davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-07
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2020-12-07
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. (FL)

These accounts do not belong to me. please remove! } XXXX  XXXX XXXX not mine 2 } XXXX XXXX not mine 3 } XXXX  XXXX XXXX Original creditor : XXXX XXXX. not mine {$4700.00} 4 } DEPT OF ED/XXXX {$31000.00} Balance updated XX/XX/2020 never late im in deferment 3 late payments 5 } DEPT OF ED/XXXX  {$37000.00} Balance updated XX/XX/2020 never late. im in deferment 2 late payments
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/2020, I awoke to a " XXXX '' window screen that stated I needed to call a certain number. There were loud beeps emitting from this window which I could not control, so I called the number on the screen. A computer tech answered and said he would proceed to fix the the hacking problem. An hour and one-half later, he said my banking accounts had been hacked and transferred me to a supposed USAA Fraud Officer, XXXX XXXX, XXXX. XXXX reported that three unauthorized transactions against my USAA bank account had been initiated in the amounts {$4200.00}, {$4900.00}, and {$5300.00}. When I asked Miles why USAA couldn't stop these transactions, he said they were " in process '', USAA could not stop them that I had to move money from my checking account into gift cards to reduce the account so the transactions would bounce. XXXX directed me to purchase {$3000.00} in gift cards. XXXX and the hacker team took possession of the {$3000.00} gift card amount. 
I filed a XXXX County Police report XXXX, and an FBI report of hacking and fraud, plus an FDIC complaint. While USAA states that they have liability coverage for fraud, USAA dismissed my case and said that I was an actor in this fraud and could not be compensated for my loss. 
USAA is seen as a bank for the military. I awoke on XX/XX/XXXX with a XXXX XXXX. I am a XXXX vet, with a 50 % mental health XXXX. I also teach online for XXXX XXXX  and happened to have an online class later that day so I wanted my computer to work. I have been a USAA customer since the early XXXX with multiple accounts with USAA. It appears to me that USAA should provide coverage for this loss and restore my funds.
Consumer complaint received 2023-10-27
Product: Credit reporting 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)

In accordance with Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX XXXX. Under 15 USC 1681 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 a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Consumer complaint received 2021-08-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC (IN)

Ive sent an affidavit of truth to Global Lending services whom somehow has my personal information and have been reporting an improper debt onto my consumer report. i believe my federal protected conumer rights are being violated and i have proof in the attachments ive sent to Global Lending Services. under fdcpa ( federal debt collection pratice act ) 15 USC 1692 vaildation of debts congress states a debt collector " SHALL '' send me the consumer 5 items within 30 days of the intial communication. Global Lending Services never sent me the 5 things required under 15 usc 1692G, and still have yet to respond to my affidavit. i am expencering loss of sleep, loss of concentration, and Anxiety.
Consumer complaint received 2023-05-17
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. (NJ)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. 

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

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 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

We paid this credit card in full months ago and NEVER used this account AGAIN... the card was stolen, when I noticed it missing, I reported the card stolen and made them aware of the issue and that if any charges occur they will be from theft! They replaced the card, we NEVER activated either new card! And then non stop charges started within a short time and I reported ALL the fraudulent charges! I filled out the forms 2x, written them 3x, and called fraud dept several times disputing ALL charges cause we NEVER used cards after we paid off account! We actually requested account to be closed after it was paid off! Why it wasn't we don't know! We are not paying for fraudulent charges on this account and want it removed from the credit report immediately! This is Capitol Ones mistake and over sight, so they need to correct their mistake!!!
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-07-02
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. (NY)

XXXX XXXX ( account number XXXXXXXX ) has late payments on my account from 2019. I found a buyer in XXXX of that year and began the process of selling the home. For whatever reason, it took XXXX XXXX until XXXX to process the payoff on my account. This is NOT MY RESPONSIBILITY. It is theirs. 

