davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

NO information given. Accounts unknown. It's been 3-4 months and no sign of investigation. Accounts violate multiple laws including 15 USC Law 1692 ( e ) ( f ) ( g ) and 1681 ( a ). I was never notified of these debts and never authorized or given permission to report.
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bureau of Accounts Control (NJ)

In XX/XX/2020 debt collector contacted me on be half of original creditor ( XXXX XXXX XXXX ) apartment owner. The debt collector claimed I have unpaid amount of {$590.00}. Right away I checked on my bank account and saw the image of cleared check. The snapshot of the check has handwriting mark of check depositor with my apartment name on it. I contacted the XXXX XXXX XXXX to confirm, they confirmed I do not have unpaid dues. In XXXX, I received few calls from debt collector which I didn't answer since I was out of country and they left me a voicemail. 

Inspite of explaining debt collector and confirming with original debt collector. They filed a complain against me on credit report. Now they have ruined my history. Very unprofessional
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/2022 XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Avant Holding Company, Inc. (TX)

On XXXX XXXX, XXXX, I contacted Avant LLC to transfer my balance in the amount of {$320.00} to a lower interest rate credit card. I was told by the Customer Service Rep that it wouldn't be a problem long as my account was in good standing ( which it is ) and the interest rate would need to be lower than the rate offered by Avant ( which it is ). After being placed on hold for 3 minutes, the rep informed me that I could not transfer my balance. I asked why not? Her response was it was Avants policy that they do NOT allow balance transfers. However, they will accept balance transfers from other credit card companies. I informed the rep that what she was telling me was NOT included in the " Terms of Agreement '' when I opened the account. She said that it is their company policy, and it isn't disclosed in the Terms of Agreement. I asked to speak to a supervisor. I was on hold for 20 minutes waiting to speak with a supervisor. The supervisor informed me that they do NOT honor balance transfers. I asked if the information she was providing could be mailed, emailed or faxed to me and she stated that it couldn't. I asked why not, she said the information was a company policy and could not be shared with anyone.
Consumer complaint received 2024-12-09
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

So I spoke to U.S. Bank on XXXX different occasions to see if I can get refunded overdraft protection fees. I have my account set up for no overdraft protection, but I still get charged on those fees for the whole year. I have a total of XXXX and they refuse refund me those fees, Ive made XXXX complaints with the bank, asking for a refund of the fees, and they refuse to.
Consumer complaint received 2023-06-26
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. (PA)

My name is XXXX 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.
Consumer complaint received 2022-04-13
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX loan # 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 2022-06-04
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. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions The information listed, which appears on my credit report does not relate to any transactions that I have ever made. Also under the Fair Credit Report Act section 604 15 U.S.C. 1681b ( 2 ) states ... Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances they need to show written instructions of the consumer to whom it relates. That right there alone is in violation of the FCRA 604 15 U.S.C. 1681b ( 2 ). I Never gave permissible purpose to even create a report for these fraudulent accounts below, they have to have my written intructions. I will need them to produce a contract in a affidavit form between me and the accounts showing that i granted them permission to furnish these reports in the first place. And if they had that permission I will need a senior executive to produce an affidavit to me. The affidavit also needs to be noterized by a senior executive showing that i granted them permission in the first place.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

Dear Folks, I have owed my condo here in XXXX, WA XXXX for 15 years now. 

During this time, my mortgage has changed at lease 6 time a i am now " trapped '' with 'Select Portfolio Servicing '' who in i pay my monthly and very high interest rate to for XXXX XXXX the holder of my mortgage. 

I have tried in vain to refinance with XXXX ( Minnesota ) and it goes nowhere with them.

I would very much like to be with XXXX ( my bank ) as with my customer of 16 years in XXXX, WA. 

Find me " Trapped in my mortgage '' Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXXXXXX XXXX
Consumer complaint received 2023-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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. (CA)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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)

My name is XXXX 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.
Consumer complaint received 2023-06-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NJ)

I received a collection letter from Resurgent Capital Services for LVNV Funding a junk collection company. They had sent me a collection letter stating that I owed {$1400.00}. I requested a Validation of Debt, NOT a Verification of Debt. The company ignored my requests and had only sent a Verification of Debt. I had informed in my letter that I was disputing the amount owed and that any negative aspect on my credit score would result in legal action.

