davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

Section 802 states that abusive practices - unfair debt collection practices by many debt collectors contributes to a number of personal bankruptcies to marital instability, to the loss of jobs, and to invasions of individual privacy. This is extremely unfair and demand the following accounts be removed from my credit report
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Dear Sir/Madam. 
Bank of America froze my checking account with my funds in the account and refuse to give me money.I did go to the branch to resolve it but manager wasnt able to help me.They promise to send me a check in 10 days or so but i would like to have My Funs faster.Also they dont give me a reason for closing my account.

Another issue with Bank of America that they also closed my joint account with my spouse. 
I hope its not because our XXXX marrige bothers them, not that i really care about reasons to close my accounts. 
I just would like to receive my funds the same way i deposited them : Cash thanks for Your time and help!
Consumer complaint received 2024-11-07
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. (UT)

Subject : Request for Verification and Correction of Late Payment Information on Credit Report - Section 611 of the FCRA To whom it may concern, I am writing to you as a consumer to dispute the inaccurate late payment information reflected in my credit report issued by XXXX. In accordance with Section 611 of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), I formally request that you conduct a thorough investigation and verify the accuracy of the information in question. This request is based on my right to have only truthful and accurate information reported on my credit history. 
Specifically, my credit report shows late payments on the following accounts, which I believe are incorrect as the payments were made on time. Therefore, I demand that the following accounts be re-investigated and that any inaccurate or unverified information be removed in compliance with FCRA provisions. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Late Payment Listed : XX/XX/XXXX ( 30 days ) XXXX. XXXX XXXX XXXX Account Number : XXXX Late Payments Listed : XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ) XXXX. XXXX XXXX XXXX : Account Number : XXXX Late Payments Listed : XX/XX/XXXX ( 30 days ) Date opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX : Account Number : XXXX Late Payments Listed : XXXX XXXX ( 30 days ), XX/XX/XXXX ( 30 days ) In accordance with Section 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumers file. Additionally, Section 15 U.S.C. 1681i ( a ) ( 5 ) mandates that if, after an investigation, you can not verify the accuracy of this information, it must be immediately removed from my credit file.

Furthermore, I am exercising my right to verification under Section 1681i ( a ) ( 7 ), requesting that you provide details on the method of verification used to confirm the accuracy of these late payment records. If you can not provide this verification in a complete and detailed manner, I demand the removal of all information related to the aforementioned late payments.

Please send me an updated copy of my credit file once the investigation is completed, as provided for under my right to access updated information.
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My payment on my Capital One bank credit card will due every XXXX of the month, and I never have had a late payment. This month I was having a financial problem and I called Their customer representative ( XXXX ) to help me out to move my payment date on XX/XX/XXXX, instead of XX/XX/XXXX because my income finances will come on XX/XX/XXXX. I also asked to lower my minimum payment to a {$100.00}. They refused to help me because of they said company policy. They said it will happen but it will reflect after two months. I said I don't need their help that time because my due will be on XX/XX/XXXX. I asked for the manager and The customer representative passed it to their senior supervisor by the name XXXX # XXXX, I asked her to do it for me but she said she can not do anything about it because of their policy. I asked her someone who is more higher to do it but she said she is the highest phone person to talked to, so it means no one can help me but her. I asked her for her consideration because I was a good customer with them but she kept on saying it's their policy. I told her I will file a complaint but she just intimidated me and she said what I am going to complaint? for making a payment late she said. I called them for their help so I could prevent a charged fee and a bad credit history but it seems like their customer service is not real.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}. 


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 2024-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MS)

I have not supplied proof under the doctrine of estoppel silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2022-06-27
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. (NJ)

In accordance with the Fair Credit Reporting Act these accounts have violated my rights : Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXXccount Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (DE)

I have been attempting to close my Citi Accelerate Savings account and have been unable to do so. Citi has locked my online account access twice in the last 2 years and it takes numerous calls/transfers through customer service/chat support to get it unlocked. When it does get unlocked there is no context to provided as to the reason behind the lock. 

I called to close my account last week and was able to proceed with the conversation but the timeline for returning funds ( 10-15 business days ) seemed long so I completed an electronic transfer into my new account which has since posted. 

