davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
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. (CA)

In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1. XXXX ACCT # XXXX, Has violated my rights 2. XXXX XXXX  XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.C.S 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions
Consumer complaint received 2022-04-29
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. (OH)

My name is XXXX XXXX. I am a real person. I have tried to fix my problems with XXXX and the other credit bureaus. They have continued to fail to be compliant. Ive let them know about my rights and the laws several times and each time they dismiss me as if i don't know what I'm talking about. Ive been studying they law and my rights as a consumer for over 3 years. 
They continue to furnish false and incorrect information on my credit report. I have told them the accounts below arent mine and need to be deleted immediately. However instead of deleting, they have just updated the account. I will take this matter into further action if they fail to delete the accounts from my report. 
They continue to violate my rights by furnishing information on my credit report without my written instructions and consent according to 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent. 
Also they continue to contact furnishers about information they claim is about me, & releasing information about me to the furnishers when I have gave them NO permission to do so. Ive told them several times these accounts ARE NOT MINE. But they still continue to contact furnishers to validate information about me and has continued to violate my rights and laws by doing so. 
According to 1
5 U.S.C section 602 A states i have the right to privacy. Also according to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not fu

rnish 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section also 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 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, Has violated my rights . These inquiries are unauthorized and ARE NOT MINE and should be deleted IMMEDIATELY! As well as the accounts below! 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX  XXXX Account # XXXX XXXX XXXX, has violated my rights. 

XXXX Account # XXXX of ED has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX. XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights.
Consumer complaint received 2022-01-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OK)

Today ace cash express tried to lie and say I was charged with bank fraud because Im unable to pay the collector. They after like they were with the court and going to have me arrested and charged with a crime
Consumer complaint received 2019-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (DE)

I and my husband have few accounts with Discover bank. Checking account with debit card although has my husband 's name on it has my social security deposited into it. I exclusively manage all accounts. From that checking account I instituted monthly payment for my car to XXXX XXXX in the amount of {$500.00} to reach by a due date of XX/XX/XXXX of each month. For some unknown reason payment in XX/XX/2019 was not made on time and I made an order for electronic payment on XX/XX/2019. Discover usually mails a check. That belated checked XXXX attempted to cash twice until I called them and told them that since they received an electronic transfer there is not money to cash the check because funds were exhausted in that electronic transfer. Yet Discover mailed me by mail and through secure message center on line sent me notices about " insufficient funds. '' XX/XX/XXXX payment was cancelled altogether although Discover claims that it was me or my husband who cancelled the payment which is a lie. At this point it is clear that Discover acts as a fraudster.
Consumer complaint received 2020-05-13
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. (VA)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent to XXXX  proof of my identity like social security card and drivers license proving what my name is. I'm still getting correspondences and they are reporting the incorrect name. 

Wrong name : XXXX XXXX XXXX Correct name : XXXX XXXX
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$590.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

They're reporting inaccurate information. When i'm asked verification questions none it matches up to what they're reporting so i fail. I've tried contacting them but all they offer is automated service. You can not talk to a human. They have me associated with someone else, my loan date is wrong, people and addresses listed that i'm not aware of. This causes me to fail the verification question process with financial institutions. All 3 bureaus
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There are incorrect Information reporting on my credit report. There are fraud accounts reporting and incorrect personal Information. 

Incorrect Address Information : XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX The following account is reporting as a result of fraud : - XXXX XXXX XXXX XXXX & Equifax ) ; Bal : {$640.00} - XXXX XXXXXXXX XXXX XXXX - ( XXXX ) ; Bal : {$270.00} - XXXX XXXX ( XXXX ) ; Bal : {$0.00} - XXXX XXXX XXXX - XXXX XXXX  ) ; Bal : {$990.00} The following public records are not mine : Chapter XXXX - Dismissed XXXX date : XX/XX/2015
Consumer complaint received 2018-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I sent out a notice asking portfolio recovery associates to validate the debt they are trying to say I owe, I specifically asked for them to provide me with my signature where I agreed to pay the creditor, however they in return only sent me a copy of a bill without any validation
Consumer complaint received 2018-02-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

Cease and Desist Please be advised that per American Jurisprudence, 73 Amer Jur 2d, Sect 90-93, your company can not subrograte on any legal and binding contract that you were not originally on, did not have any interest to protect and then claim successor in rights and interests. 

