or over the phone. I told him repeated that I did not want to do either. I told him I have the option to dispute by mail and expect an investigation based on my letter. He told me that he could not give me a specific reason as to why my letter was flagged as not being sent by me but still refused to investigate based on my letter. 

I believe that Transunion is simply sending a form letter to avoid investigating disputes. My dispute letter is valid. The items disputed need to be removed from my credit report.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was told by the counter teller that I should get a secured credit card through their bank ; Bank of America. The teller told me it was a XXXX Refundable deposit and after making a years worth of on time payments I would receive an unsecured credit card with a XXXX limit. I never received my deposit back or an unsecured credit card. I have made all payments on time and have never been late in over a year. When I asked about why I was told it was at their discretion ( Bank of America ) whom receives a refund of their deposit and an unsecured credit card. I was lied to.
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: Experian Information Solutions Inc. (NC)

I am writing to dispute the following AUTOLOAN accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
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. (TN)

In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX XXXX  XXXX account XXXX XXXX, and XXXX XXXX XXXX account XXXX XXXX have 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 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is reporting a dismissed bankruptcy that I have already sent a FTC report back on XX/XX/2021 they responded with verified. I contacted the bankruptcy courthouse and they stated they dont report to any credit reporting bureau which I attached a letter so I dont know where Transunion got this information from. I also contacted XXXX XXXX and they said they couldnt find a bankruptcy connected to my personal information. Transunion is in violation for reporting inaccuracies on my consumer report and had cause me personal damage and distress. According to 15 USC 1681c-2 any information resulting from an alleged identity theft shall be block no later than 4 business days.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo denied my fraud claim without explanation. There were several charges to a XXXX XXXX XXXX, atm withdrawals at the same place and everi charged from the same merchant. I notified Wells Fargo immediately after being discharged from the hospital. Wells Fargo never sent me text messages to ask if this was fraud. Never detected unusual activity while I was hospitalized the card was stolen. Wells Fargos policy is {$0.00} fraud liability. In the policy it states if you are hospitalized and cant report it right away they will extend when you can report it. Ive never visited this merchant nor did I make these withdrawals. Wells Fargo never temporarily credited my account. Wells Fargo cant provide me proof I made the transactions either. I never signed anything with this merchant and I didnt have the card I was sick in the hospital. I dont authorize these transactions. Wells Fargo goes against their own unauthorized policies. They waited till the 10th business day to deny the claim without explanation. Never called me to discuss the claim. I called this merchant and they dont have any proof it was me either because it wasnt and like I told them where is the proof then? No proof is available. Yet Wells Fargo doesnt take fraud seriously nor do they care for that matter. I dont authorize these withdrawals and I didnt receive anything from these transactions. Its redicules they say you authorized it when your hospitalized and had no way to authorize it. 
ATM/Debit/Prepaid Card Claim Reference Number XXXX RE : Debit Card XXXX Thank you for your patience in the time required to review your claim. We have completed our investigation of the claim regarding your Wells Fargo account XXXX. We have sent a detailed letter by mail. Please refer to the letter for more information. 
If you have further questions after receiving the letter, please call us at XXXX. Our hours are : Monday Friday, XXXX XXXX  to XXXX XXXX  or Saturday, XXXX XXXX to XXXX XXXX Eastern Time. 
Thank you for choosing Wells Fargo. 
Sincerely, Wells Fargo Claims Assistance Center
Consumer complaint received 2021-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was scammed out of my money and the bank did nothing told me since i sent it i couldnt recieve the refund of course i did because i thought i was making a investment only to find out i was being scammed or phishing how can i trust the banks protection policy if i cant recieve the stolen money from a scammer RIDICULOUS!!!
Consumer complaint received 2021-05-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Receivables Network (PA)

I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Consumer complaint received 2020-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (GA)

the companies name is Professional Debt Mediation , Inc . Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ive told them several times i had nothing to do with these charges someone used my identity and got an apartment in my name and ive said this several times ive called them in XX/XX/XXXX, sXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. that was the last time we spoke and they threatened me by saying they will take me to court when i was never responsible for the charges. all i want is for the debt to be removed/deleted from my credit report. its affected me getting a home for several years now ive disputed it several times as well. its almost 7 years old and its ruining my life. i would just like for it to be removed/deleted from my report. they also report it every single month to affect my credit.
Consumer complaint received 2023-04-08
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. (PA)

TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was told that this information was no longer on XXXX but it still is reporting. I have sent in documentation for identity theft paperwork also paperwork from other reporting agency 's stating it's not reporting. it's also reporting on Transunion as well.
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (MD)

Back in XX/XX/XXXX I was approved for Home Project Credit Card to complete a major project in my home from a lending institution. In XX/XX/XXXX I paid off the balance on the card. 

I attempted to you this card his morning ( XX/XX/XXXX ) only to discover that due to inactivity the lending institution closed the account in XX/XX/XXXX unbeknown to me. 

The same institution had some racket going on, that prompted me to give them a call back in XX/XX/XXXX I was informed at that time, that their system only showed two ( 2 ) accounts for me. 
I am disappointed that I was misinformed at the detriment of my Credit Score being affected. I strongly feel that I should have been advised at that time that the card had been closed. As a matter of fact I should have been made of the pending clousure of the account. Which could have provided me an opportunity to curtail this dilemma. 

My main concern here is my CREDIT SCORE. I should not have to suffer this setback if a lending institution decided to close its doors to me. If it was the other way around I could understand. I was at a place where I didnt need to use it so, I DIDNT ; now I need it and its not AVAILABLE!!