davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
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. (AZ)

TRANSUNION XXXX. XXXX # XXXX XXXX, XXXX XXXX To Whom it may may Concern : Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXXXXXX Unverified Account U.S BANKRUPTCY COURT XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account The following public record you are reporting is also against my rights as a consumer the original furnisher/ court has informed me they dont report data to credit reports therefore you are not following the laws that govern how to report data on consumer reports only the original creditor can report data with a written consent document. You have verified this public record without proof ( written consent ) going against 15 usc 1692 ( j ). This is an infringement upon my rights and you failing to comply with these laws have ruined my reputation as a consumer. XXXX has already complied with these laws in regards to these account proof is provided on the next page. They followed these laws, why haven't you? How are you verifying this information per law? 
I demand the following accounts be deleted immediately. 
The following addresse ( s ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX and the following inquiries are also unauthorized and fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: National Screening Bureau, LLC (GA)

XX/XX/2018 I called natsb to get an update on my background check and they said they found a felony. I was only notified of this felony until XX/XX/XXXX when I called. Had I never called I would of never know they were reporting inaccurate information. I told them those charges were dropped for me and there. I asked that they need to pull the court documents to get better accurate info. She said for me to do the research and there decision may not change. I went to XXXX XXXX and read the correct information of the other person being charged and convicted and my charges being dropped. everyone involved was on the same case no. I guess natsb did not further investigation the case number and the names. 
If a company going to have full control of your lively hood they should report accurate information and if there is a problem they should be able reinvestigate in appropriate amount of time. The system is not fair. The person who is being investigated has no rights. 
Sometimes you have to view the court documents instead of the report for accurate information.
Consumer complaint received 2018-09-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (TX)

I have had this problem with BBVA Compass on more than one occasion. My most recent experience is with a transaction on XX/XX/18 for {$410.00}. It was deducted from my available balance on the XXXX with a positive balance. It was as the bank says a hard hit on the XXXX leaving an available balance, and I was still charged on overdraft fee of {$38.00} which in turn caused additional items to hit and be charged fee 's as well. The banks provides an app which they suggest you use in order to keep track of your balance. What they neglect to tell you is even though on their app it shows you have an available balance which every transaction is immediately deducted from, the actual charge is not really deducted from your account until it paid. So they give you a tool to make sure you know how much money you have and then allow you to spend that money. What they don't tell you is it's NOT they way they keep track of your available balance, which in turn allows them to access fee 's for using the tools they provide.
Consumer complaint received 2017-10-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

The problem is that no one has paid attention into how to resolve this issue. By calling the water dept ( XXXX ) provide acct # XXXX and asked about the $ XXXX payment that was paid to this acct and was returned because no bill was ever accumulated in such large amount. Therefore the funds was returned to the bank. I have outlined in my first complaint letter dated XXXX XXXX how my taxes were paid during the time frame of this matter. I would appreciate not only a phone call, but by postal mail. If they choose to call, leave a message. How would I know if they are trying to reach me. Have some common sense PLEASE. Nothing is owed these people. Before the complaint was sent to XXXX, I had not a clue where these funds went til now. If they did not receive it back, then they should back track that check number that was unveiled by the XXXX XXXX XXXX XXXX. 
XXXX XXXX
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 

XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX  Amount : {$27000.00} XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX  Amount : {$54000.00}
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Today I received a message via email that my " card information may be at risk due to a data breach at a business where you shopped recently. To help protect you from fraud and give you some peace of mind, were reissuing your card with a new account number and security code. '' I subsequently called the card issuer, Capital One Visa, and asked for the name of the merchant that suffered the data breach. I stated that I wanted to stop doing business with the company to avoid further risk to my account. The representative expressed sympathy with my concern but refused to name the company. 

Unsatisfied with this answer I asked to speak to a manager and was transferred to a fraud specialist at Capital One Visa. The manager repeatedly refused to disclose the name of the organization.

This is unacceptable. If a company fails to secure its data then customers should have the right to know about it. Capital One 's actions seem more concerned with protecting a company from the consequences of its data breach than protecting the individuals, like myself, who have actually suffered a real loss and remain concerned that we may be exposed to additional compromise. In other words, how can I be sure that the new card I have been issued won't be compromised again if I unknowingly return to the same business that caused the problem in the first place? 

