davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (CA)

I live in XXXX XXXX. On XX/XX/XXXX. I had about {$5300.00} in my The Bank of the West checking account. But I found {$2900.00} missing from my account on XX/XX/XXXX. So I went to my bank ask them, they said there was a check being cash. And they print that copy of the check for me, I recognize it was an old check for my XXXX XXXX 8 months ago, and he cashed it in XX/XX/XXXX already. Now he changed the date and amount of my check and cashed it again with his phone app. And surprisingly, my bank cashed it second time to him. I lost {$2900.00} due to fraud. I had contacted my bank immediately, they filed a fraud report, and they told me I should report it to police, which I did. ( Police report numberXXXX. ) Now I need my money back .The bank said it will take a long time. Please help.
Consumer complaint received 2022-06-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX # XXXX, XX/XX/22 To whom it may concern, I closed a credit card down XXXX '' through my BOA as I was not using and it was in excellent standing and was told by BOA rep. when I asked would my credit score be effected and was told NO. A few days later XX/XX/XXXX a hit of XXXX points on my good credit score. Tried calling XXXX and after a few hours of waiting was told to call my Bank and there was nothing she could do.. Not able to even confirm that is the reason for the decreased score which is stressful and wasteful. I then called my BOA and was put through XXXX XXXX in another language that I did not understand, Please advice me as to steps I can talk and who I need to speak with, Sincerely XXXX
Consumer complaint received 2022-06-27
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION (MI)

XXXX XXXX a natural person is ceasing communication with you Credit acceptance pursuant to 15 USC 1692C ( c ) Send your letter through the CFPB that you have been notified by the consumer to cease communications with the consumer.
Consumer complaint received 2022-07-15
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. (TX)

I am a victim of identity theft. 
Transunion is reporting an unauthorized inquiry on my credit report : XXXX XXXX  XXXX XX/XX/2022 These accounts are the results of identity theft : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the fair credit reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 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 2022-06-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Credit Solutions LLC (FL)

sent a certified letter for a request for validation. Gave the company 30 days from the date they received the letter. They failed to validate a debt at my request, which is a FDCPA violation. They ignored my prior request for validation. 
" Estoppel by Silence '' legally means that they had a duty to speak but failed to do so. I will use the Estoppel in my defense. 
They ignored my request for validation of debt.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following are HARD INQUIRIES on my credit TRANSUNION CREDIT REPORT DO NOT belong to me, nor have I ever applied for credit of any kind with the following companies : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, and XXXX Account # XXXX have 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 an account without my written instructions
Consumer complaint received 2022-06-21
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. (OH)

I have a collections account on my file that I have never done business with from XXXX XXXX XXXX # XXXX. I DEMAND PROOF of OWNERSHIP on this unverified account or some type of verification. I have some fraud on my file so I am taking every precaution I can to protect the integrity of my credit file. This account is fraudulent I have never taken out an online loan or Payday type of loan.
Consumer complaint received 2022-06-21
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: EQUIFAX, INC. (FL)

On XX/XX/2022, I contacted the Credit Reporting Agency to dispute inquiries that appear on my credit report, which are false and inaccurate, as I did not authorize the inquiry on my report. I demanded in my letter to the agency to furnish proof in writing on the method used to verify AND validate the information, who they contacted and the contact information. The agency did not respond within the 30 days allotted by the Fair Credit Reporting Act, Section 609, in which the investigation must be resolved and the response provided.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

As appears in XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX This people are requesting my credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. In XX/XX/XXXX I lost $ XXXX untraceable money from XXXXXXXX XXXX Coincidence? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Requested my credit report on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Requested my credit report without my consent on XX/XX/XXXX When I called them to complain about it, they immediately asked for my social security number. Imposible! I didn't provide the number, so they continue asking for more personal information, I just disconnected the call. I noticed they were clearly spam numbers.
Consumer complaint received 2022-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX XXXX It shows that this account was opened in 2020. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Consumer complaint received 2024-10-30
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2022-06-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Red Target LLC (CA)

