davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (AZ)

Company is reporting a lot of inaccurate and negative information on my personal credit report. I have attempted to dispute several times with them continuing to defame me. Along with the various companies that are attempting to extort payments on alleged debts. These companies have used my credit card number improperly and unlawfully. They are defaming me on a daily basis with negative and inaccurate information. From fake names to fake addresses. To just plain old negative information. I have attempted many times to resolve these issues with billing errors, alleged debts, identity theft, and the continued violation of privacy afforded to me through various federal and state laws. I feel attacked and defamed.
Consumer complaint received 2019-01-13
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: Experian Information Solutions Inc. (PA)

I ask you for help with the agency Experian, I sent a letter more than 3 months ago to request have remove more than XXXX credit inquiries that I have not recognized, and which I have not done or made. I don't know from where I have so many credit requests. 

I have Attached the report, as well the same was sent to Experian with a signed letter, with copies of my documents. And where did ask please to you remove all details of credit requests or credit inquiries. Which they have not done so far.
Consumer complaint received 2022-06-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


TransUnion Name : XXXX, XXXX, XXXX EMPLOYER : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX AZ XXXXXXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EMPLOYER : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC (GA)

XX/XX/2022 @ XXXX XXXX  I received a phone call from someone by the name of XXXX XXXX who stated she was calling on behalf a GC Services in an attempt to collect on a debt. I informed XXXX XXXX I did not have any business with her or her company and could not give any further information until I was able to confirm on whose account was she calling. XXXX XXXX repeatedly asked for me to share private personal information which included my address and last 4 of my SSI #, I informed XXXX XXXX I was not comfortable with sharing that private information with a complete stranger. XXXX XXXX continued to attempt to get me to give her my private information and once she felt at a dead ended she had her supervisor to take over the call. XXXX XXXX XXXX stated he was the supervisor of that department I asked him what department was that, he stated he would not provide that information until I confirmed who I was, he again asked for my private home address and my last 4 of my XXXX. XXXX XXXX then attempted to play word games by stating he was not able to confirm I was the XXXX XXXX who he was attempting to contact although he called on my private number which is in my private name and is a private number. Upon asking XXXX XXXX what company he was calling for because I had no business accounts with his company, he refused to provide me with the name of the company that assigned the alleged account to GC Services.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX  Please remove it from my credit report. 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Please remove it from my credit report. 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate and Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report XXXX XXXX  Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2020-11-02
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. (NJ)

To whom it may concern, I was recently looking at my credit report as I was thinking of making some home improvements. There are a few inquires on my credit report that are 100 % inaccurate and never authorized by me. These are all fraud and were never signed by me. I never signed any documents with any of the following companies and do not know anything about any of this other than wasn't me. Someone tried to steal my identity. According to my XXXX XXXX it says on transunion I tried to apply for premium card on XX/XX/2020, XXXX XXXX XX/XX/2020 and on XXXX  also is showing premium card on XX/XX/2020, XXXX XXXX XX/XX/2020 and a company XXXX XXXX XX/XX/XXXX. I am also being hit with a late fee from my car dealership. I had spoken to thing months ago when covid happen. I had been a loyal customer for over 10 years. To make a long story short they had said they would remove the late fee due to covid and as curtsy to me for being a trustworthy customer. When I called them today that had nothing in there notes which is one of the reasons I came to you guys to resolve and help fix all this negative stuff.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE (MI)

Hello to whom it may concern, Ive been banking with Charles Schwab for about XXXX years now, In my name holds a checking and savings account plus ROTH IRA at this bank. In XX/XX/2022 my card was hacked, and used at multiple stores online/In Store. Multiple companies charged my account over two years without any acknowledgment. I immediately contacted the bank to file dispute, but when I called to file a dispute Ive been treated in such a bad manner. Representatives continues to blame me for fraudulent charges instead of doing the correct investigation. Ive requested for my savings and checking account numbers to be switched. I was immediately denied access. Im a victim of identity theft my information is constantly being found on numerous of dark webs. My accounts such as checking and savings, credit card accounts has been hacked enormously amount of times. I think its very insensitive for Charles Schwab Bank to not record every fraudulent transaction instead they blame the customer. I know of a XXXX  American who has this same problem, but has been refunded for every fraudulent transaction. I feel this bank is very insensitive and prejudice
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (FL)

