davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-12
Product: Debt collection — Credit card 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: CITIBANK, N.A. (OR)

Today on XXXX, myself and my partner both received threatening voicemail messages from an XXXX XXXX, who was retained to deliver notarized legal documents at my residence or work place on XXXX. If he is unable to obtain a signature, the documents will be turned over to the legal department of my county, where legal action will be brought against me. He left a number of XXXX. Regarding file number XXXX. I attempted to call and gain information regarding this debt, which they described as an attempt to collect on a best buy credit card debt that was previously sent to collections. This debt was settled, and paid in full, on XXXX with XXXX XXXX XXXX, which I have a letter from, stating that my account is now satisfied. This debt has paid in full, which no longer can be collected on, even though multiple attempts have been made. Once learning about this information, I tried to call back and get information about this company, such as their mailing address and name of their organization, only to be hung up on numerous times. Eventually my number was blocked, so I used a separate line to obtain the information that I needed to submit a complaint. I spoke with XXXX XXXX on XXXX to obtain the company name of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX at XXXX. I wish that a cease and desist be brought against this company, and any others associated with this false debt, as my account has been previously paid in full. If this company, or others associated with them, continue to harass me I am left with no choice other than to bring legal action against them. This company also contacted numerous members of my family, which has also been caused unneeded stress for my family members. This has also come during a very trying time, during the COVID-19 pandemic, which has lead to unnecessary stress on me, my family, and others. I'm concerned about my mental and physical health, with the undue stress that this matter has caused. This cease and desist order, against XXXX XXXX XXXX, was issued to be effective immediately on XXXX.
Consumer complaint received 2023-10-04
Product: Credit reporting 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)

You have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX XXXX Hard Inquiry Removal Request There are a couple of inquiries made by XXXX XXXX  that should be counted once, T

her efore one of the two of the same inquiries should be removed from my credit report. The Law clearly states that : *_Multiple inquiries of the same type and made within a short period of time may only be counted once. ( Please see above ) If Companies can place ONLINE anything they want in Peoples Credit File without verification, subsequently and fairly the owner of such Credit File should be able to do the same and use ONLINE services to dispute these Companies ' claims. _ Equifax DENIED me the right to dispute a Hard inqu iry by XXXX XXXX from Online services ( Please see above )
Consumer complaint received 2023-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-06-26
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXXXXXX Account XXXX XXXX XXXXXXXX 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 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 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX NY ) XXXX Date Opened : XX/XX/XXXX Balance : {$530.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Portfolio recovery is reporting that Im in collections when Im on a payment plan on automatic debit payments, Im not late on my payment I have called and talked to them numerous times and they keep reporting inaccurate information on my credit report, I dont know what else to do about this.
Consumer complaint received 2023-08-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In 2022, my BOA checking account was fraud due to BOAs lack of management. I had to freeze this checking account and open another one. It took my a lot of efforts to update all my other automatic payments to this new checking account. Somehow my BOA credit card automatic payment was not updated with the new checking account. 

BOA did not contact me or call me regarding this issue. They closed my credit card which I had with them for 20 years, by over due {$13.00}. I think this is not a proper way of treating a loyal client who is with you over 20 years. I will appreciate someone contact to alert me.
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (IL)

WELLS FARGO claimed they emailed my monthly statement. I have no record of receiving it. This is not the first time this has happened. The last time they agreed to waive the LATE FEE and interest. This time they said it could not be done.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (AZ)

In accordance with the fair Credit reporting act, I sent this company multiple letters exercising my right to privacy, I explicitly informed them that I did not and never consented to REPORTING CONSUMER EXPERIENCE, yet this company continues to violate my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I sent this company letter on XX/XX/2023 via USPS Certified Mail # XXXX to remove this inaccurate information that has already been PAID IN FULL, yet this company is continuing to report that the account is delinquent when they have in fact already been PAID IN FULL. This company is preventing me from opening bank accounts, I have been denied over 7 times and been hit with multiple hard inquiries as a direct result of this company 's actions.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2023 I opened an account with Truist. I deposited {$1100.00} into the account. Later on that Day I XXXX a person some money, a few days later I seen that the account was locked. I goes to a branch too see why was it locked. They said that it was due to fraudulent activity on the accounts when I never used it but once. Its been almost 4 months since I have been without my money.
Consumer complaint received 2023-07-31
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. (CA)

Subject : Disputed Item Verification Request - FCRA Law, 15 USC 1681i-5 I hope this message finds you well. I am writing in regard to a recently disputed item on my credit report that you have sent back as verified. 

XXXX XXXX XXXX Report Date : XX/XX/2023 I am seeking validation and further information regarding this item in accordance with my rights of privacy under the Fair Credit Reporting Act ( FCRA ) law, 15 USC 1681i-5. 

As you are aware, the FCRA grants consumers the right to request verification and validation of any information that appears on their credit reports. I exercise this right and kindly ask that you provide me with the following information regarding the disputed item : The complete and accurate name of the creditor reporting the item. 
The exact nature of the debt or account being reported. 
The dates of account opening and, if applicable, closure. 
Any documented evidence confirming that I am indeed responsible for the debt in question. 
A copy of any contracts or agreements I allegedly entered into with the creditor. 
Proof of your compliance with FCRA procedures during the investigation process of my dispute. 
I would like to remind you that, under the FCRA law, you are obligated to provide me with this information within 30 days of receiving my dispute. If you are unable to provide the requested validation within the stipulated timeframe, I expect that the disputed item will be promptly removed from my credit report. 

Please also be aware that I am closely monitoring my credit report and any further discrepancies or inaccuracies will be brought to your attention, as it is my right to have a fair and accurate representation of my credit history. 

I appreciate your prompt attention to this matter and request that all communication regarding this dispute be made in writing for documentation purposes. I expect your response within 30 days from the date of receipt of this letter, as per the FCRA guidelines. I appreciate your cooperation in resolving this matter.
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act 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.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. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations.
Consumer complaint received 2022-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Thomas Agency, Inc. (ME)

I received a collections letter stating I owe money to XXXX XXXX XXXX XXXX, and I have never done business with this company. XXXX XXXX 's phone lines are out of service, so I went there in person. There, an employee told me that XXXX XXXX recently purchased XXXX XXXX and that many people in my area were receiving these collection notices in error. She stated that some of the older accounts were never properly closed and are mistakenly showing a balance owed to XXXX XXXX that XXXX XXXX is now attempting to collect. A representative from The Thomas Agency would not give me any information and kept repeating that they have no further information. The manager from XXXX XXXX was supposed to get in touch with me and never did. I'm concerned that this false collection amount will damage my credit and also others in my community will have the same issue. 

The letter I received is dated XX/XX/22 and was sent to my parent 's address, which I haven't used in over a decade. I called and spoke to a representative with The Thomas Agency on XX/XX/22 and I also visited XXXX XXXX XXXX that same day. 

The XXXX XXXX XXXX employee that I spoke to stated that all of these false collection attempts are for the same dollar amount : {$130.00}. It is my understanding that XXXX XXXX XXXX is aware of the issue and not taking steps to correct it. The Thomas Agency may also be aware that the money they are attempting to collect is illegitimate, but they refused to give me any information.
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (CA)

My adjustable rate mortgage was initially with New York Community Bank ( NYCB ). It was transferred to Flagstar Bank on or around XXXX of XXXX. The interest rate on my loan adjusts every year on XX/XX/XXXX. My loan amount for XXXX ( XX/XX/XXXX - XX/XX/XXXX ) was set at 3 % by NYCB. 

On XX/XX/XXXX, my loan adjusted the maximum of 2 % per year to a new rate of 5 %. My first mortgage statement received from Flagstar for XX/XX/XXXX correctly showed a 5 % rate. However, my next statement received from Flagstar for XX/XX/XXXX incorrectly shows a SECOND adjustment in as many months to 7 %. 