I submitted a dispute to all three bureaus with different results. XXXX only removed the 90 day late in XXXX. XXXX XXXX didn't do anything ... Equifax didn't do anything. This should prove that the entire process of reporting and dispute handling is upside down with the lender. I want the 60 day late in XXXX and the 30 day late in XXXX removed from my file as well. I want the 90 day late also removed on XXXX XXXX and Equifax. The delinquency was not my doing.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX I XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Michigan Address : XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX Phone : ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$680000.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX History XXXX XX/XX/XXXX ; XXXX Late Dates : XXXX XXXX XXXX ACCOUNT ; ACCOUNT TRANSFERRED OR SOLD Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following account ( s ) on the following date ( s ) : Late Dates : XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. This account was sold to XXXX XXXX XXXX after the late was reported during the transfer XXXX XXXX have send the request to have it removed it still show after the removal Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XXXX I XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : mail CFPB FTC Office of State Attorney XXXX XXXX XXXX XXXX XXXX XXXX 
Office Of State Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. View Map Main Number : XXXX. 
[ Please ensure to fill in the placeholders with the appropriate dates, personal information, and creditor details before sending the letter. ]
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

HELLO, I HAVE CONTACTED CITIZENS ONE LOAN ABOUT MY UNPAID PROPERTY TAXES AND ESCROW ACCOUNT. ON XX/XX/2020, THEY SENT A PAYMENT TO MY PROPERTY TAX AUTHORITY, BUT UNFORTUNATELY, THEY MADE A BIG MISTAKE AND SENT IT TO THE WRONG PROPERTY PARCEL ( WHICH IS NOT EVEN MINE ). I HAVE CONTACTED THEM NUMEROUS TIMES FOR THEM TO FIX THIS AND THEY HAVE FAILED TO DO SO. EVERY TIME I CALL, I SPEND AT LEAST 1HOUR AND A HALF WAITING FOR A SUPERVISOR AND NOONE IS EVER AVAILABLE OR CALLS ME BACK. EVEN AFTER THE REP SAYS THEY WILL CALL ME. ALSO EVERY TIME I CALL I HAVE TO EXPLAIN THE SITUATIONS BECAUSE THERE IS NOT EVEN A CASE NUMBER. ALL I GET FROM THEM IS THAT THEY ARE STILL INVESTIGATING. I HAVE CONTACTED THE TAX AUTHORITY AND THEY HAVE EVEN PROVIDED A WEBSITE FOR THEM TO VERIFY MY PARCEL. I FINALLY WAS ABLE TO SPEAK TO A SUPERVISOR AFTER MOPNTHS AND SHE WAS LITERRALY RUDE AND SAID THAT IT WAS NOT UP TO HER. I ASKED FOR HER TO PLEASE ESCALATE THE ISSUE AND IS BEEN 4 MONTHS AND THIS HAS NOT BEEN RESOLVED. I DO NOT KNOW WHAT TO DO ANY MORE. JUST FOR THE RECORD, CITIZENS BOUGHT MY LOAN WHICH MAKES IT EVEN MORE FRUSTRATING AS I HAVE READ ONLINE ABOUT MULTIPLE PEOPLE HAVING THE SAME ISSUES. I AM HONESTLY OUT OF OPTIONS. 

XXXX XXXX XXXX : XXXX : XXXX
Consumer complaint received 2020-12-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Leopold & Associates, LLC (NJ)

The debt originated from a XXXX XXXX account in XXXX. A default judgment was entered without my knowledge in XXXX in XXXX County, NY. I resided in XXXX county during this period. 
On XX/XX/XXXX, another case was instituted in NJ Superior Court to collect a debt that the statutory collection has expired in NY. I didn't receive any notice for this proceeding. 
The agency and his representatives were aware of my address and didn't send any notice of the collection proceeding. Therefore, depriving me of the right to answer in my own defense. I also didn't receive any original documentation of the source of this debt. 
The account was charged off on XX/XX/XXXX as per the information that I received on XX/XX/XXXX. 
The fact that I have retired from full-time employment and I don't have the means to pay back any debt and the statutory collection has lapsed in NY and the agency is now trying to collect without doing due diligence in the past. I am now requesting investigation and mediation in this matter.
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

On XX/XX/XXXX, I first attempted to open up a premier checking account online, which is required in order to qualify for a bonus XXXX {$600.00} ). 
Account was not opened, reason ; unable to verify my identity. 
Called the bank for assistance and was given misleading inaccurate information and was told to reapply after 48 hours. 
Checked all 4 of my credit files to make sure the information contained within was accurate as suggested by HSBC  representative. 
Waited the 48 Hours as was suggested to reapply on XX/XX/XXXX, with the same results ; declined unable to verify identity. Tried again 1 hour later adding an additional product savings account, decline same reason. Call back again was told to wait 72 hours, it was suggested that the system was Auto declining me. 
Waited and called them again for assistance, received the same scripted answers, transferred multiple times ( 3 ) with no results. not one representative was able to assist me. Called back the department designated to assist people with XXXX on XX/XX/XXXX. Was able to speak to a representative who tried help. He was very frustrated receiving the same conclusion. he could not provide a complete explanation on why the decline was happening. 
He was going to check out my options, but has not contacted me back to me in the timeframe he stipulated. 
The bonus program I was applying for is expiring XXXX XXXX. 
I won't be able comply with the requirements because of The bank 's Discriminatory practices prohibited me from opening this account. They offered no Accommodation for me. They offered a product bonus with no intent to honor the offer. Unlawful business practice. They used Discriminatory barriers to prohibit customers verification through other lawful methods. 
Application ID # s ; XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

Onewest Bank was notified on or about XX/XX/XXXX about a incident of check fraud, where a check I had issued in the amount of {$1900.00} was cashed by someone other than the intended recipient. 

This check was cashed on or about XX/XX/XXXX. The date on the check has been forged and there is no endorsement on the back of the check. 

Onewest Bank refuses to tell me any information about where or whose account this check was deposited into. 

An affidavit has been signed affirming these facts on XX/XX/XXXX. 

When calling Onewest Bank, the expected time for resolution of the claim has been changed from 30 days, to 45 days, to now 90 days. 

I have attempted to resolve this matter in person at a branch on XX/XX/XXXX and XX/XX/XXXX, as well as by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I have been given no explanation or answers about when my stolen funds will be returned.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

I receive on a semi-regular basis my FICO Score and any updates to my credit from Eperian.com via email. I was looking for a balance transfer card which Experian offered many options. So I clicked on the credit card section just to view rates and fees for the various products. I DID NOT fill out any applications or submit any of my personal information. 

Now I am getting, in the mail and by email, loan rejections from companies I have never heard of nor would ever even consider for my needs. So far I have received more than 5 " sorry we can't approve your loan at this time '' letters and emails. 
I called each of the companies and they all gave me the same response, " Did you go on any Experian website? '' I told them I had but never applied for anything. They agreed I hadn't applied and they added, '' Experian will " push my personal information to the companies listed on their website without telling you ''. None of these companies nor Experian had my consent to do so. Now companies I have never heard of, the list grows almost daily, of having my personal information to do who knows what with. How is Experian allowed to use either " stealth '' tactics or some use of personal information buried soo deep no one can find it. I personally feel my privacy and my right to choose who I do business with have been seriously violated and placed me in a precarious situation with all of my information out on the internet because Experian thought this was a good idea. I am not interested in their " use of this site ... '' allowing them to do certain things. I don't give out my information unless I know the company or service. Experian has stripped me of my right to protect my sensitive personal information.
Consumer complaint received 2022-07-20
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: CITIBANK, N.A. (CT)

I made a reservation at a kennel for our dog, but a week prior to the booking we were forced to cancel plans because of illness. I texted the merchant, because I was told texts were the preferred means of communication. I informed her of the cancellation, and she thanked me. Subsequently, and without informing me, the merchant in question ( XXXX XXXXXXXX XXXX XXXXXXXX ) charged {$250.00} to our card as a deposit fee. My card details were on record from a previous transaction, but were not approved for this transaction. The only communication was by text and I did not receive notice of the charge until my cc statement arrived. I requested a refund but they would not refund any portion. Their claim was that this was the policy during school holidays. The week in question was not a school holiday. 

I opened a dispute with Citicard. I provided documentation of cancellation as requested, in the form of the text exchanges with the merchant. I was subsequently told that Citi could not resolve the issue in my favor because I had not provided valid proof of cancellation. I followed through with a phonecall to Citi 's Dispute Resolution Team and was told they received my documentation but would not consider it valid, but could not say anything further, even when I told them that text messages were generally admissable in courts, so I was confused by their denial.
Consumer complaint received 2021-03-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Applied Business Services, Inc. (NC)

This correspondence is in reference to complaint # XXXX. Security Collection Agency has defaulted by not rebutting my affidavit with an affidavit however I am giving them an opportunity to cure by granting my demands from my initial complaint which is to XXXX the balance on this account, immediately delete it from all consumer reports and pay the invoice for violating my consumer rights under 15 USC 1692. ( previous complaint attached )