davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bilateral Credit Corp, LLC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Bilateral Co Opened XX/XX/XXXX - {$670.00} Original creditor : XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Bilateral Co Opened XX/XX/XXXX - {$670.00} Original creditor : XXXX XXXX XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-08-26
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. (CA)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1000.00} XXXX XXXX {$730.00} XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$600.00} XXXX  XXXX {$570.00}
Consumer complaint received 2020-08-27
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: AR Resources, Inc. (NJ)

I received physical therapy at XXXX XXXX XXXX in XXXX XXXX, NJ. Before going there, I checked that they took my medical insurance ( XXXX ) and that I had covered by deductible ( {$2000.00} ). XXXX told me that they never filed a claim to be paid. 

Historical Info Original CreditorXXXX XXXX - XXXX Contact Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 4 months later, I received a bill from a collections agency called AR Resources saying that I owed $ XXXX.they reported this and it decreated my credit score from XXXX to XXXX. 
I disputed the issue via XXXX and they were basically useless. Here is what XXXX sent me as the results of the dispute : " Account previously in dispute - investigation complete, reported by data furnisher. Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/2020. '' A few months ago, i was in the process of buying a house and I couldn't be in the loan because of this issue.
Consumer complaint received 2022-06-28
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: LEXISNEXIS (VA)

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 15 USC 1681. 
XXXX XXXX bankruptcy 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 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 seven 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.
Consumer complaint received 2020-08-26
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: Experian Information Solutions Inc. (AZ)

I Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which XXXX XXXX has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! This is a direct violation Of the FCRA and the FDCP Act.

This is : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 CUSHMAN v. XXXX XXXX XXXX. US Court of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.C. No. 95-cv-01743 ). They refuse to correct information after being provided proof of inaccuracy. 

I've also attached a NOTARY verifying my identity and a bank statement verifying my identity and address.
Consumer complaint received 2020-08-26
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 — Their investigation did not fix an error on your report
Company: Avant Credit Corporation (TN)

This credit card account is showing negatively on my credit report when it is a fraudulent account that I never opened. The address on the account is not an address that I have ever own and this account is constantly being verified when it is impossible to verify something Ive never applied for or had in my possession.
Consumer complaint received 2020-08-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (CA)

Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$4000.00} {$5300.00} They are charging all these interests and rising my loan amount on purpose and they have already repossess my car.
Consumer complaint received 2022-05-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-03-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit, Inc (CA)

This is my XXXX lease with Audi. I have always turned in my leases early with no issues. I initially went to trade in my car and get into another lease in XX/XX/XXXX. My credit had taken a hit but I had excellent payment history on 5 other cars with Audi. They turned me down and told me to try again in a few months, which made no sense to me. In XXXX I tried again and they were able to get the lease offer to go through. I asked the salesperson about my remaining balance and the circumstances and she told me not to worry. Even when I was with the girl in finance, I asked her if my other car was paid and she also told me not to worry. There were two payments that were put at the end of my loan due to 1. ) paying out of pocket for XXXX treatment in XXXX and not being reimbursed and 2. ) a serious financial hit that I took from an accident in XXXX. Audi told me to let the dealer know about the circumstances and I did that. All was well until XX/XX/XXXX when I received a balance due from my other car. I immediately reached out to my salesperson and she basically gaslighted me. At one point she accidently sent me an email where she was speaking negatively about me which was inappropriate and upsetting. I spoke with XXXX XXXX and Audi Financial. Audi Financial would not work with me and I told them that I was duped by the dealer. I was in a bad medical situation due to XXXX and they lied to me. My car should have been paid off and I wouldn't have gotten into another car if not. They should have been up front and put that amount in my new loan or whatever they have done in the past. This is totally unacceptable. I've had issues with their service being unethical as well. They tried charging me several times in the past for items under warranty. In that situation, XXXX XXXX was able to assist and I never returned to them for service. Audi Financial refused to help. XXXX XXXX tried to assist and spoke with the GM of the dealership and he admitted to them that he has had issues with his team. When I tried to work with him to resolve this situation, it became harmful to my wellbeing. He was combative and rude. With my health issues, I'm not able to deal with this type of behavior. Last week, I received a collection notice regarding this disputed balance. I have exhausted all options to resolve. This is illegal and unethical. Taking advantage of a XXXX patient is so disturbing. Then on my current vehicle that payment was due on XX/XX/XXXX, Audi Financial is preventing me from making a payment. At first I thought it was a site error, but when I tried again today, there was NO way for me to pay my car payment online. There are no payment options available in my online account! I've been making on time payments since I started this lease!
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

experian report # XXXX XX/XX/20 is reporting incorrect / false information as negative item # XXXX XXXX XXXX card stating 'account charged off/never late ' 'account closed at credit grantor 's request
Consumer complaint received 2020-08-26
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. (IL)

XXXX XXXX XXXX XXXX ( XXXX, Il. XXXXis listed as a previous address for me on all of the 3 Credit reporting agencies. I have never lived there. I tried to lists the dispute with each and I have been unsuccessful after several attempts
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/2020, the Bank of America Mortgage Dept withdrew two payments from my checking account, each for {$1700.00}. However, I confirmed with my mortgage lender that only one payment was due. When I tried to call Bank of America, they told me to wait until the following week to call back, since they had a " system crash ''. 