Complaint against SCJ Commercial Financial Services XXXX XXXX XXXX XXXX, DE XXXX XXXX ) I wrote them a Do Not Contact Letter, and they continue to contact you 2 ) They claim to be a debt buyer but have not provided you a chain of title documents showing your original contract, their Bill of Sale , and a list of accounts purchased that includes your alleged account. 
3 ) Resolution : You want the issue to be resolved with them providing you this documentation, and in the event, the documents fail you want the CFPB to punish them and stop contacting you.
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My recent CFPB case was XXXX. It was closed without Transunion abiding by the The Federal Fair Debt Collection Practices Act. I have sent several requests by mail and submitted the CFPB complaint. Transunion has STILL failed to provide me information I requested they used to validate this alleged debt.Before I submitted the last CFPB request they responded in another language. They did not respond at all from the CFPB complaint by mail.I need legal proof not a response of verified. I have submitted disputes in the past I have never requested another language. I received responses in English only. Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX. This account should be deleted they have NOT validated this account. Simply stating verified is NOT validation. How is it they are validating this account and XXXX could not? I attached the same documents to show Transunion previously sent me a response in a language I don't understand.This was a stall attempt.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX : XXXX XX/XX/XXXX : XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX : Account Name : XXXX XXXX Account # : XXXX In accordance with the fair credit reporting act XXXX accounts XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, has Violated my rights XXXX 
15 U.S.C 1681 section 602 A States i have the right to privacy.

15 .U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions.
Consumer complaint received 2022-06-24
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. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I opened a checking account on XX/XX/21 with a welcome promotion of needing " make recurring qualifying direct deposits totaling at least {$5000.00} per month for 3 consecutive calender months from the second full calender month after account opening '' i completed amount {$5000.00} on XX/XX/21, {$5000.00} on XX/XX/21, and {$5000.00} on XX/XX/21. 

the requirements were met. i have called and spoke to their customer reps twice. the time to review has passed and have not been credited the {$450.00} welcome offer. 

i was given a case # XXXX from XXXX reps.
Consumer complaint received 2022-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (ME)

Rushmore Loan Management Services is the servicer on two of my mortgages, XXXX established XX/XX/XXXX and XXXX established XX/XX/XXXX. Neither escrow accounts accrued interest required by Maine state law.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (GA)

Made a purchase online thru XXXXXXXX XXXX XXXX XX/XX/XXXX via my cash app card. For whatever reason my items where shipped in two packages. One package came thru USPS totaling {$5.00}. Second package was ship thru XXXX XXXX. for XXXX. Receive a notification that my package has been delivered. I check my ring camera no one had arrived at my home. XXXX XXXX XXXXXXXX XXXX with my tracking number and look at the photo uploaded by the driver. The home in the picture isn't my home. Contact XXXX XXXX rep tells me to give them 2 days to investigate. They tell me it was delivered I tell them no it wasnt so they ask for proof i send photos of my home. Too only be told contact the merchant we cant find your package. Contact XXXX XXXX XXXX they say well unfortunately since XXXX XXXX states your package as delivered we cant issue a refund. Contact the bank you use. On XX/XX/XXXX for the first time the claim dispute with Cash App for a refund in the amount XXXX. I've submitted documents regarding emails from XXXX XXXX and XXXX XXXX as well as photos of my home and a video of my home. And my claims are being denied stating I receive the goods. There's no one on the support team to speak with via phone. The only answer i keep getting is to file a claim. Then on XX/XX/XXXX I receive a provisional credit for XXXX. The amount is XXXX. I receive my order for XXXX via USPS. Companies involve are giving me the run around
Consumer complaint received 2022-06-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

My husband and I have recently gotten out of forbearance and are trying to settle our partial claim with the mortgage company. The documents they have requested we sign and have notarized have incomplete numbers on them. They have listed interest, principal, and taxes and insurance. The interest and principal have listed balances, but the taxes/insurance are left blank. The balance does not add up and my husband and I do not feel comfortable signing the paper work without seeing an itemized balance. We paid escrow while on forbearance and we would like to be able to see all of the amounts we owe and what we have already paid in the past year and a half we have been trying to deal with this. The mortgage company has no contact with the third company that has to deal directly with the customer. When calling the third party answering service, they have no one to help us and can not assist us with this. This is the second time I am having to make a complaint with this company and will now be making a complaint with the XXXX  XXXX  XXXX. We feel that the mortgage company has failed in properly assisting their customers and we would like our mortgage to be sold at this point so that we no longer have to deal with them. I don't feel like this is an honest company and they should not be handling people 's mortgage.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (GA)

On XX/XX/XXXX, my son XXXX attempted to transfer XXXX to me via XXXX XXXX. He and I both had Chime Accounts and the, money was sent between them. However, the transfer ended up at XXXX Bank versus being transferred to XXXX Bank. I am attaching the same information that I sent to Chime Bank and the XXXX XXXX XXXX, so that it can be reviewed by your agency.
Consumer complaint received 2022-06-21
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-21
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  reporting inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.