I received an alert this morning stating that I had received a negative hit on my credit score. My debt has not be validated by the company and my written request that this not effect my credit score has been ignored.

My letter was specific on what I was requesting and although FDCPA does not require the company to give the information, I have only received a Verification of Debt when my letter disputing the debt was clearly requesting a Validation of debt.

As such even the Verification of Debt has not specified the amount owed and the break down of the alleged debt.

Also aside from the debt collection Resurgent Capital had sent a letter threatening legal action and had informed me that my account was already placed on a 6 month legal track period in the first letter which is a violation of the FDCPA regulations. This company is trying to intimidate bully and not provide the adequate information requested and I had informed them that I am disputing the debt.
Consumer complaint received 2022-04-13
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 have been in dispute with Equifax for almost a year about these fraudulent disputes inquires. They have lied numerous times about receiving my documents when they have received them. The FTC reports are attached to this email. So it's no excuse that they can't remove these inquiries
Consumer complaint received 2021-08-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (IN)

My names is XXXX XXXX I had Brought a vehicle from XXXX XXXX in XXXX Florida in the year of XXXX and nobody had told me that the automobile was impounded two days in XXXX before, I even purchased it and it has all kind of issue two days after I brought it and I brought it to their attention they told me that they had no record of the vehicle and they will not fix the issue on the car. they told me " a oil change is the best they can do for me '' keep in mind that they're charge me for a three years warranty on it. so I had to voluntarily serenader the car to the bank which is ( ALLY financial ) .They pick up the vehicle on XX/XX/XXXX and sold it and packet the money and now I'm stock with a {$15000.00} Dollars loan on my names with no vehicle and a child to taken care of.Those people are scammer and someone need to check the out. they need to stop stealing from young people that they're assume are lack of knowledge .I request them to keep my great payment history and report the balance to XXXX please because the AMERICAN people are tired of being scam.I also request all unauthorized inquiries to remove on my credit report as well.Uder THE FAIR CREDIT REPORT ACT I have the right to have outdated information remove any information with out my consent.
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC (TN)

Certegy has my information flagged, denying me to cash a check or open checking account anywhere. XXXX, XXXX, XXXX, I went to XXXX, XXXX 's to cash a check. Both locations denied cashing check due to certify. I was given a ref #, XXXX, toll free number to contact Certegy XXXX. This is an automated system, that does not allow a consumer to ask questions, seak with a human being. Therefore, the pre arranged questions were unrelated, however, I still tried other options on hopes of speaking with a human, but there's no other option. I want a copy of my consumer file with Certegy emailed to me immediately. There is inaccurate information reporting in my file.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TX)

My Ex-Husband opened this account, and I did not sign any contract or documents condoning my approval as Joint on that card. I was never issued a card, back in XXXX I contacted Chase to have me removed but they said I was responsible for this account. I requested proof of my signature but they never provided it. In XXXX, I sent and spoke with their representative to again be taken off the account. They asked questions that I did not know because I never had a card and my ex-husband had been divorced for 8 years. This account is closed but has a balance that is affecting my credit score and has been. I should not be in this account after providing divorce proof and no cards issued to me even after the divorce. I am stuck with this situation, because I was told it says closed on my report but open on his with a 3K plus balance, I closed the account because I did not want him to charge anything else and it seems they opened it back for him. They should have made him transfer that balance to another card or pay it off. I am not responsible for this spending. This account was open I guess in XXXX and I was on XXXX. Please resolve this matter, thank you.
Consumer complaint received 2022-09-23
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: CITIBANK, N.A. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, CITICARDS CBNA XXXX Open Date XX/XX/2010 Balance : {$7200.00}
Consumer complaint received 2022-09-23
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: M&T BANK CORPORATION (NY)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureau was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
M & T BANK XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXXXXXX Balance : {$7300.00} ; DEPT OF ED/XXXX XXXXXXXX XXXX : {$44000.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$20000.00} ; DEPT OF ED/XXXX XXXX Balance : {$22000.00} XXXX DEPT OF ED/XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX  XXXX Balance : {$4400.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXnquired on XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX