davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS HAS VIOLATED MY RIGHTS! THE OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-07
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: U.S. BANCORP (FL)

I've been a victim of fraudulent activity on my credit account that happened to be opening a fraud accounts under my name that doesn't belong to me. 
Date Fraud Began : XX/XX/2021 Amount : {$9200.00}
Consumer complaint received 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (VA)

My loan was transferred to BSI Financial Services and it has has caused a true hardship and has negatively impacted my financial standing. The challenge follows many problems including : ( 1 ) Inability to Pay Taxes On-Time : My escrow account is current and is fully funded. It has had sufficient cash on hand and despite this the servicer is delinquent on two separate tax accounts : ( a ) Town Taxes and ( b ) County Taxes. These are both UNRESOLVED and one payment is over one month past due. 

( 2 ) Late payment to my Homeowner 's Insurance holder : It took multiple email correspondence and many calls to customer service to extract a payment to my Insurance Agency. Moreover, I involved my Insurance Agent in calling BSI Financial prior to a payment being made days after the due date. This caused real unease because I didn't want to lose my policy nor get negatively targeted within the insurance marketplace due to 'late payment '. 

( 3 ) Incorrect PMI Deductions - BSI financial services has incorrectly charged my PMI and has incorrectly doubled my payments since my financial relationship started in XXXX. I have written and become correspondence with customer service ( via phone ) and resolution seems to be far off. Moreover, I was not told HOW this would be resolved ( i.e. would their be a check sent back to my residence or would it be deposited back into my escrow account ). 

( 4 ) Tradeline delinquency applied to my Credit File - A 30-Days past due was issued against my credit file DESPITE being a new account. This is a violation of RESPA and despite asking for a correction there was no solution. Instead, I received a written letter from a 'Complaint Resolution Specialist ' that 'the information that we have reported to the credit reporting agencies is correct. ' This action is actually illegal and it is not congruent with providing a new service account 60-days grace period. The only reason I could NOT make my loan payment is that it was only after the due date on XXXX that the account even reflected correct information. I spent over a week trying to establish an online account and didn't receive payment instructions until AFTER my XXXX due date.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST CITIZENS BANCSHARES, INC. (TX)

Emails sent to my sister in law from XXXX XXXX XXXX about my new account opened. I contacted XXXX XXXX XXXX and had them close account. 

Then I got a notification by email about me owning a new bank account with XXXX XXXX. Did the same, called them and had it closed as it was not me who opened it. 

Now I have a notification by email of an identify verification with XXXX XXXX. Trying to contact them but can't get anyone on the phone.
Consumer complaint received 2021-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

I want to put on record the forced consolidation of student loans by fedloan. I struggle with XXXX XXXX, despite XXXX serious diagnosis I have beat the odds with a lot of hard work and caring professionals. In XXXX I was partially hospitalized and went on XXXX  XXXX. I couldnt make the payments and I called them. They refused to take a lower amount. They said they would report my payments late if I couldnt pay the monthly amount. In other words would rather take nothing then something. I sent what I could but instead of applying it to past due amount they broke the payment into pieces. They put different amounts to different loans and thereby forced the account to be late. My credit plummeted. In an effort to stop the bleeding fedloan told me I can consolidate the loans. I had been fighting this option because some of loans dated back to XXXX when interest rates were low. I asked to pay a different amount it was not an option. Knowing my credit will continue to suffer I chose consolidation. Knowing I couldnt pay at the time I put it in forbearance where the XXXX style interest began. I have all the correspondence. Thru out my time with fedloan they applied payments in pieces forced me into consolidation and forbearance. I complained and went to student loan ombudsman and no one listened. NOW it is discovered I am far from the only one this happened to.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I had a dispute, they gave me provisional credit as promised, then the next day, took the credits away and gave the excuses that the reason of why they are holding the provisional credits is because if the dispute isn't resolved in my favor the credits that were given would cause my account to go over the credit line!!! When I filed the dispute I was advised I would have full use of the credits while they investigate the dispute!!!!
Consumer complaint received 2022-04-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Around XX/XX/XXXX, I applied for a HELOC with Union Bank. They told me that they felt my house would appraise for the amount I requested and that it should close within 30 days. 

