davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (CA)

I am an XXXX XXXX military member who has recently returned from living overseas for 4 years. As part of my new job and heightened security clearance, I had to submit to a credit review process. During this process, I learned that I supposedly owed approximately {$300.00} to XXXX XXXX. 

On XXXX I spoke with XXXX XXXX of Unifin IncXXXX She informed me that the charge was initially a XXXX XXXX bill that went into collection. I am adamant that I paid all charges to XXXX prior to departing overseas. It would not, however, surprise me if I was subjected to a predatory account cancellation charge ( this has happened to me twice previously with cell phone companies despite doing everything within my power to ensure that the account was closed properly prior to departing and informing them of the military clause for cancelling accounts ). I asked for an itemized list of charges and was told that these would be emailed. I left 2 voicemails for XXXX on XXXX and XXXX. 

On XXXX I called back and spoke to XXXX ( ext XXXX ). I was told that my request for an itemized list of charges was under " Manager Review '' at XXXX XXXX. I was told that there was no standard for review and to expect " a few weeks or a month '' for return notice. When I asked if there was a specific standard I was told that " this information is not important. '' I have since not been successful at having anyone at XXXX, XXXX, or any other third party collection agency describe to me the nature of my alleged debt. I feel I have no recourse ( other than paying a debt I don't believe is mine ) than to request your assistance. 

The claim number for this is # XXXX and the contact # I have for the company is XXXX. 

Thank you in advance for any assistance you can provide.
Consumer complaint received 2022-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I called your department after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTION account on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this collection, including this incorrect information from my personal profile. A copy of my Utility Bill and drivers License are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX SXXXX XXXX
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom it May Concern : On a recent review of my credit report I discovered your company issued late payments on my credit report for XX/XX/XXXX. 

At the time I was living at : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX and the State of California issued mandatory stay at home orders starting XX/XX/XXXX. These mandatory stay at home orders were in effect until XX/XX/XXXX. 

I am seeking to have these late payments completely removed from my credit profile due to government mandated lockdowns and it affecting my income as a result. 

You will notice I still have this car loan, have made all payments on time before and after, and will continue to do so. 

I can be reached at the mailing address on this letter and please have this resolved within 30 days of receipt. 

Thank you for your attention to this matter.
Consumer complaint received 2022-07-17
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)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (AZ)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX Unit XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2020-06-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My auto insurance agency notified me they were unable to review my coverage because TransUnion was providing address information contrary to all other records. I attempted to get a copy of my credit record via telephone ; after 10 minutes of pushing buttons and listening to voice prompts the automated voicemail system tells me it can't release any information because my data does not match theirs. It directs me to the TransUnion website, which I must register with to obtain any information. What was not disclosed was registration to the TransUnion website automatically sucks {$27.00} out of your checking account and signs you up at monthly membership rates. What I thought was going to give me a free copy of my credit report was a deception. The subscription fees may have been hidden in the fine print in the link at the bottom of the registration page, I certainly never found it. 

Short version : TransUnion created a situation with my car insurance that they refused to fix or even give any details about until they extorted {$27.00} from the victim of their misinformation. Being a XXXX person on a very limited income, I can't afford to let this slide.
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XXXX XXXX, XXXX, I reached back out to Bank of America because they are still reporting to both XXXX and XXXX XXXX XXXX that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts at a national bank, but is also affecting me in trying to open accounts at local banks and has caused my existing bank ( XXXX XXXX XXXX to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an account is because of what's being reported to XXXX and XXXX XXXX XXXX. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a Kohls Charge Credit Card where I make a XXXX $ minimum payment. I lost my mother early 2019 to XXXX XXXX. After she passed I went through so much financial hardship and was late on a few payments with a few companies ( including this one ) the year of 2019. In this specific case I was late on XX/XX/2019. I tried to set up a new payment plan to get me back on track, but the servicer wont negotiate. I cant see my credit card number on the card anymore the numbers faded away. I can verify via SSN, DOB, ETC.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Consumer Finance, On a recent review of my credit report, I discovered XXXX XXXX XXXX reporting the collection account referenced herein. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account.

You are only to contact me via mail at the address I have provided herein.

I am allowing you a period of 30 days to produce this information.

If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX Office.
Consumer complaint received 2020-06-25
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 (WI)

XXXX XXXX : On XX/XX/2020 I purchased a trip through XXXX for the amount of {$3200.00} and travel dates of XX/XX/XXXX XX/XX/2020. On XX/XX/2020 I received a notification from XXXX ( uploaded to this site ) that stated because of COVID-19,  all travel has been suspended and our trip was canceled. The XXXX   site was closed and they also closed all of their call centers so we could not get in contact with anyone. They issued a statement that we needed to get in touch with our bank for any refunds because they would not be issuing them. We were unable to get ahold of anyone to solve this issue, and stated in their letter we will be unable to provide agent assistance due to closing all of their call centers. I have included all of this in the documents I have uploaded and all of the proof that our trip was automatically canceled by XXXX with no refund, voucher or any service provided. 

I filed a dispute with Capital One and after calling and talking to numerous people they told me there was nothing they could do. I would like a FULL refund for services not rendered. 

