davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CO)

For the last 4 years, I have a checking account with US Bank, which I seldom use. For the first time ever and most likely last, I encountered a negative balance because I accidentally specified the US Bank account as the account to pay my credit card balance. This is where I found about the deceptive, predatory, cunning money making practice of US Bank through overdraft fees. So I got email alert that my account has negative balance because of the credit card payment. I immediately transferred money from XXXX XXXX account into US Bank account to bring my balance positive. But it took 3 business days for funds to post to my US Bank account. During these 3 business days I found out about the disgusting tactic of US Bank for the first time to prey upon unsuspecting consumers and snatch their hard-earned money. They were charging me a overdraft fee of {$36.00} every day until my account balance became positive. Here 's how they did it. The very first time my account went negative balance, I got charged my first overdraft fee. The transaction was cancelled but then the same transaction got initiated 2 more times automatically and subsequently charging me {$36.00} in overdraft fee each time. And worst thing was that my credit card account was not even paid. Every time the money returned to my US BANK checking account. I have banked with other banks including XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX and none have ever done this scam ever in the name of overdraft. They charged a one-time overdraft fee and cancelled transactions. But US Bank kept automatically initiating that transaction and made a total of {$140.00} from an economic hardship suffering account holder in the deceptive practice. I was furious and called their customer service. After being on hold for 1 hour and 7 minutes, I got connected to an agent. After spending another 39 minutes with the agent, I only got one of 4 overdraft fees reversed. I filed complaint with XXXX XXXX XXXX and instead of fixing problem, US bank after 3 weeks sent me a letter that they did the right thing and instead sent me 50 or more pages of their phony agreements and marketing stuff, asking to open savings and credit card accounts to link to checking account for overdraft protection. This company keeps bragging about being the most ethical bank but their practice in my experience has been worst than XXXX XXXX and other banks. I simply want the unjust overdraft charges reversed. Please see attached image of transaction details. It is evident that they kept authorizing the same transaction to make money in overdraft fee where no other bank I have account with does that.
Consumer complaint received 2022-05-26
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. (SC)

XXXX XXXX XXXX XXXX Dates : XX/XX/2020 Amounts : {$7300.00} In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-10-16
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. (FL)

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings (CA)

Received letter XX/XX/XXXX sent letter and they received debt validation letter XX/XX/XXXX. They contacted me XX/XX/XXXX at XXXX requesting payment. They are supposed to stop collecting until they send the debt validation. They reached out to me and family members. I called at XXXX XXXX and they would not let me speak kept talking over me I told them I would verify my personal information and they kept asking me is this for the XXXX XXXX account. I gave him my name my birthdate and asked him what else he wanted and he kept asking me if this was the XXXX XXXX account.
Consumer complaint received 2022-05-26
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. (WI)

In accordance with the Fair Credit Reporting act XXXX  / XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-25
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: EQUIFAX, INC. (GA)

Equifax stated XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX XXXXXXXX XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last activity is inaccurate, and the date last reported is not accurate, high balance inaccurate, last verified inaccurate, closed date inaccurate. This is grounds for removal. THE FCRA LAW STATE EVERYTHING HAS TO BE 100 % ACCURATE OR THE ACCOUNT HAS TO BE REMOVED. EQUIFAX HAS NOT CONDUCTED A PROPER INVESTIGATION BECAUSE THERE ARE INACCURATE ACCOUNTS ON MY CREDIT REPORT. Equifax ( PERSON ) has violated MY CONSUMER RIGHTS UNDER 15 U.S. Code 1681b ( a ) ( 2 ). I the consumer never gave my written permission to Equifax the person to furnish anything on my consumer report. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EQUIFAX HAS ALSO NOT FURNISHED THE ACCOUNTS ACCURATELY ACCORDING TO METRO 2 COMPLIANCE STANDARDS. SEE ATTACHED LETTER.
Consumer complaint received 2017-03-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (IL)

US Bank : XXXX/XXXX/17 : Trying to make a payment in my fraudelent accounts and being rerouted from XXXX department to another. Making my account even more debt, and no resolution and no result. Not liable to this accounts : Reserve Line XXXX and Credit Card ending in XXXX with adding late fees and interest charges and cash advances when not making purchases, making payments and not responding to my requests & disputes & messages and only rerouting, and blaming XXXX department to another. Thanks.
Consumer complaint received 2022-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

This complaint is a follow up to complaint number XXXX. 

Wells Fargo Bank NA did not address the main point of the above referenced complaint in their letters of XX/XX/XXXX & XXXX, XXXX. I did respond to their letters, on XX/XX/XXXX, pointing out their failure to understand and address my complaint, which is the refusal of Wells Fargo to recognize that the facts as presented to them, have created a dispute about the unauthorized electronic transfer of funds, as described in Regulation E of the 1978 EFTA. 

I am awaiting a reply from Wells Fargo to my letter dated, XX/XX/XXXX requesting that the bank accept the legal fact that, under Regulation E, there is a dispute between a financial institution and a poor American consumer.

Up to the date of the filing of this complaint, Wells Fargo has not responded to my reply to their letters. Therefore, I am requesting that the relevant authority at the cfpb, issue a notice of charges alleging a violation of the consumer protection statue, known as Regulation E, which forms part of the Federal EFTA of 1978. My prayer is that such a notice would initiate an Administrative Adjudication Proceeding before the Administrative Agency Tribunal as soon as possible. 

It has been almost one year since the unauthorized transfers of the {$18000.00} took place. Wells Fargo disregarded our affidavits along with other evidence showing that the transfers were not authorized by me or anyone else known to me. I provided every relevant evidence to support the type of financial situation reflected in Regulation E, the statute that assists the consumer ; However, Wells Fargo refused to reverse their decision that says, that I or someone known to me, made the transfers or authorized someone else to do so. They have declared the cases as closed. 