I have tried mu

ltiple ti mes to correct this with Flagstar waiting on hold for hours, getting cut off, transferred, etc. I have been told comments such as " Well your maximum rate is higher than 7 % so it s hould be accurate '', etc. Flagstar i s at this point intentiona lly avoiding resea
rching the issue causing me to waste hours of time, causing me severe stress, and now threating to destroy my credit. If they have made this mistake with me, they have made this with many more people.

Please help.
Consumer complaint received 2022-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I sent an Affidavit of Truth/Affidavit of Response for cease and desist, with conditional terms. Correspondence was to be by phone and after the conversation a letter was to be sent to me about what we discussed, written information to be mailed about the outcome from the Affidavit. I mailed the certified letter XXXX to USAA Federal Savings Bank. This information is concerning consumer loan XXXX account. I notified USAA, no adverse action is to be taken while this dispute is being settled. USAA deceived me at the time of the transaction was made and the account was opened. There are laws to protect consumers, which USAA is not following. 12 CFR 1026 ( 1 ) General disclosure requirements. Also 15 USC 6802 ( b ) ( B ) I have to be givent he opportunity to OPT Out. I was not given this disclosure any disclosures to OPt Out. After knowing that USAA is not honoring the laws, codes, and regulations I want them to be held accountable. In the Affidavit, I requested the documentary evidence, books of account, 15 USC 44. USAA sent me a debt validation letter, knowing that is not what I asked for. I have a right to get this information and I am acting in good faith trying to clear this matter. The affidavit included a Billing Error Dispute. I mailed the coupon from the statement from USAA, which is a negotiable instrument UCC 3-104. That was for XX/XX/2022 payment I wrote on the coupon Pay to the order of without recourse, and signed the back of the coupon. UCC 3-603 Tender of payment can be used to satisy a debt. Also UCC 3-306 Claims to an instrument. UCC 3-301 Person Entitled to Enforce Instrument. USAA is ignoring these laws, codes and regulations. These are laws put in place to protect a consumer. I received a letter from XXXX XXXX ( Manager, Bank Advocacy ) USAA Federal Savings Bank. In her letter she states XXXX finalized the loan and the paperwork was sent to me. The manager, states as of XX/XX/2022 XXXX XXXX XXXX began making outbound calls to inform me of the past-due amount. Why would that department be calling on the due date XX/XX/2022 when the payment is not considered late until after XXXX? The dates are listed on the coupon each month. I can say XXXX  did not call me and no message was left on my phone. Why are they not telling the truth? I did not request a VOD as XXXX stated I requested documentary evidence, books of account. XXXX stated my coupon was not an acceptable form of payment. She also states they did not violate any code, laws, or regulations regarding the account. XXXX XXXX XXXX verified XXXX  verified that collection attempts made by XXXX  were appropriate. I want to see how they verified this. 

At the present I have mailed the Coupon for XX/XX/2022. 

I am uploading a copy of Affidavit and the letter from XXXX XXXX
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (OH)

I went on XXXX XXXX to check my credit score on Tuesday, XX/XX/2023, because I have to keep an eye on it and see how it's doing every couple months. I have no loans, credit cards or any kind of obligations other than utilities or doctors visits and I will not take anything on credit ever again if I can help it. I just completed a XXXX  XXXX in XX/XX/2023. That being said, I have been receiving an astronomical amount of mail with offers from car dealerships, credit card companies and loan officers with their hopes of my acceptance. I just throw them in the trash. 

On XXXX XXXX today I noticed there was 1 hard inquiry where there were none before, mind you I have applied for nothing in almost 2 years or more. The site has changed some and I couldn't click directly on it so I tried another way and it looked like it was XXXX  XXXX, which is XXXX of the biggest harassers I have. So, this begs the question, did XXXX XXXX do an inquiry without my consent? or Did someone else dig one of they're mailings addressed to me out of the trash and apply in my name? 

Fraud? vs Scam? I would sure appreciate someone looking into this for me. I just cleaned everything up on my credit report and want to keep it that way. I would like that inquiry mark removed because it wasn't me. 

Thank you
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. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.