Furthermore, how can I be reasonably expected to protect myself if companies merely circle the wagons and keep customers in the dark? This is about far more than just exposure of my credit card account. What else was exposed by this data breach? Capital One Visa should automatically be obligated to notify customers of a data breach so that customers like myself can mitigate losses and protect assets from all forms of data exposure. 

In closing, companies with insecure and/or badly managed data management practices should be exposed so that security minded individuals like myself can make educated decisions about the management and exposure of our data to companies we do business with. This includes credit card companies themselves. How can I protect myself from something I am not allowed to see?
Consumer complaint received 2018-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (IL)

Cavalry Portfolio Is reporting collection on my XXXX credit report. This amount may not have been report on recent Bankruptcy because this account was found to be fraudulent by a court of law and Cavalry owner in Illinois civil court. This company Cavalry is reporting this found that I was not liable and dismissed without Prejudice on XX/XX/2014 by Cavalry 's attorney 's. This amount would have been included in my Bankruptcy if it wasn't dismissed in a court of law before the bankruptcy took place.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Trans Union. I put a freeze on my credit reports with all agencies online on Sunday, XXXX XXXX, 2017. The  only problem was with TransUnion. I was asked to answer a security, my father 's middle name. In trying to access the account the security question was different, my favorite car, a question which I never would have answered. Account froze : call XXXX. I called the number on the on Tuesday morning about XXXX XXXX  The transmission was exceedingly poor and no help after asking all the questions : SS # address, etc. Then, I was given another number to call XXXX. Again a terrible transmision, same questions and no help to simply access my online account that I started. Finally, I was told to use the line number for online accounts, XXXX, but this number was not posted online. Again very poor transmission and no resolve to the online problem, but finally at XXXX, I think, they indicated that they will send me a code in 5 or 10 days. This is the only agency that put up so many road blocks to put a freeze on my credit report.
Consumer complaint received 2017-09-19
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)

Has stated before I suspect fraudulent Inquires on my Equifax Credit report. 
Now I find out Equifax was breached around the same time of many these Inquires and I was personally impacted by this breach.
Consumer complaint received 2021-09-13
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: EQUIFAX, INC. (IL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-04-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021, XX/XX/2021.
Consumer complaint received 2018-09-28
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/2018 my husband XXXX & I vacationed in the XXXX . Each morning the EURO rate was posted at the front desk. You then could calculate how much you would be spending each day. XXXX signed a few receipts ( MasterCard thru Citizens Bank ) with the " EURO exchange on the bottom of the receipt ''! Citizens Bank will not honor the exchange rate for the day. The MasterCard bill was astronomical. Why isn't the bank honoring what my husband signed his name to? They are known for no transaction fees or hidden fees. How did they arrive at that calculation for each day? 
PROBLEM : Exchange rate at hotel is different from Citizens Bank. XXXX also has a different rate for each day we were on vacation in Europe. 
3 different rates, please advise as we need assistance with this. XX/XX/18 telecom with XXXX supervisor XXXX for Bank. XX/XX/18 XXXX manager of credit dept. read from a policy on paper to my husband and the bank would not honor what XXXX signed for.
Consumer complaint received 2015-05-24
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NJ)

I am XXXX years old. I was conned into transferring money via Western Union to an individual in XXXX. The amount was {$450.00}. Below is a copy of the letter I wrote to the US Attorney General on the matter. I hope you will be able to help me get back my money and also put an end to the harassment that includes : freezing my computer, freezing my XXXX mail account, freezing my Internet while I am on it. The scam artists profess to be " certified engineers '' working for " XXXX 's XXXX XXXX XXXX. They are very clever in the proofs they offer to help individuals like me who encountered problems while using my computer. Please review the details of the letter I am attaching. The money transfer occurred on XXXX XXXX, 2015 at XXXX. from XXXX # XXXX in XXXX XXXX, XXXX, XXXX. The money was wired to XXXX XXXX in XXXX. Converstion password was " XXXX. '' Telephone contact for service was XXXX. The man you perpetrated the fraud was from " XXXX XXXX. '' Their representatives worked with me from telephone contact numbers such as : XXXX, XXXX, XXXX, and XXXX. They promised computer technical support they never provided. Instead, they took control over my computer and my programs in it. Please HELP!
Consumer complaint received 2018-09-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (KY)

