davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received written and telephone communications about a debt I allegedly had to Bank of America. The initial communication happened about 1.5-2 years ago and I immediately became distressed, now knowing if it was true and not recalling any debt owed to them. Because the person I spoke to over the phone was so convincing and had so much information about me I figured it was true but before issuing payment I decided to go to Bank of America to validate the debt and the manager I spoke to looked through his system and didnt see any debt by me ( branch on XXXX XXXX XXXX in XXXX XXXX ). Then recently I was left a voice message at my mothers WORK PLACE regarding a debt to The same bank, so I called and again they identified themselves as debt collectors and/or litigators and they were attempting to coordinate a payment to resolve this debt before it was moved to a court where I would have to pay a different, much higher amount
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

There is no need to forward comments to the agencies. I am not disputing debt. I am showing valid, legitimate proof or reporting errors. According to the CFPB, i have a right to have an error free credit report. I DO NOT HAVE THAT. I am sending you information directly from my credit report, with errors annotated to be clearly visible. 
One of the reports will be with USAA. This has been filed previously, with no result. I am not disputing debt. I am proving reporting errors from four major corporations.

USAA is still reporting a debt from XXXX. This debt was sold in a charge off. They have made numerous changes, from closing and reopening the account, to re-reporting different information. Notice on the credit report where they placed an OK block in XX/XX/XXXX. 
Next, XXXX XXXX. Notice three specific line errors, specifically with 30 60 90 day reporting, not matching up with lined monthly totals. XXXX also just changed the monthly on time payment percentage going from 15 to 73 percent, this dropping my XXXX score XXXX points. This was also only posted after I sent them certified mail showing them their reporting errors. I feel this was malicious, vindictive, and meant to harm my reputation. 
The third report concerns XXXX, an auto finance predatory loan company. There are four line item discrepancies, and no remarks about status of vehicle. I voluntarily traded this auto for another vehicle at a dealership, with the dealer contacting XXXX  to inform them of my surrender. Notice monthly pay reporting is not reported correctly. 
Fourth, is XXXX XXXX. This tradeline has three specific reporting errors. Most notably three different reporting dates, among other errors.
Consumer complaint received 2022-06-29
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. (WI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CT)

I opened a Barclays account through XXXX to finance a laptop. Once I paid off the balance I closed the account but it didn't close rather 2 new accounts opened without my consent or knowledge.

On one of the " new '' accounts I received a statement via email saying I had a balance due. I phoned the number and reported this as fraud. I spoke with the fraud department again on XXXX XXXX and they said the charge had been declared as fraud and removed and a credit was posted on XX/XX/XXXX. 

On XXXX XXXX I received another email saying : " Your account is now seriously delinquent. We want to help and may be able to offer you options to prevent this account from being charged off on XX/XX/XXXX. 

But you must contact us immediately. '' I have spent hours on the phone with this company trying to close the two fake accounts that were never opened by me and to get the balanced removed off of my record! 

Thank you XXXX XXXX
Consumer complaint received 2022-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (WI)

I am a victim of Identity theft back in XXXX my personal information was stollen and now I have an collection for {$5800.00} from a utility company XXXX XXXX and the Debt was sold to an collection agency Online Information Serv XXXX XXXXX XXXX XXXX
Consumer complaint received 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (FL)

PenFed is not responding to my requests since XX/XX/2020. I have called written letters and email but PenFed is failing to abide by our agreement and protection my PII. 

XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/2020 United States Mail Confirmation Receipt Requested Notice of Error and Request for Information Attn. XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX RE : Notice of Error and Request for Information XXXX XXXX XXXX XXXX XXXX XXXX Account / Loan Number XXXX Dear Pentagon Federal Credit Union ( PENFED FCU ), This letter is a follow up to my telephone call to you in regards to my personal identifiable information ( PII ) being disclosed to unauthorized persons by PENFED FCU. I recently informed PENFED that my mortgage loan statement were placed on the internet that you mailed to an incorrect address without my request. Your actions have caused me and my family harm. I request an answer to the following questions. 

Q1. Why did PEDFED change my mailing address and send my mortgage statements to an incorrect address without my request? 
Q2. How long do you maintain copes of my telephone call or transcripts?

Q3. Has PENFED reported any fraudulent activities in regards to my account to any law enforcement agencies? If so, please identify. 

In closing, I am very concerned that you deliberately sent my PII to an incorrect address without due regard for my families security. I request answers to my two questions pursuant to Federal Law. I also request all protections afforded me under the Federal Servicemember Civil Relief Act, Florida Servicemember Protection Act, The Federal Credit Union Act and Gramm-Leach-Bliley Act as they may or may not apply. 

Regards, ///Original Signed/// XXXX XXXX
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)

PLEASE INVESTIGATE CONSUMER REPORT. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name XXXX XXXX XXXX XXXX XXXXccount # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2022 I called Bank of America to increase my credit limit. I had already had XXXX credit cards with Bank of America. One credit card had a limit {$75000.00} the other card had a limit of about {$20000.00}. I requested my card with the {$20000.00} limit to be increased to {$60000.00}. The XXXX  I spoke to read some disclosures saying Bank Of America may pull from the limit of one card to the other card during this process. But Bank Of America countered my increase request with an approved new limit of {$31000.00}. when I asked the representative if they pulled from my other limit or if this was a straight up increase she said it was just considered an increase. but when I checked my mobile application I saw that my other credit card limit was reduced from XXXX to XXXX. So they did indeed decrease the limit of one card to increase the limit on the other card, which was not what I wanted to do! Furthermore the XXXX  at Bank of America said I was considered a preferred customer. And that they cant tell me if I had already reached an internal maximum limit within Bank of Americas credit cards. So Im going through this process not knowing if I had already reached my limit. My credit score is exceptional and so is my credit rating so Im not satisfied with the reasons theyre giving me that my request to increase my limit was not honored. I feel like some form of discrimination and misrepresentation is taking place at Bank of America
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: Experian Information Solutions Inc. (DE)

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

15 U.S.C 1581 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number: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 instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  Account Number:XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
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. (DE)

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

15 U.S.C 1581 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-29
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. (WI)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting acXXXX XXXX XXXXXXXX, 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 In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2022-07-08
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-03
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. (FL)

I disputed the XXXX account. 

Dispute reasons : XXXX. Account not mine XXXX. The open date is XX/XX/2017, XXXX months BEFORE the closed date of XX/XX/2017. 

Transunion investigated and verified as accurate. How did the account close before it was opened? 

Per the FCRA, section 605 B companies have 4 days to remove an account when told the account is fraudulent. The company has been notified multiple times and they verify the account that clearly has wrong information, i.e., the opening date was XXXX months after the closing date. 

I am attaching a letter from XXXX, a subsidiary of XXXX, verifying XXXX agrees the account is fraudulent. Also attaching a copy of the Transunion investigation results with the errors on this account circled.
Consumer complaint received 2022-07-03
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: Experian Information Solutions Inc. (FL)

I have reached out to the following companies for them to validate the debt that they are reporting to the credit bureaus. It has been well over 30-days and I have not received a response, so I reached out to Experian to remove the items. I have patiently waited for them to update my credit history by disputing the accounts listed below but Experian has not responded to my letters. Please have Experian to remove the accounts listed below since they are unable to validate the debt that they claim belongs to me. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2022-07-03
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. (TN)

I did not consent to or benefit from the following information Transunion, XXXX, & XXXX listed on my consumer report, block or remove the following account XXXX XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed your are civilly liable for reporting the information and its also inaccurate.
Consumer complaint received 2022-06-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (OR)

They said I owed more than I do!!! And then after they stop picking up my they give me a Service interrupt charge of {$35.00}, and didn't start my service back!!!! Charge me {$35.00} if you are continuing services but not if you stop!!!! I have several letters from them and there's nothing about a back payments being missed!!! Until after they cut me off!!!
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

The account shows an address that is not my address. During the time of the account being opened, there was identity theft attempts. I made attempts during the time of the account being opened to correct the address both through online customer portals and with customer representatives, but the correct address was never reflected. The account has since been closed and paid in full.
Consumer complaint received 2022-07-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Nationwide Recovery Systems, Ltd (CO)

XX/XX/XXXX - XXXX XXXX XXXX fraudulently reports a collection account in the amount of {$340.00} to the credit bureaus on my credit report ; disputed. 
XX/XX/XXXX XXXX XXXX XXXX is disputed a second time ; 2nd request for the demanded removal of the false report from my credit report. 
XX/XX/XXXX another collection similar to the last two, of {$340.00}, was placed on my credit report by a new company, NATIONWIDE RECOVERY SYSTEMS ; dispute filed; same complaint in the reporting practices ; lacking foundation and proper warning notifications to alert the party of such an existence to this debt, such potential resolutions, or such desire to dispute prior to reporting. 

No attempts to reach or inform the party prior to reporting to the credit bureau had been attempted, by neither company ; this is in direct violation of THE FAIR CREDIT REPORTING ACT, in conjunction with THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT ; whereas both debt collection companies involved are in violation and are hereby being reported for operating fraudulent business, and lacking proper adherence to all federal or state laws in which they are required to operate under. 

The next subsequent motion is to issue a demand for discovery to audit both companies, which will uncover truths to these acquisitions ; which will lead to the suspension of the company to operate any further business. 

Prior to requesting an audit of the two debt collection companies involved in the infraction of conducting business fraud ; we will seek an order to resolve this matter, outlined below : Both companies ; XXXX XXXX XXXX and NATIONWIDE RECOVERY SYSTEMS, are practicing unjustly under false and unethical pretenses ; providing immediately that this illegal and inaccurate collections report be promptly removed from my credit report to avoid imminent escalation.