Please send any and all validating information as to this debt, any form of id, signatures that I have signed with National Credit Systems , Inc in regards to XXXX. 

When XXXX sold the debt they gave up their rights to collect on said debt, but they did not and can not give away those same rights to ANY collection agencies.

National Credit Systems , Inc, can not act as a substitute for the original creditor.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NY)

After viewing my credit report I found late payments that I would like to remove from my credit report. I have made notification that late payment pertaining to this account is inaccurate and violates 15 USC 1681s-2 ( a ) ( 1 ) ( 8 ). This violates my rights as a consumer. Please remove the late payments.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (CO)

On XX/XX/2020 I called BBVA customer service at XXXX XXXX  to voice my frustration about a late fee they had assessed will their bills did not allow adequate turnaround time to pay an unexpected annual fee, and spoke with a representative for 32mins and 57 seconds ( including hold times ) regarding my concern. The representaive stated the late fee on the bill plus another late fee not yet billed were removed. I asked that my account be closed, and the representative stated I had to go online, print a paper form, fill it out, and mail it in - I did just that. On a subsequent letter dated XX/XX/2020 BBVA confirmed my account was closed and confirmed my account balance was {$0.00} XXXX see attached ). I believed the matter to be closed until on XX/XX/2020 I went to close my savings account which had been used to secure the credit card mentioned above. Neither the bank teller nor manager could explain why {$110.00} had been deducted by the credit card side of the company on XX/XX/2020. I called the card customer service at XXXX and spoke for 19 minutes, and had to call a separate department at XXXX for over 45 minutes. Between these two representatives, I learned that BBVA decided to reverse the late fee removal, allow additional late fees to accrue totalling {$110.00}, and change the status of my closed account from " Closed by Consumer '' to " Collection/Chargeoff ''. This was done without my awareness and without any letter or phone call to me whatsoever. After the representatives both consulted their managers, I was given an apology and told the bank would return my {$110.00} within 5-7 business days. On XX/XX/2020 I was left a voicemail by XXXX with the BBVA Client Care Solutions Department and told that she determined this was not a banking error and that I would not get a refund. I tried to contact her by phone and email, but never was able to reach her nor get a return call/email. How is {$110.00} in late fees in XXXX without documentation even justifiable for a {$40.00} annual fee that was paid immediately upon receiving their bill XXXX XX/XX/2020 ), let alone the fact they reported to me in writing that my account balance was both {$0.00} AND now closed on XX/XX/2020? They said one thing on phone, but are trying to rip me off in reality. Please hold the bank accountable and help me get the refund of {$110.00} of bogus fees! Thanks so much!!
Consumer complaint received 2024-03-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (TX)

My loan was never serviced by Shellpoint/Newrez . The loan in question was paid in full by XXXXXXXX XXXX  ( to XXXX ) in XXXX of XXXX, there was no balance when Shellpoint purchased the loan infomation from XXXX. No payments were ever made to Shellpoint, no balance ever carried. My credit report shows past due payments of 180 days reported XX/XX/XXXX. I have never been late on any mortgage payments, with any lender. Having this information on my credit report has caused my husband and I stress, and has significantly decreased our credit scores. I have never received any statements, bills or letters regarding a mortgage balance or late payments. 

Contact was made to Shellpoint on XX/XX/XXXX where the agent said she was requesting removal and it should show with the credit bureaus within 30 days. 

XX/XX/XXXX Called again and spoke to an agent that also said that there was no information available to suggest I had ever owed a balance. Was advised to submit request through email, notes were also made on my account. 