At the same time, I applied for the same HELOC with another lender to see which institution could provide better terms. 

Union Bank 's process was difficult and there were long wait times between communication points. The person that I was assigned to said she didn't receive voicemails and emails that I and her co-workers sent her. 

The appraisal that Union Bank ordered came in and it was not sufficient for the amount we needed. The appraisal from the other lender came in much higher and that lender was able to help us with the amount we needed. The other lender asked us to provide written confirmation of cancellation. I requested this with 3 people at Union Bank and did not receive it.
Consumer complaint received 2021-04-05
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)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

There is a " purchase adjustment '' on my account for {$170.00} that I wasn't notified about by Capital One. It's charged to my account as of XX/XX/2020. It appears to be attached to a return to sharper image when Shaper Images website and phone weren't working. 

Capital One told me to NOT WORRY about sending the product back if the company wasn't responding. 

Sharper Image eventually sent me a coupon and admission for their error. Why did Capital One recharge me after their representative told me I didn't have to worry about sending the item back? 

And why didn't Capital One contact me if Capital One changed its mind
Consumer complaint received 2022-04-07
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXl account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX Department of Education account XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX XXXX and XXXX XXXX Bank XXXX account XXXX XXXX has violated my rights. 

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 a account without my written instruction.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: DigniFi (CO)

I have tried multiple times to get Dignifi, my bank XXXX XXXX XXXX XXXX, and XXXX ( Payment processor for my bank ) schedule some time to work together to find the missing payment that has been missing since XXXX. 

XXXX XXXX has not responded to my emails asking for this, she has not responded to my Banks emails asking for this. 

XXXX has confirmed that Dignifi Payment Processor received the payment, and forwarded it correctly to Dignifi. However Dignifi is still not cooperating in terms of locating the payment. Insisting we have not provided information that is needed, insisting that the payment was sent to the wrong address and they don't take electronic payments.

Dignifi own payment processing company opened a case asking for the payment to be investigated over a week ago, Case ID # XXXX request that Dignifi respond and we have not heard back from Dignifi. This case was provided to XXXX XXXX on XXXX.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IN)

On XX/XX/2022, I purchased an XXXX XXXX I didn't like it called Best Buy on XX/XX/XXXX to say I was not happy and was returning tv, it was picked on XX/XX/XXXX by a person named XXXX did not give me a receipt he said I would get an email, which never arrived since then I made a dispute with Best Buy and Citi Bank, called almost weekly. Now it's affecting my credit.What a nightmare will not shop at XXXX again.
Consumer complaint received 2022-04-07
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 XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX  account # XXXX, Online Information 's account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX Department of Education account XXXX XXXX XXXX XXXXt account XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX and XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights. 

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 a account without my written instruction.
Consumer complaint received 2022-04-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TX)

ENHANCED RESOURCE CENTER CALLED ME TO MY PHONE NUMBER XXXX FROM THEIR PHONE NUMBER XXXX. IT TOOK SEVERAL SECONDS FOR THE REPRESENTATIVE TO COME ONLINE, A TEL TALE SIGN OF AN XXXX. THEY REFUSED TO GIVE ME THEIR ADDRESS ( I WANTED TO DISPUTE THE DEBT THEY WERE ATTEMPTING TO COLLECT. THEY REFUSED TO GIVE ME THEIR XXXX POLICY WHEN I REQUESTED IT. I ASKED IF THEY WERE CALLING ME FROM INSIDE THE UNITED STATES, THEY TOLD ME NO. I ASKED HOW MANY TIMES HAVE THEY CALLED ME, THEY TOLD ME ONCE A DAY. THEY USED A SPOOFED NUMBER TO CALL ME FROM. 
THEY VIOLATED THE FDCPA, TFC SECTION 392, TCPA SECTION 227, AND DTPA ALONG WITH TBCC SECTION 302.301. ( See TBCC 302.302 ). THE TBCC CARRIES A {$5000.00} PER VIOLATION STATUTORY PENALTY.
Consumer complaint received 2021-05-26
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. (FL)

I'm having issues with Experian on my credit report. My rights as a consumer rights have been violated, I am highly disappointed that you refuse to follow the laws that were written by the FCRA. I have requested a thorough investigation and have asked for the original signed documents of this alleged debt. You have refused to send them and have refused to investigate this alleged debt correctly. 