Thanks, XXXX XXXX XX/XX/2020 XXXX
Consumer complaint received 2022-07-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (NY)

I'm looking for assistance. I've had this account for over a year with no problems, but in the last few months, this company 's activities have caused me some concern. My first concern is that I frequently lose access to my account via the app. I am unable to log in and access my information. I let it go for a month or so before trying again. I was able to log in, but it took me to a page where I had to re-verify my identity. This brings me to my second point of concern. On XX/XX/22, I received an email asking me to reverify my identification and decided to do so later through the app. 
On XX/XX/XXXX, I opened my grain app on my phone and followed the re-verification instructions, which required me to submit bank and ID information. I received notification that the information had been successfully submitted and that the process would take 5 business days. I haven't been able to access my account since XX/XX/XXXX. I contacted grain but have not received a response. I can't even check my status. There have been numerous complaints on the company 's XXXX page that other people are unable to access their accounts and have not received any responses from the company.
Consumer complaint received 2024-10-16
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX 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  Original Creditor I advised Experian, XXXX, and XXXX to reinvestigate the aforementioned accounts However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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.
Consumer complaint received 2020-06-25
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. (KY)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.XXXX XXXX {$12000.00} DEPTEDXXXX   XXXX {$10000.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX   XXXX {$1200.00}
Consumer complaint received 2020-06-26
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)

There is an account on my credit that DOES NOT belong to me.I have never had XXXX XXXX. This is NOT my acount. It does not belong me. I also have some inquiries on my credit for things I've never inquired about. Please remove these items from my credit. Also I need a new copy of my credit report.
Consumer complaint received 2022-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

My mortgage obligation was transferred from XXXX XXXX XXXX XXXX recently to Fifth Third Bank. I can not pay this mortgage obligation online due to arbitrary reasons. Fifth Third Bank requires that you visit one of their retail branch locations to set up their online banking service to make payments. The closest retail location is over 10 miles from my residence. This isn't an actual security requirement to visit a branch location. It is a ploy to cross-sell potential new relationships on retail banking products by requiring people to visit a branch location. This is unethical and disparately impacts people with disabilities, of whom my wife is one, and as she is on the mortgage obligation, this directly impacts her. 

To my knowledge, no other mortgage servicing firm has such arbitrary requirements.
Consumer complaint received 2022-07-17
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Woke up today ( XX/XX/2022 ) to an email saying an account was opened with Bank of America in my name, i contacted the bank and they closed the account but they werent able to give me any information. Im worried they have my social security number
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CA)

Ive been a Citibank card holder since XXXX, CITI BANK recently reduced my credit limit by {$10000.00} specifically on XX/XX/XXXX without notice my credit limit was reduced by almost {$11000.00}. 
CITI BANK encouraged me to take to balance transfer loans the first in XX/XX/XXXX in the amount of {$11000.00} and the second in XX/XX/XXXX In the amount of {$9800.00} both of these will become due at a very high interest rate in XX/XX/XXXX and XX/XX/XXXX respectively. 

I believe CITI BANK reduced my credit limit by over {$10000.00} in an effort to have me pay them back for these two balance transfer loans at an extremely high interest-rate which I will not be able to even come close to making the payments. 
CITI BANK knowingly destroyed my credit rating and reduced my ability to borrow in this effort to obtain Debt at interest rates probably in excessive 28 % I have tried to refinance my home of which I have approximately {$400000.00} equity and have been unable to secure a loan due to the fact I am a XXXX senior on a fixed income. 
CITI BANK as put me in a position where I will have no other choice but to file bankruptcy and have this credit card debt dismissed or set aside. 

I say this was done knowingly by CITI BANK due to the fact that it is printed on the credit card statement that it would take me 32 years making the minimum payment with the second option of paying {$760.00} a month for three years in order to XXXX  out this debt. At XXXX years old,  XXXX and on a fixed income neither option is feasible. 
Im not sure what other options I have if any sort of bankruptcy to pay down this debt? 

I have attached the three months of statements to show when the credit limit reduction and options to pay as outlined above. 

Thank You, XXXX XXXX XXXX California. 
( XXXX ) XXXX --
Consumer complaint received 2020-05-21
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: Continental Services Group, Inc. d/b/a ConServe (GA)

I requested a Waiver of a XXXX  Federal Health Benefit Overpayment Agency Error. My FERS annuity is being Offset via the Treasury Offset Program. The problem I am having is that this debt should not be reported to a Collection Agency because my FERS annuity is being offset via the Treasury Offset Program. I contacted Continental Service Group , Inc & made them aware of this situation to no avail. Please rectify this for me. Thank You.
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. I informed the company that they are required under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, they started in writing that the debt was verified and that these items are being reported correctly. They have NOT provided me with a copy of ANY original documentation ( a consumer contract that my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required Section 611 ( a ) ( 7 ). In the last interaction, the company said that they will no longer reply to my request to verify.
Consumer complaint received 2022-07-17
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. (WA)

I am a victim of Identity Theft, See attached FTC REPORT, Forms of Identity, and utility bill. Remove the following accounts per 605B of the FCRA.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted several letters to Transunion, XXXX and XXXX Credit Bureaus to update my personal information to only 1 name,1 address because I don't want to be a victim of identity theft. I explain in my letters having those addresses listed on my report is opening me to be victim of someone filling out a credit card application or loan in my name and subjecting me to go into debt without my knowledge. I have sent countless letters and copies of my drivers license and utility bills to prove my current address, but nothing is being done.
Consumer complaint received 2019-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

Hello, I received a notice of collection from XXXX XXXX XXXX XXXX / LVNV FUNDING on the date of XX/XX/2019. Im informing to all parties involved this account was a result of identify theft. This account has already been reviewed and removed by the original creditor XXXX XXXX XXXX. The account also has been removed by LVNV funding. LVNV FUNDING is in direct violation of the FCRA for attempting and also passing off a debt to another company and they are fully awhere this account is a result of fraud. If LVNV FUNDING attempts to contact me again in any form email, phone, mail. I will pursue all legal options against them and all parties involved. I also will be reporting this violation to the CFPB again. Thank you have a nice day.