XX/XX/XXXX follow up email sent, no response
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My complaint is with Bank of America. They are saying that I have one missed payment from 2018 which is untrue. My account was closed and they shut down my online account and stop sending me bills in the mail after I paid them off. Little that I know that they added a {$1.00} worth of interest and when I found out that it was late I had no way to get into my account because they had shut everything down. I eventually got the {$1.00} paid but now it shows up on my credit report that I have one missed payment from 2018 and it's affecting my report. I do not find it fair that this is on my credit report when there was nothing I could do to pay the interest rate because they closed my account and wouldn't let me in. Not to mention I didn't know I owe {$1.00} because they never sent me anything in the mail saying I did.
Consumer complaint received 2020-06-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I went to XXXX XXXX XXXX in person to obtain a written letter stating I did not have a car loan with them. That letter was submitted to Experian/upload about a month ago. Im getting a notification saying the company is still saying the information on my credit is accurate and wasnt removed. It appears theres a person with my same name but hes social security and passport are different. When I spoke with the bank management I gave them my passport and social security to prove them I wasnt the person on that account.
Consumer complaint received 2019-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a letter from BOA dated XX/XX/2019 stating that my issue was resolved and that no further action was needed on my part. It also stated that they would contact the credit bureaus to have them delete the account on my file. Its been three weeks already since that time. I submitted the letters to the credit bureaus myself and XXXX  told me today XX/XX/2019 that Bank of America DENIED the letter that they themselves sent to me. This company is playing games and that account was reported on my file again this month which resulted in my credit score going down again. Please assist. 
( I have a complaint that was already resolved that should be on file )
Consumer complaint received 2021-01-27
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/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2018-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IA)

Here is the exact email I sent to Coinbase to figure out where my {$1500.00} wire transfer is. It was completed by my bank on XX/XX/17 and I have still not yet received my funds. This is unacceptable and I believe your Bureau has had to deal with this many times : Hello, My name is XXXX XXXX XXXX. I sent a wire transfer on the date of XX/XX/2017 and have not received funds in my coinable/XXXX account. The wire was sent from a bank located in the United States for {$1500.00} and should be credited to my account already. I understand that your company has been struggling to keep up with these wires transfers but I've seen on XXXX forums that international users have gotten their wires deposited into their account in a few business days. It has been too long and I want to know where my funds are. I work closely with the office of the ombudsperson at the XXXX XXXX XXXX  and do not want to take this case to the next level. It would truly be a burden for the both of us. So if you could please look into the situation as soon as possible I would be more than grateful. If not, I will have to take legal action. 

Thank you, XXXX XXXX XXXX This was the first email. Ive sent multiple emails and only get automated responses about a specialist looking into it. But no results yet and it has been over a month. Ive emailed, called, and posted to forums many times but have not yet received my funds. I am a XXXX XXXX   and that money is very important to me to survive and be able to pay for school. I need it ASAP to cover
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Previously filed complaints not resolved. The wrong name, XXXX XXXX, with an address in XXXX still show-up on my credit report. The fact that the false collection shown by these agencies is now removed, doesn't nothing to fix the underlying problem. The next time this XXXX  has a late charge or collection it will again show-up on my credit report because her information is falsely shown on my credit report!
Consumer complaint received 2023-04-01
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX Balance {$0.00}.
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (MN)

My wife received numerous calls asking for personal information. They would not identify themselves or what company they were from. My wife asked for a supervisor and the supervisor identified themselves as US Bank only after repeated questioning. We did not give them any info. I contacted US Bank and have no issues with any of my US Bank accounts. US Bank said they never contact people by phone over issues and thaqt this was fraud. Fraud telephone number is XXXX. 

Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (MA)

I closed an account in 2021 and had only a few dollars on it. I told them to take the money from the card I had normally paid from, and assumed they did for the past 2-3 years. Turns out they did not do that and are now charging me XXXX dollars. This is unacceptable and predatory business practices