Not only that you my rights as the consumer have been violated according to 15 U.S.C 1681 ( b ). Permissible purpose, 15 U.S.C. 1681b ( 2 ), in accordance with the written instructions of the consumer to whom it relates.

I Consumer, XXXX  never gave any written consent to put this alleged debt on my credit report/file.

15 U.S.C. 1681 ( a ). accuracy and fairness of my credit report.
Consumer complaint received 2020-07-23
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: Experian Information Solutions Inc. (OH)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX to remove and block these items.
Consumer complaint received 2018-12-04
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MiraMed Revenue Group LLC (AZ)

XXXX XXXX XXXX hired MiraMed Revenue Group, LLC to collect a {$57.00} debt for my young daughter rather than contacting us directly. This week MiraMed has contacted relatives of ours using a robodialer and left personal account information for my daughter on their voicemail. The automated message indicated that the person listening should hang up if they are not the parents because it contains " personal and private '' information ( I do have this recording saved ). The message continued to provide the private information on the voicemail without a prompt for consent ( for example, pressing a key to continue ). ANYONE is able to enter the reference number they provided on MiraMed 's website, mmrgpayment.com, to easily access account information with my childs name, address, debt amount, and medical creditor information. It's like openly handing out a password! Hopefully MiraMed did not contact any other third parties and provide private information about my family because it would be just as easy for them to access this private data. This goes against the Fair Debt Collection Practices Act ( 15 U.S. Code 1692c ) as they should not be disclosing private information to third parties. Additionally, I have not yet received any written notification regarding this debt.
Consumer complaint received 2020-10-30
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: C/C Financial (TX)

Date : XXXX Amount : {$4900.00} Preferred Lease made a fraudulent account under my name! 
Action : I received a XXXX police report stating that my identity has been compromised! 
I also filed a identity theft report with FTC. I freeze all my credit bureau accounts. However, XXXX  has not removed the fraudulent account from Preferred Lease. All because Preferred Lease made a fraudulent account under my name!!
Consumer complaint received 2020-08-22
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: WELLS FARGO & COMPANY (FL)

I have a loan with WELLS FARGO HOME MOR, XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, WELLS FARGO HOME MOR, XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-12-07
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. (IL)

I Reviewed my credit report on or about XX/XX/XXXX and noticed that it was several acccounts on my credit report that I did not recognize. I contacted the three major credit bureaus to get more information and I was instructed to dispute the information and I did they all responded with letters stating that the accounts were verified. I called each credit bureau individually and explained that the account were not opened by me and I had not given any autorization to anyone to open any accounts with my personal information. I was directed by each credit bureau to file a Identitiy theft report along with a police report with my local police dept. I sent them all the information requested on XX/XX/XXXX certified mail and they explained it would take upto 30 days to review the information and respond, on or about XX/XX/XXXX I called to follow up and XXXX and XXXX XXXX said they never received anything the said to resend and XXXX received it but stated all accounts were verified and I would need to send in the documentation again for re-investigation. On XX/XX/XXXX I noticed some things had been deleted from Equifax and XXXX XXXX but not all that was detailed in the FTC identity theft report and police report and XXXX nothing was deleted and I never received a response letter.
Consumer complaint received 2020-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Unable to withdraw my own funds at Bank of America ATM. I have tried on four different occasions and every time the ATM says " temporarily out of funds. '' I contacted BofA and was told my options are to go to a business and use my debit card, and request money back, or to use another ATM machine for which I would be charged. I told BofA that my friend uses XXXX ATM and has never had a problem getting money. BofA told me that they do not know anything about XXXX. I told BofA that maybe they should check with XXXX and find out how they handle their ATM 's. I have plenty of funds to withdraw and now I do not have access to my own money. The last time I tried was today, XX/XX/2020 ; the ATM will take a deposit but will not issue cash. My husband and I are high risk ; he is XXXX and I am a XXXX. Both of us are seniors.