davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (CA)

I've received numerous calls daily from different individuals for an alleged debt to Best Buy ( original creditor ). Today I finally had an individual identify the collection agency she was employed by. The woman identified herself as XXXX with XXXX XXXX XXXX. I have had no transactions with Best Buy in well over a decade. I denied owing any debt, explained that I was on the do not call list, and asked that I wasnot contacted further. She loudly proclaimed that I was not on the do not call list and threatened me with legal action and wage garnishment. I attempted to further communicate my insistence that I not be contacted furthe but the individual loudly attempted to talk over me. I shouted my insistence loudly a final time and terminated the call. Within 60 seconds of that I was called again which I immediately terminated.
Consumer complaint received 2020-11-06
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. (NV)

These are not my accounts. I have never lived at the address where some rental place is saying. I am a victim of identity theft. I have provided my personal documents with my information and I can assure you that I am not a mortgage company nor am I a credit repair company.
Consumer complaint received 2023-03-27
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. (SC)

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 items 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 items 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance XXXX {$3100.00}, XXXX XXXXXXXX Balance : {$210.00}, XXXX XXXXXXXX Balance : {$35.00}, XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00}, XXXX XXXX XXXX XX/XX/2021, XXXXXXXX XXXX XXXX  XX/XX/2021, XXXX XXXXXXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 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 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (CA)

In XX/XX/2020 I applied with CrossCountry Mortgage to refinance and consolidate my mortgage and HELOC. In mid XX/XX/2020 the title company asked to provide a copy of my trust ( >100 pages ) which was during the COVID 19 pandemic while working from home. I confirmed with the title company that the information they needed was included on the trust certification which is ~3 pages and they ultimately agreed. I sent the information to the title company and 6 days later CrossCountry Mortgage said the underwriter needs a copy of my entire trust. During a phone conversation with the loan originator he said that the title company 's attorney approval should be sufficient and did not understand why the underwriter needs a full copy. I explained my concerns with sending this personal information that is irrelevant ( health care directive, etc. ) to close the loan. It took 6 days for the loan originator to get the underwriter to agree to a copy of the trust certification. When I received an estimate of the closing costs on XX/XX/2020 there were no fees associated with a rate lock extension. However, when signing the loan documents in early XX/XX/2020 the loan originator charged us {$1500.00} for the rate lock extension. This was never communicated to me prior to the signature date. I signed the documents out of concern I would not be able to close a loan with such a low interest rate and assuming CrossCountry Mortgage would work with me to settle the issue. In mid XX/XX/2020 I spoke with the loan originator at CrossCountry on  the phone and he verbally told me that I provided all the information within a reasonable time frame and that the rate lock extension fees were a result of the underwriter 's unreasonable request and delay. The loan originator said that he will work with his manager to obtain approval for a refund on the {$1500.00} rate lock extension fees. Communication went on for 3 months and during this time the originator said that a refund was approved by his manager and sitting with the accounts payable department. I continued to follow up on status and eventually the loan originator stopped returning my calls. As a result, I am filing a complaint in response to unfair lending practices of charging me for a rate lock extension that did not result from my actions/inactions.
Consumer complaint received 2024-11-27
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

I had an old checking account with US Bank that was closed with a balance. In speaking with the branch and the online representatives who called me, the assured me that if the balance was paid that there would be no negative reporting or repercussions to any of my credit files. I just recently was notified that US Bank reported on my XXXX file of unpaid account abuse. I again was told by the XXXX XXXX XXXX branch when I went in today to resolve the issue that there would be no negative reporting and that I needed to call. 

I attempted to call several times and I got the run around from agents, and no one shows that I have a balance on my account or that anything was reported to XXXX.
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (GA)

My most recently reviewed consumer report, there are unverified accounts listed. I have received mail from various companies seeking to collect an alleged debt on behalf of another company. I have never heard of nor done any business affiliation with them. I requested VALIDATION of the debt which was not provided. It is absurd that this company put something like this on my credit file. I found that to be odd because the credit bureau is to report nothing but accurate information about me. So how are they supplying information to the credit bureaus about me when they have not provided me with validation. 

I am requesting the following ; Show me how you calculated what you say I owe. 
Copies of signed documentation that show I agreed to pay what you say I owe. 
What bounds me to you? 
What kind of business dealing have I done with you? 

As a reference, please see the below accounts in question that must be REMOVED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - Here is what the law states about investigations : 623. ( b ) Duties of furnishers of information upon notice of dispute.

( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and which compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly : ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.
Consumer complaint received 2023-02-11
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. (GA)

The credit Bureaus never did a proper investigation according to the FCRA The Term investigation consumer report means a consumer report or portion thereof in which information on a consumers characteristics or mode of living is obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

they did not do this.

Also, they have violated my right even more in accordance with the Fair Credit Reporting Everything has to be 100 % Accurate on my credit report.

The Credit Bureaus stated account # was properly investigated but how is that possible if the address on file is inaccurate, place of employment,. This ground for removal, They have violated the law because according to In accordance with The fair Credit Report Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 this account has violated my rights.