I called on XX/XX/XXXX. In that phone call, they admitted that the second withdraw of the {$1700.00} was a mistake, and that they would reverse the payment by XX/XX/XXXX. But that date passed and they did not reverse the payment. So I called again on XX/XX/XXXX. On XX/XX/XXXX, they said that they would reverse the payment soon, but it may take another 7-10 business days. 

On XX/XX/XXXX, I went to a Bank of America location to ask for help, and they said that they'll work on it. It has now been 18 business days since the original withdrawal, and Bank of America has still not refunded me the {$1700.00} that they owe me ( by their own admission ). Neither has it issued me a provisional credit. It has taken no action to resolve the issue.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Hello, I hope you're having a good day. This is my second notice towards Fifth Third via CFPB.gov per the last CFPB Complaint No : XXXX for your reference. 

If Fifth Third or any subsidiaries are furnishing negative information to any specialty XXXX  such as XXXX XXXX, XXXX XXXX XXXX, etc., without my written permission or consent, you are violating federal law and I demand you cease and desist all activity. I have read the contract and disclosure given to me upon opening of my checking account, and not once have I agreed for negative information to be furnished nor did I express written consent. Therefore, pursuant to 15 U.S. Code 1681b et seq ; as well as notifying me, the consumer, pursuant to 15 U.S. Code 1681s2 ( 7 ) ( A ) ( i ) ( ii ) you are in violation of the Fair Credit Reporting Act.

I demand you cease and desist all activity and contact any specialty XXXX notify me of who you have furnished information too and permanently delete said reporting of information.
Consumer complaint received 2021-10-14
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-20
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. (MO)

n accordance with the Form 1099-C requirements XXXX  account XXXX has been illegally reported on my consumer report ; Form 1099-C must be filed regardless of whether the debtor is required *to report the debt as income*. ( and is therefore not a debt but income ) However the debtor has reported this account as debt but remarked and/or reported the account ( for months ) as charged off ( i.e. 1099-C filed ).
Consumer complaint received 2020-08-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent four disputes to XXXX, Transunion, XXXX  all through certified mail. I have several accounts on my report that showed up and i have no clue to how they got on there. including student debt with about 5 different accounts with the same company. i asked them to look into it and to show how they verified these accounts that they state remains. they have failed to send me any notifications on how they verified. the papers they send me even comes back with a different name. now they state that they will not investigate without documents to prove my case. How am i supposed to prove something if its not mine and i have nothing to go off of since they keep failing to show me proof of verification or any documents to these accounts.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (TX)

With my Citi card I paid on time and in full and the company is staying that the amount was not paid on time. It reflects negatively on my credit report even though the payment was paid before the due date. I have tried to dispute it and even uploaded supporting documents showing payment in full and they are still refusing to take it off my report.
Consumer complaint received 2019-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (CA)

This company has been reporting unverified and inaccurate information about me to the credit bureaus. 
I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). 

In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION (TX)

This company XXXX sent me multiple emails asking me to verify my banking. Then they sent me two cards by XXXX. 

They deducted {$500.00} from my business checking without my signature or verbal authorization. 

I have called the customer service number multiple times and they tell me they can not find any information. 

I found another office to call, when I called today I was told that if they took the {$500.00} it would be refunded back the same way it was taken. The representative hung up on me.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/22 I I went to chase in XXXXXXXX XXXX  on XXXX to make a deposit. The drive through had a long line so I went to atm like I always do. I attempted to deposit {$1300.00} in all XXXX through the banks atm. when I tried to deposit the atm bills might of been bent a little so I tried to fix that until the mechine tried to close on my hand so I was unable to fix the bills, the atm jammed and went white with a A as loading icon. So I began recording and and the error message popped up that the machine cant accept deposits. 


I immediately entered the bank and explained what had happened they sent me away with a XXXXnumber stating they dont have any control over the atms. 

I contacted the the XXXX number they assured me that it will be looked into then issued me a credit. I look into the account on XX/XX/22 I had a negative balance the credit was reversed. I called and they stated they found nothing wrong with atm on that day or that I even tryed to make deposit. I have a video of what the atm done I stated and they said they cant use that. So Im looking like a XXXX  for doing the right thing and have no power to have them do the right thing and really look into this. I tried to sort it with them and done all I can do.