ACCOUNTS AREN'T MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX 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 2022-06-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

During the course of a seven year period starting in 2012 USAA Federal Savings Bank portrayed a simple interest bearing deposit account of approx. $ XXXX as an investment account. This was years before XXXX XXXX merged with USAA. The reason I am reporting this egregious violation is 2-fold. Each time I made a withdrawal from the account USAA would apply a 10 % penalty in addition to the withdrawal. These funds were accumulated with taxed dollars. As if the 10 % penalty wasn't bad enough, USAA would issue a 1099 that captured the specific amount of the withdrawal with the footnote of reporting the transaction to the IRS. As I mentioned, these funds were accumulated with taxed dollars and the 1099 was intended to raise my tax bracket with taxed dollars from a simple interest bearing deposit account being pertrayed as an investment account. 
This act went on for seven years. I have the 1099s along with account statements and I'm sure USAA does as well.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

Equifax has furnished incorrect information on my credit report. I have tried to resolve the issue several times via phone and letter correspondence. At this point they are in violation of three FCRA laws. Last letter sent was by certified mail on XX/XX/2022. Please see attached for letter, invoices and proof of delivery confirmation. This inaccurate information has caused irreputable damages and each violation is a recoverable fine of {$1000.00} dollars.
Consumer complaint received 2019-01-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (CA)

On XX/XX/2018 Citibank charged me an overdraft followed the monthly service fee. However this is different from what mentioned in the card member agreement. 

" Our overdraft fee is {$35.00} per item whether the overdraft is by check, ATM withdrawal, debit card transaction. You will be charged no more than three ( 3 ) overdraft and insufficient funds fees per day for Consumer accounts. " Definitely, monthly fee does not belongs to check, ATM withdrawal, debit card transaction. Moreover, I have never opt in overdraft protection and the overdraft fees ( As the attached files ) should not be charged. 

I talked with the citibank banker before, they said they can not waive the fees for me.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MN)

I received an email from Wells Fargo stating that my checking account had been changed from a free checking account to a prime checking account which charges a {$25.00} a month fee if my account goes under {$20000.00}. I was not asked about this nor was I given other options. They simply converted my account to this new account. I called and spoke to a representative who told me that the type of checking account I previously had no longer exists I asked why they automatically transferred me to an account that requires a {$20000.00} balance and a {$25.00} fee without asking me first and found out there are two other types of checking accounts that charge {$10.00} or XXXX XXXX a month. either way I was not asked and this seems like it is a dishonest practice for Wells Fargo to automatically change an account without a customers approval or knowledge!
Consumer complaint received 2024-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

LOAN WAS WITH XXXX XXXX XXXX XXXX IMPOUNDED, HAVE XXXX XXXX HOMEOWNERS INSURANCE SPS DIDNT PAY IT AND GIVE EXCUSES THAT I DIDNT SUBMIT THE INSURANCE WAS ALWAYS SAME INSURANCE NOW THE FOREPLACED IT THERE ERROR ( ALSO TRYING TO MODIFY AND STILL LYING ) JUST SUBMITTED INSURANCE COMPLAINT WITH CALIFORNIA DEPARTMENT OF INSURANCE , IS A STATE AND FEDERAL ISSUES! PLUS THEY LOST A PAYMENT.
Consumer complaint received 2022-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (PA)