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The identified transactions are not information related to any transaction by me as the consumer : XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report immediately I look forward to your response.
Consumer complaint received 2020-10-22
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 mailed out letter, police report, and FTC report on XX/XX/20. It has now passed 30 days. No response from creditor. They are still reporting fraudulent information. Per FCRA they have to remove fraudulent account.
Consumer complaint received 2020-10-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (TX)

Chime : A checking account was fraudulently opened in my name with Chime banking. I reported this fraudulent activity on XX/XX/2020 and spoke to a Chime representative and was told I would be contacted within 2 hours by phone call. I was never called. I am again asking for this account to be closed and investigated for identity theft. The Chime support team has informed me that they can not close this account unless I send them body shots of myself holding my government issued identification within 3 days. Not only is this inappropriate, harassment, and incredibly disturbing, it fails to provide me with the consumer protection I am legally entitled to. I refuse to be further victimized by your institution and am asking one last time for this account to be permanently closed and my information removed from your agency. I will gladly provide a notarized government form to prove my identity which, as a financial institution, is all you should need to close the account. Chime clearly allowed a criminal to open an account in my name without the very ludicrous identity verification protocols that they are now demanding from me.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

my bank account with capital one has been frozen since XX/XX/XXXX, they froze it for a reason they still won't share with me. they sent me a check for my checking account but still won't send me my check for my savings, that has over {$23000.00} in it. They have not let me get any access to my money and it has almost been a month. They keep saying they don't know when they'll have it by. It is absurd! That is my hard-earned money from my job and I need it NOW.
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (FL)

XXXX Subject : Cease and Desist Request Incorrect Credit Reporting Dear Sir/Madam , I am writing to formally request if you can write a cease and desist to the below creditors from reporting inaccurate information on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate and verifiable information reported on my credit file. 

I have noticed the following erroneous items on my credit report : CKS Prime Investments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies are inaccurately reporting information on my credit report. 
These inaccuracies are harmful to my credit standing and are not an accurate reflection of my financial history. I have already taken steps to dispute these items, and despite this, the incorrect information continues to appear on my credit report. I request that you cease any future reporting of these inaccuracies and immediately remove them from my credit file. 

Please be aware that continuing to report false information can have legal repercussions under the FCRA, including potential lawsuits and penalties. I trust you will act promptly to correct this issue. Please confirm, in writing, that the above-mentioned items have been corrected and will no longer be reported. 

. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-26
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

This letter serves as my response to your recent communication regarding my Consumer Financial Protection Bureau ( CFPB ) complaint. After reviewing your response, I find that your company has failed to comply with applicable state and federal regulations concerning consumer rights and credit reporting. By not adhering to these legal standards, you have chosen to infringe upon my rights as a consumer, resulting in harm to my credit profile creditworthiness and financial standing. 

Due to your failure to uphold these regulatory obligations, I am left with no alternative but to initiate a formal complaint in my local district court. This action will address your non-compliance and seek appropriate remedies for the damages incurred as a result of your actions. You will find a copy attached to this compliant. 

I trust that, moving forward, you will take this matter seriously and review your procedures to ensure compliance with all applicable regulations to prevent further infringement on consumer rights. Should you wish to resolve this matter amicably prior to court proceedings, I am open to discussing a resolution that respects my legal rights and mitigates any further harm. 

Please direct any additional communication to me in writing at the address listed above. 

Thank you for your attention to this matter.
Consumer complaint received 2024-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

I recently wrote this company because my credit worthiness has been getting damaged by different companies on the same account. They seemed to have sold and re-sold this debt to different debt collectors. They have sent me a statement of a debt with a different company which does not show evidence that I entered into any contractual agreement with them. None of the companies have provided evidence as to why they are reporting this same debt as you can see from the account numbers on the attachments I have included and this is considered Fraud. 
Instead of deleting this debt reporting with the credit agencies, they sent me a letter stating that I owed them this debt under yet another company named Resurgent. In the body of the letter they claimd that they are representing another company named XXXX XXXX XXXX XXXX which I have not heard of any of these companies. All the letter says they are attempting to collect this debt without evidence showing written proof that I signed any contracts with THEM and their license number where they can collect debts in my state which proofs absolutely NOTHING as to how many companies have bought and sold this debt including XXXX who has continued to report this debt while selling it at the same time. 
You will see the discrepancies and the double reportings on my attachments.
Consumer complaint received 2020-10-22
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-07-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain responsible procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. the following information, therefore, needs to be re-invested. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. I have attached the FTC identity theft report including all inaccurate information. Failing that, the item must be deleted from the report as soon as possible, As the item is inaccurate and incomplete. please delete this misleading information, Thank you!
Consumer complaint received 2023-03-27
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. (VA)

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 2022-07-18
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. (GA)

In accordance with the Fair Credit Reporting Act : DOE XXXX acct no. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX respectively, has violated my rights. 15 USC 1681 section 602 A states : I have the right to privacy. 15 USC 1681 section 604 A section 2 also states : a consumer reporting agency can not furnish an account without without my written instructions.
Consumer complaint received 2024-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XX/XX/year> CONSERVE XXXX XXXX XXXX XXXX, NY XXXX Subject : Debt Validation and Cease and Desist To, Whom It May Concern, I am writing in response to a recent debt collection notice from your office regarding account number XXXX  XXXX. To ensure that I am communicating with the correct party, I request that you provide documentation validating the debt in question. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I formally request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the amount you are claiming is owed, including documentation of any contract or agreement related to this debt.

3. Records of all assignments showing the transfer of the debt from the original creditor to your agency.

4. Proof that the original creditor securitized the debt.

5. Documentation of any assignments from the original creditor to a secured trust and back to the original creditor.

Please cease all collection activities until you provide the requested validation of this debt. Additionally, I ask that you refrain from accessing my credit report or reporting any information to the credit bureaus regarding this debt, as I dispute its validity. Should you have already reported this debt, I request that the dispute be noted on my credit report.

Please also clarify your permissible purpose for accessing my credit information, as I contest your right to do so.

Furthermore, I dispute the validity of this debt and request that any future collection agencies you may transfer this debt to be made aware of this dispute.

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (TX)

I keep receiving calls from LVNV stating I owe a debt to them. I do not owe a debt to them, I have never done business with them. They are also in violation of the statutory limitations on collecting a debt that is passed the 4 - 7 years limits.