I called XX/XX/2021 to close my Citi Accelerate savings account and spoke with a customer service agent who asked numerous verification questions and said they would be unable to assist with closing my account due to failed verificaiton. I provided the account number off their website, my full name, my wife 's name, last 4 of my social security #, and what I believed was the secret word associated with the account which was valid enough to proceed with action/conversation last week, but not on this conversation. I explained to the rep that I just wanted to close the account and could provide recent transactions, balance information or other verification to close the account and they just kept directing me to call back. None of the information provided was any different than what I provided last week. In my opinion as a XXXX XXXX myself, this seems like an unfair and deceptive practice to dismiss account closure for the purposes of achieving company metrics and XXXX XXXX 

I would like my Citi Accelerate Account closed without being charged fees as the account now has a XXXX balance.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2022-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (CA)

Claimant originally agreed to purchase from XXXX XXXX XXXX XXXX. This Company is their debt collector. Claimant changed her mind because the company was never accessible within the time i purchased and the next day to schedule another vacation. i could not reach their office number so i texted instead and they returned the message claiming my notice to cancel was received. this company is a scam! also they charged a down payment of XXXX whic is in direct violation of 12 CFR 1026.4 not cash comparables in a consumer credit transaction. they also NEVER gave the disclosures on my right to rescind this retail installment contract
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  Account # XXXX Date Opened XX/XX/XXXX XXXX {$210.00}. Inquiries : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX  XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NY)

My FHA loan was sold to a company called loancare about a week after I closed in XXXX. A company called new rez purchased my loan from loan care around XX/XX/XXXX. In the summer of XXXX my insurance needed renewing and apparently new rez never received it. My insurance company sent my insurance renewal notice to loancare, who ignored it, and new Rez never reached out to my insurance for an update Policy. 
I assumed my policy would renew as it had so many years previously so I continued paying my escrow. 

New Rez decided to give me their own insurance which was about 5x more expensive that what I had. They charged me around {$1700.00} for their insurance. I found out my insurance lapsed because a collections agency called me saying I owed a fee to nationwide that went unpaid. That same day I found out what was going on I purchased new Insurance.
Consumer complaint received 2024-11-27
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Butler and Associates, PA (KS)

BUTLER & ASSOCIATES, PA is alleging that there is a debt in the amount of {$570.00}. Multiples times I have requested validation of debt as required pursuant the FDCPA and Regulation F. As required by law : BUTLER & ASSOCIATES , PA has failed to validate this debt via model form B. In addition have also requested an assignment contract allowing them to collect on any alleged debts and they have failed to provide any contracts or assignments as required under the FDCPA. 

BUTLER & ASSOCIATES, PA continues to harass and mail me offers to contract with this alleged debt.
Consumer complaint received 2024-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Midwest Loan Services, Inc. (MN)

Mortgage company was XXXX and my loan was sold to Midwest loan services. No notification was sent to XXXX XXXX  about new servicer so they billed XXXX  for premium. when XXXX payment was received I got a notice of impending cancellation. I contacted XXXX and they tried to issue a check but it arrived late and XXXX  dropped my Insurance and will not rewrite. Midwest loan services says its my responsiblity to notify insurance of sale and new company. Now there has been a gap in Insurance and XXXX higher risk due to some claims I can't find a reasonable provider for insurance. I feel this has happened due to negligence of 1 or both of the mortgage companies. I think its a scam just to be able to impose forced insurance??
Consumer complaint received 2022-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMA Alliance, Ltd. (CA)

I do not know who this debt collector is. I never done any business with this company that goes by FMA Alliance Ltd. How did this company get my information? How did this company I have no contract with get my phone number and has been harassing me everyday with repeated phone calls, As a federally protected consumer I have the right contact a debt collector to grant them the right to contact me. I never gave this company consent to contact me. I never gave this debt collector consent to contact me. I have received abusive letters by mail. Why is this company asking me to pay cash money to them when I don't have a contract? 


I'm alleging that i don't owe this allege debt this company. I don't owe any debt at all.
Consumer complaint received 2022-06-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I made a account with XXXX on XX/XX/XXXX to get into the hype of investing in crypto currency. On XX/XX/XXXX however my account was hacked into and was used to purchase crypto currency for {$1000.00}. Then the currency bought was then transferred to a Third party wallet. I only knew of the transaction because of an email that XXXX sent to me. I immediately contacted there customer support and went through a process through the next couple of days to secure my account with them only for them to tell me that they are not liable for what happen and could not help me. I then proceeded to go to my bank golden one credit union and file a fraud claim on debit card and after there investigation they failed to help me as well with this fraud. They told me that the information they received was mine but failed to understand that someone had hacked into the XXXX account which had personal information on it and had my debit card on file which they used to purchase said currency. Even after telling my bank this they failed to understand and kept giving me the same answer and it just felt like going in circle. Which lead me to here for a last effort to try and get my money back.
Consumer complaint received 2024-11-07
Product: Credit reporting 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. (CA)

I contacted XXXX XXXX XXXX XXXX and have asked them to close the fraudulent accounts and to remove the hard inquiry. They are in the process of closing the accounts BUT the hard inquiry is yet to be removed. I need the hard inquiry dated XX/XX/year> to be removed from Trans Union credit reporting agency. i didnt give permission for my information to be used to open any account. the company is closing the account. I need the hard inquiry removed from Trans Union. A fraud alert will be put on my credit reports.