SLS XXXX mistakenly sent my XXXX XXXX XXXX XXXX real estate tax payment to the wrong place. Following about 20 telephone calls over the course of three or four months it now appears that they have paid XXXX XXXX effective XX/XX/2022. However, they have sent me a letter stating that I was delinquent and that therefore they insist on reinstating an escrow account to my mortgage loan.SLS has no authority to unilaterally add an escrow account to my loan since it was they who were mistaken and not I who was delinquent. I have asked that they provide me with proof of payment to the county, verify that I am not in arrears with any taxing jurisdiction, and that they will remove the escrow account from my loan. They have been very difficult to communicate with and refused to honor my request and communicate with me. 
Please note that for the first year of my mortgage loan XXXXI had an escrow account. However, I deleted the escrow account based upon their poor performance.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

My account closed, with an amount of XXXX in It, and i went to the branch and they told me my account wasnt in the system any more and to contact XXXX the XXXX, Ive called them and they said they should not receive calls from the customers and i had my report mailed to me, .when It was mailed to me i took It back to branch and they told me the same thing as they said the first time then i contacted fraud department, enterprise frauds department, credit card department XXXX and they all kept referring me back and forwards, and i was in the line explain my problem over and over and all i was tryna do was withdraw my remaining balance of XXXX from a branch or get my remaining balance mailed to me in mail to my address .. nobody was able to Help and my remaining funds that i put in this account myself which is MY MONEY, is now in a closed /locked account and i cant acces my funds, ,and no one on the truist team can either and Im in need of my funds immediately, if you can help please,
Consumer complaint received 2019-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

Payment is made on time each and every month and twice in two consecutive months and bank continues to charge me late fees each and every month. They will not reverse charges even though it has been paid and in good standing since opening the account.I believe they are purposely doing this to charge me an interest rate. The terms of the healthiplan was no interest.
Consumer complaint received 2022-06-22
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. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 IN ACCORDANCE WITH FAIR CREDIT REPORTINGACT THIS ACCT HAS VIOLATED MY RIGHT. 
15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681SECTION A SECTION 2. IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCT WITH OUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCT UNDER AN OPEN END CONSUMER CREDIT PLANAS LATE FOR ANY REASON
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/2022, I the consumer, natural person, and original creditor initiated a consumer credit transaction with TD Bank. On said date I applied for their TD Double Up XXXX Credit Card using my social security number ( SSN ). However, TD Bank denied my consumer transaction/application and mailed me an adverse action letter dated XX/XX/2022 ( a violation of 15 U.S.C. 1691c ). A copy is herewith attached. On XX/XX/2022, I sent TD Bank by certified mail notice alerting them of their violation of my federally protected consumer rights. Which they received and signed for as evidence by the signed certified return receipt ( XXXX ). 

Copy herewith attached. In the notice, I gave TD Bank ten ( 10 ) calendar days to rectify the situation by reassessing my application and approving it. I also clearly and conspicuously stated that " failure to respond is tactic agreement that [ TD Bank ] [ is ] civilly and criminal liable for the actions take against the beneficiary. '' In accordance with the postal rule, their failure to respond in writing to my notice to wit, is tacit agreement that they violated my federally protected consumer rights by not approving my application for the TD Double Up XXXX Credit Card. It has been over 30 days since TD Bank has received my first notice and yet has not responded in writing to my demands. 

To reiterate what my notice made clear : According to federal law ( 15 U.S.C. 1602 ( I ) ) my social security card is a credit card. A credit card is defined as " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' I used my social security card/number in connection here to obtain another credit device existing for the purpose of obtaining money, property, labor, or services on credit. Accordingly, as a consumer, natural person, and original creditor, it is unlawful to deny me of my own credit. Furthermore, 15 U.S.C. 1691 ( a ), provides that : " [ I ] t shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction.. " A denial of my open ended consumer credit constitutes to discrimination. Moreover, pursuant 12 U.S.C. 1431, Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore TD Bank is unable to lend a consumer, natural person, and original creditor anything.
Consumer complaint received 2022-07-25
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)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX | XXXX  Account # XXXX | XXXX  Account # 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 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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.