The purpose of this complaint is to legally make charges alleging a violation of the consumer protection statute known as Regulation E. I am looking for a ruling in my favor from an administrative judge. 

XXXX XXXX XXXX, consumer.
Consumer complaint received 2022-04-19
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2021-03-10
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: CORELOGIC INC (IL)

Since in the previous responses ( XXXX ) the company did not provide me with the documents that I requested, please draw your attention to my complaint again. 
There are unknown hard inquiries on my credit reports. I requested for the verification of the inquiries and the method of verification. These inqueries belong to the TELETRACK, XX/XX/2020, XX/XX/2020. For the first time no response came in 15 days. The company did not provide the following proof : Permissible Purpose, My written authorization, Proof that I personally initiated these inquiry.
Consumer complaint received 2021-03-10
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: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2022-05-25
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. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK (NC)

A couple of years ago, I had a catastrophic event that prevented me from paying my Discover card bill. They quickly snowballed my minimum payment amount to well over {$1000.00}, which wasn't feasible when I couldn't even make the regular minimum payment. 
I called several times to try to work with them, but they wouldn't accept a lower payment. Finally they transferred me over to internal collections, who breezed through three different payment plans, discouraged questions, and refused to send me anything in writing, telling me that it was a " one-time offer. '' I refused to agree to anything without being given something in writing beforehand, so she hung up on me. 
I then found out that Discover reported me as deceased. I have tried to contact Discover to correct the issue, and I have reported the error to XXXX  and XXXX, but I have not been able to remove the " Deceased '' designation from my file. This has resulted in multiple negative impacts - making it difficult to resolve accounts, only being able to qualify for a ridiculously high interest rate on a car loan, and being denied a secured card to help improve my credit scores.
Consumer complaint received 2022-02-11
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)

I do not validate the debt that this organization is continuously seeking. As the original creditor and consumer, according to congress I have the right to validate any debt from lines of credit that I have granted myself. This is in reference to 15 U.S. Code Section 1692e.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma (NY)

I deposited 2000 dollars and it was sent from my XXXX  account immediate transfer. Days later they can not tell me why there is still a hold on the money. Money that is transferred immediately should be like cash deposited into the account. 

I called twice and they don't seem to understand what I am talking about In addition they are declining my transactions without any cause even though the money is in there which I have heard lowers one credit score. 

I do have screen shots and recordings of this happening
Consumer complaint received 2022-02-11
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. (TX)

FCRA violations never late : XXXX XXXX XXXX address not mine FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this
Consumer complaint received 2022-05-25
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 Report Act- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTotal XXXX XXXX These companies have violated my rights 15 USC 1681 section 602 8 states I have a right to privacy.

15 USC 1681 section 604 A section 2 i, also states a consumer reporting agency can not furnish my account without my written instructions
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (CA)

I open an account in XX/XX/2020 I paid a high amount to be able to get approved a initiation fee, paid in full I have not use the card or have received an account statement on this account after a year I see i have a balance of {$80.00} I see it because I monitor my credit I call the number on the account which is phone # XXXX they do not answer that the only number I have I left multiple voice messages after a few days no more than 5 I get notice of this account been reported late I have not use this account the balance has been {$0.00} how can I talk to them now that I am in a collection they have a real number which I Just called and they refuse to delete this account. I am working with an XXXX Loan and I got a response today that they denied me the loan because my credit drop XXXX points I am going to loose my business because of this company.
Consumer complaint received 2022-08-24
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. (IL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion EMPLOYER : XXXX XXXX XXXX XXXX XXXX, IL ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Collections : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX EMPLOYER : VA XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, WI XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXM XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : UNKNOWN RETIRED XXXX XXXX ADDRESS : XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX Inquiry : XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (NY)

I do not have a legal binding contract with L J ROSS ASSOCIATES, If they are licensed to collect a debt, please send me your license to collect a debt in New York State. you purchased this as a debt collection device to make money as a debt collector. You have 5 days to respond with a statement of account with a XXXX balance and remove any and all off my credit report. Failure to respond in 5 days is acceptance and failure to cure your dishonor will recieve notice and demand for XXXX in damages for violations included : Fraud, Extortion, Denial of Right to happiness and privacy, Dishonor in commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violation, FDCPA violations.
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

TransUnion credit reporting service is charging my credit card {$27.00} per month and has refused to cancel my account. I tried to log into my account online on XX/XX/XXXX but it would not log me in. I tried the " forgot my login information '' button, entered my social security number twice and last name as indicated, and it blanked the fields. I tried again multiple times and it did the same thing. Today, XX/XX/XXXX, I tried that same process again and it failed again. I then called the TransUnion customer support number. The automated system asked me approximately ten questions to verify my identity, all personal information, which I answered correctly. It then patched me through to " XXXX XXXX, who I told to cancel my account. When he began asking me questions about why, and so forth, I told XXXX not to ask my sales questions but to simply cancel my account now. XXXX replied that their system was at that time going through a " system upgrade '' and that my account could not be pulled up. I insisted that XXXX and TransUnion close my account immediately. XXXX hung up on me. It is not believable that TransUnion would make its customer account information unavailable to its service representatives during business hours when TransUnion advertises that their customer service lines are available. Nor is it believable that my account information would not be available when the automated phone system had just accessed a great deal of my confidential personal information to verify my identity.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$350.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX Opened : XXXX : {$370.00} showing on my credit report.
Consumer complaint received 2022-05-25
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. (WI)

In accordance with the Fair Credit Reporting act XXXX LOAN Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions