davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
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. (FL)

Transunion and XXXX has me listed as N/A when lenders are trying to verify my identity. When I log into my account with both credit agencies I am unable to see any of my credit information. I have extensive credit history. Transunion admits the problem is on their end and that it would take a week to merge my files. My files are now merged and I am still unable to view any information to dispute. After numerous calls to resolve this issue, I am still left unable to access my credit file and lenders are currently not able to verify my credit history. I have sent XXXX my personal documents to verify my identity as they recommended. To date I am still unable to view my credit profile online and lenders are not able to verify my credit history. I dont know what else to do to regain my credit history. This is affecting my ability to secure housing.
Consumer complaint received 2022-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (VA)

Harris and Harris company repeatedly leaves a recorded message on my work number regarding an outstanding debt. When I call ( at least three times now ) them they say they are trying to collect a debt from XXXX XXXX XXXX. My full name is XXXX XXXX XXXX. The debt is not mine. I've told them that I'm not the person they are trying to collect from. Each time they say they will correct the situation and that I won't receive any more calls. Yet, they continue to call. The number they leave for me to contact them is ( XXXX ) XXXX. 
Thank you. 

P.S. I didn't want to include my address but it wouldn't allow me to proceed without providing it. Please don't share my address with any other parties, especially Harris and Harris.
Consumer complaint received 2022-05-02
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: P.S.C., Inc (SC)

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 any debt
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting Act Capital One Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2022-10-31
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I have attached a Debt Validation letter for immediate response. Please read all of the bulleted items that I have requested based of my rights as a consumer. I need this back via Certified Mail. Please not that my name is copyrighted, so please be careful on how you use my name on any document that you send me.
Consumer complaint received 2022-05-02
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. (GA)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2015-06-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd. (IN)

for several months we are getting calls from Harris and Harris several times a week. We did call back XXXX, the debt belonged to someone else who does not live or has ever lived at that phone number. we informed them and asked them to stop -to no avail
Consumer complaint received 2022-05-02
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: JPMORGAN CHASE & CO. (GA)

Hey I have the XXXX  app downloaded on my phone with all three bureaus as a subscription. I got alerted Thursday XX/XX/XXXX about an inquiry, honestly didn't pay much attention to it being that I refinanced my house few weeks ago so I was thinking it was from that maybe, then Friday XX/XX/XXXX I got 1-2 more inquires and said let me check and I seen that XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX all pulled my credit. I called each one, and there was 2 accounts opened that day with approved credit cards and the other banks didn't approve the cards, so I instantly canceled the cards and they told me each to fill out this report. So reaching out to you all, to say those aren't my charges, I didn't authorize that. If you look into my account outside of my home mortgage I never ran hard inquires random like that.
Consumer complaint received 2022-10-31
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. (NC)

Equifax lied and is being deceptive. They responded to report XXXX and claimed they were responding to inaccuracies that I reported. This is far from the truth. They have figured out a way to manipulate your system and not have to take accountability in their responses to the CFPB complaints. 

Read for your yourself. I am attaching the document that they perjured. 

XXXX ( read complaint, then their response ) I demand an investigation
Consumer complaint received 2021-07-21
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. (TX)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2021-11-11
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. (NY)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2022-10-31
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 — Problem with personal statement of dispute
Company: PlusFour, Inc (NV)

I had medical insurance during this time which was called XXXX through Medicaid with the state of Nevada which changed to XXXX XXXX XXXX XXXX XXXX still through Medicaid. When I called Medicaid they explained this to me
Consumer complaint received 2022-05-02
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: DISCOVER BANK (GA)

Hey I have the XXXX  app downloaded on my phone with all three bureaus as a subscription. I got alerted Thursday XX/XX/XXXX about an inquiry, honestly didn't pay much attention to it being that I refinanced my house few weeks ago so I was thinking it was from that maybe, then Friday XX/XX/XXXX I got 1-2 more inquires and said let me check and I seen that XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX all pulled my credit. I called each one, and there was 2 accounts opened that day with approved credit cards and the other banks didn't approve the cards, so I instantly canceled the cards and they told me each to fill out this report. So reaching out to you all, to say those aren't my charges, I didn't authorize that. If you look into my account outside of my home mortgage I never ran hard inquires random like that.
Consumer complaint received 2022-05-02
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. (NH)

In accordance with the Fair Credit Report Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 604 A Section 2 : it states a consumer reporting agency cannon furnish a account without my written instructions. 

15 U.S.C 1681 section 602 A. states i have the right to privacy also with further research per. IRS, I learned when a cancelation of debt is {$600.00} or more a 1099-c must be filed therefore this account should no longer be listed as a charge off ; it is however income and income isn't apart of consumer report.
Consumer complaint received 2022-05-02
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. (IL)

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX Account XXXX 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 a account without my written instructions
Consumer complaint received 2022-10-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Betterment LLC (AZ)

On XX/XX/XXXX I submitted a transfer of {$170000.00} from my Betterment savings account to another savings account with better interest rates. On XX/XX/XXXX I checked my accounts and noticed the money was not there. I called Betterment and they told me the transaction was " stuck '' and it would complete in the next 2-3 business days. I checked back on XX/XX/XXXX because the funds still had not shown and they told me I needed to provide a reason for the transfer because I had just deposited the money the month before. I explained that it was because I found a better interest rate and they documented my response and said they would move forward with the transfer. I also provided this reasoning via email. I then received an email saying they were not going to complete the transfer as I requested but instead were going to return it to the original funding account. It is now over a week later and I still do not have my money and they have not provided me a timeframe on when I should expect it.
Consumer complaint received 2022-05-02
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. (IL)

In accordance with the Fair Credit Reporting act 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 2022-05-02
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 account number XXXX has violated my rights. 

XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A - States I have the right to privacy 15 U.S.C. 1681 604 A - It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NY)

To Whom It May Concern : I have not only included the letter from Barclays but I am now going to include their faulty system in which Barclays claims they sent on time and in addition sent their billing to me at all. I never received the billing for certain months. 

To add to that as stated I have and will never be able to get in touch with anyone at this institution. They refuse to pick up the phone. I just emailed the CEO and still no answers. 

I don't know how to get protected but I can't continue paying to a company in which they are not willing to fix anything and continue to not tell the truth about a computer system that doesn't work. 

They have not done their full due diligence and it does require a lot of effort and time. They should have the resources.
Consumer complaint received 2022-05-02
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account XXXX 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 a account without my written instructions
Consumer complaint received 2022-05-02
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY ()

I am XXXX XXXX, an XXXX Passport Holder and promoter of new XXXX XXXX XXXX XXXX XXXX XXXX, incorporated in the State of XXXX ( hereinafter mentioned as applicant Company ). I am also XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a XXXX established in XXXX. 51 % of shareholding of the applicant XXXX is held XXXX, 42 % by me and 7 % by XXXX XXXX. We visited Wells Fargo branch at XXXX XXXX XXXX, XXXX XXXX  XXXX for opening of Current Account in the name of the applicant Company. To my utter surprize, the lady at the counter refused to open the account with mere reason of the promoters being foreigners. The reason quoted by the gentle lady is beyond my imagination. I was really hurt with the response of the dealing gentle lady. Rather I felt cheated by making a decision of making investment in your XXXX. I wouldn't have minded, had the concerned Bank asked for any number of documents before opening the account for their due diligence. I would have gladly provided all required documents. But refusal simply on the reason of key promoters being foreigners is not at all acceptable. 
We the promoters are law abiding citizens, more so I am member of XXXX XXXX XXXX. How is it possible that a Bank of such a repute can refuse to open the account just because of the reason that the key promoters are non XXXX Nationals. 
I would like to know, is this policy of the Bank with the approval of the US Government? XXXX the XXXX side, your Govt promotes XXXX, on the other hand your Banks discourage the foreign investors.
Consumer complaint received 2022-10-31
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-11-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (NY)

I am submitting a third complaint against Key Bank. I have had excessive over draft fees taken out of my checking account in the past several months. Though it 's difficult to decipher, It looks like I moved XXXX $ to my son 's Hassle Free Account which is connected to my basic checking and that this bounced my checking account though my account was not overdrawn at all until this showed up in the ledger this morning. I have attached the forms which shows that '' Items pad that overdrew your account '' XXXX I was not overdrawn. The ledger does not reflect at any time that my account was negative. The way that Key Bank manages their accounting is not ethical. There is a note that says that Pending Items are not subject to overdraft fees but they do affect available balance. The available balance on Key Bank Accounts needs to be accurate and up to date. Key Bank is notorious for this kind of unethical accounting. This makes XXXX overdrafts fees of XXXX that I have incurred since XXXX XXXX. That is excessive overdrafting. If the bank and the CFP_ look at my attached documentation, you can see that I use this account, I have direct deposits going into this account. The money flows are consistent. The only reason my account overdrafts is the way that Key Bank debits the account. Their methods for iincurring these fees are especially effective with folks like me whose accounts become very low between pay checks. Oh and there is one more thing that has happened to me. Not only am I being punished for Key Banks Magical Accounting Methods, but now when I want to make a deposit into my account, the tellers have to ask for an override to be able to deposit money into my account. They ask for an override and a manager has to come to the desk and allow them to deposit my money. So I am not only financially punished but I am infantalized and embarrassed in the process. All of these overdrafts and this infantalizing are causing me XXXX as I ca n't afford for this to happen over and over again. I also am taking valuable time out of my day to write these complaints which is affecting my ability to do my work.
Consumer complaint received 2015-10-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

1. I am a condominium owner. My mortgage is with Bank of America The mortgagee requested flood insurance information which was provided. In spite of my coverage limit being in excess of the 100 % replacement value, BOA forced placed additional flood insurance
Consumer complaint received 2022-05-02
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. (PA)

Equifax is reporting lots of inaccuracies in my report. I have been sedning letters to since XX/XX/2021 Equifax - 1st Letter XX/XX/2021 - 2nd Letter XX/XX/2021 - 3rd Letter XX/XX/2021 - 4th Letter XX/XX/2021 It is over XXXX i still do not have a response or report of investigation, i belive nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2016-10-07
Product: Credit card — 
Issue: Other — 
Company: Synovus Bank (NJ)

I have been trying to obtain a credit balance statement from First Progress Credit. I have asked nicely, put what I needed in writing and submitted it. I have also spoken with the credit dept, managers and customer service. all I been told is its not their policy. From what I understand and I may be reading the fair credit act wrong. Though the fair credit act states that at anytime a consumer can obtain a balance statement. I am trying to get a mortgage and the company wants something from First Progress directly. They have out and refused to give my information.