On XXXX A Motion for Judgment on the Pleadings was mailed to my residence from XXXX XXXX XXXX stating that a court date had been set for XX/XX/XXXX in XXXX county District court. This was the first knowledge that a lawsuit had been filed against me. I had not been served previously with a Summons/Complaint as described by Kentucky statue. Having not been properly served, I was not afforded the time to file an answer. 

Checking with the court, the lawsuit was filed on XX/XX/2018. I had previously written a letter to XXXX XXXX XXXX stating my financial situation. The letter dated XX/XX/2018 was a letter in general and did not attest to any knowledge of a lawsuit. XXXX XXXX XXXX used this letter as an answer to an unserved summons/complaint. The letter was written over the 20 day time frame for an answer, so could not be construed as an answer. 

XXXX XXXX XXXX was granted a summary judgment on XX/XX/2018. I am disputing this action. I feel that XXXX XXXX XXXX has been granted this summary judgment using unethical methods to obtain the judgment. I have a letter from the original creditor that the debt was written off, but yet, the lawsuit stated that the original creditor was the Plaintiff.
Consumer complaint received 2018-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

on XX/XX/2018, USAA put a hold on my account due to a fraudulent check being placed into my account. The check states " PAY TO THE ORDER OF XXXX XXXX '' .. To whom I do not know also on the fraudulent check has this persons ' address for XXXX XXXX. The amount of the check was in the amount of {$2300.00} which I would have never approved.. Also on the check states XXXX XXXX XXXX XXXX. As I continue to examine this copy of the fraudulent check that USAA provided to me, states on the back ENDORED BY XXXX XXXX. With a signature that is not mine. with an account number and stating it was thru mobile app. Now this complaint is to understand that the USAA BANK should have never allowed the mobile app banking to put a fraudulent check into my account without making sure it was okay. I should not be held responsible for this check amount. USAA FEDERAL SAVINGS BANK XXXX XXXX XXXX. XXXX XXXX TX, XXXX
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

I am looking to fix the errors on my reports. There is information that is reporting that has been removed from my credit profile. But these accounts are now reappearing back on my credit. 
There is a list of accounts that I am not aware of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts are reporting incorrectly late payments. Please validate the payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Requesting disclosure of full investigation 15 u.s.c 1681d My primary email should stay the same on my account.
Consumer complaint received 2018-09-28
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. (OH)

I have pulled my report and I seen several accounts that are not mine, I received a copy of my credit report and am disputing some items that need to be corrected. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be corrected are indicated below : Item # XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Reason for Correction : I was going over my credit report because I have moved back to XXXX and I just found out that someone has been using my identity. I have never done business with these companies. I was pulling my credit to look into buying a home and I seen addresses that are not mine. I am not sure if the person is using my information is still using it. This is the first time I have been aware of the whole situation. 
According to the provisions of the Fair Credit Reporting Act? 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up. 

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of? 612 [ 15 USC? 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I XXXX XXXX A CONSUMER HAS ASKED THE 3 MAJOR CREDICT REPORTING AGENCIES TO UPDATE AND CORRECT THE INACCURATE, INCOMPLETE, AND INCORRECT INFORMATION SHOWING ON MY CREDICT REPORTS. I HAVE SENT LETTERS ON SEVERAL DATES XXXX. XXXX XXXX AND EXPERIAN HAVE COMPLETELY DISOBEYED FCRA THEY HAVE NOT REMOVED PERSONAL INFORMATION THAT NEEDS TO BE REMOVED IMMEDIATELY. XXXX, XXXX, AND EXPERIAN HAVE NOT MARKED ACCOUNTS AS DISPUTED. SO, IM REQUESTING THAT THEY DELETE ALL THE FOLLOWING ACCOUNTS AND INQUIRIES FROM MY CREDICT REPORT IMMEDIATELY.
Consumer complaint received 2024-03-01
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. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.