davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-18
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below : - XXXX/Dept of Ed - XXXX - XXXX/Dept of Ed - XXXX I demand the accounts be verified or removed immediately.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I opened a secured card with capitol one but was promised that after 1 year of on-time payment I would 1 receive a credit limit increase called several times after the year but always received conflicting in accurate false answers
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I HAVE ASK THE CREDIT COMPANYS TO LOOK INTO THIS ACCOUNT THAT IS NOT MY ACCOUNT
Consumer complaint received 2022-09-27
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: CITIBANK, N.A. (OH)

In accordance with the fair credit reporting act this credit has violated my rights under 12 USC 1681 section 6 o 2 states I have the rights to privacy 15 USC 1681 section 6 0 4a and section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-11-18
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: Experian Information Solutions Inc. (NJ)

My Experian score went down arbitrarily from XXXX to XXXX. I spoke with them on XX/XX/2020 and XX/XX/2020.
Consumer complaint received 2024-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION (OR)

I am writing to file a formal complaint regarding an alleged debt collection by XXXX, XXXX XXXX XXXX, XXXX. The collection agency has contacted me regarding an outstanding balance of {$5400.00}, which I believe is not my debt. 
I received a collection letter from XXXX, XXXX XXXX XXXX, XXXX. dated on XX/XX/year>, claiming that I owe the stated amount. I have no knowledge of this debt and do not believe that it is my responsibility. In response, I sent a written request to the collection agency for the following information : 1.A copy of the original contract or agreement bearing my signature. 
2.Payment History 3.Name and address of the original creditor 4.Proof of collection authorization The documents sent back in return still do not verify that this is my debt from XXXX, XXXX XXXX XXXX XXXXXXXX. I have also verified with my personal bank, that no such check has ever been deposited. I have no knowledge of requesting this personal loan. Despite my request, the collection efforts continue, which I find both concerning and unfair.
Consumer complaint received 2021-01-03
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: EQUIFAX, INC. (IL)

Happy New Year! For 3 consecutive months in a row, XX/XX/2020, XX/XX/2020 and XX/XX/2020 I have sent and mailed letters to the credit Bureaus to help either verity or remove some items I did not recognize as mine. They violated the law 3 times in a row and now I am seeking judgment. Equifax, XXXX  as well as XXXX. My letters spell out the law clear and it is not confusing. 

Everything I sent was certified mail and they have received every one of my documents.

No one has provided me proof according to Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Consumer complaint received 2021-01-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I am trying to file online dispute today XX/XX/XXXX with my equifax.com account about a merchant that falsely put a collection on my account from XXXX XXXX XXXX for XXXX XXXX XXXX in XXXX XXXX, Ca. ; as they were not authorized to do certain repairs but did without authorization from the insurance company or me. I was left to pay my portion of the bill, which I did and left a balance with the insurance company that they tried to put on me. I previously disputed it with experian in OXX/XX/XXXX and it was deleted from my account. Now I am currently trying to dispute it with equifax, equifax online system first said I can not because I have already disputed it, which I have not. Then I tried to login to my equifax account again later and the page goes nowhere and just hangs or says login is not available at this time. Then I use a different browser and it starts to work until I put my personal information in then it does the same thing connection lost. At the same time as I do these activities online someone in my building slams a door every time, so it appears my activity is being monitored by someone else/hacker in my location. Also on my phone it does the same thing, which I have reported to the FCC about this and have a report number. Additionally, I have contacted the local police about retaliatory theft ( and harassment by this merchant and people in my neghborhood ) off my vehicle/ home after I began disputing these charges, but I believe the police is also in on the people stealing or allowing people in the XXXX XXXX of XXXX XXXX to assualt me.I don't understand how they would let this happen either as I am a Federal Government employee and a military veteran as well.
Consumer complaint received 2024-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (FL)

I dropped off my XX/XX/XXXX mortgage payment on XX/XX/year>. My partner received a phone call at XXXX later that day informing me that they had received my check, but would not process it until XX/XX/XXXX as they felt the check was post dated. This seemed off as XX/XX/XXXX is a Sunday, but maybe they have changed their operational hours? I can provide canceled checks going back to the beginning of this servicing showing my postdated checks have been accepted and processed the day they are received. This is clearly retaliation for a negative review I recently submitted after dropping off a car payment mid XXXX.
Consumer complaint received 2024-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I called US Bank on XX/XX/year>. I dialed ( XXXX ) XXXX. 
Unfortunately, I experienced poor customer service by several agents. 
The first agent was a male employee who refused or transfer me to a supervisor upon request and disconnected the phone on me. 
I called back. The second employee was a female in Georgia ; she said she was near XXXX. She also disconnected the call after fully authenticating me. I called back again. The next agent 's name was XXXX from Illinois. At the end of the call, she stopped talking ; there was dead air. I kept saying " hello agent are you there? '' There was no response, however, my call was still connected and I did not have my mute on. This agent willfully and knowingly engaged in call-avoidance. I was forced to disconnect and call back. The next agent 's name was XXXX from XXXX Oregon. I asked her to transfer to a supervisor and she then deliberately disconnected the phone. This is egregious. US Bank 's customer service employees engaged in call-avoidance. I seek to hold US Bank accountable for its substandard customer service. Please note : I never used any profanity or made any threats. All of my calls occurred between XXXX XXXXXXXX XXXX  PDT.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Statebridge Company (AZ)

In XX/XX/XXXX XXXX  I cosigned and financed a pool loan with my ex-wife. The ex-wife was awarded the home in our divorce in XX/XX/XXXX. 

In XX/XX/XXXX I bought a new home with my new wife and my ex -wife had let the loan with XXXX  go delinquent. The loan needed to be paid current in XX/XX/XXXX to allow me to close on my new home purchase and it was paid current. 

Then my ex-wife let her mortgage go delinquent again in XX/XX/XXXX. This would of started the statute of limitations of non payment and reporting history for that account. The account was removed and deleted off of my credit report in XX/XX/XXXX. 

Now XX/XX/XXXX I was notified from my credit reporting agency that a new loan from Statebridge was reporting a balance and payment due and reporting late payments from the XXXX pool loan that was over 8 years old. This account with Satebridge re-reported illegally and damaged my credit scores. 
I disputed the account first with XXXX  and it was deleted right away in XX/XX/XXXX. Then it appeared on XXXX XXXX and XXXX  when it hadn't reported before only on XXXX. 

So then I disputed it with XXXX XXXX and XXXX  and it was deleted from XXXX XXXX in XX/XX/XXXX. 

XXXX  has been the most difficult in not responding to my disputes. They updated the balance to XXXX and show it current but this is not acceptable as the account wasn't mine and is over 8 years old violating the FCRA rights of the statue of limitations. 


This an urgent issue as I do not have any negative items on my report and trying to purchase XXXX dollar home which requires jumbo pricing guidelines. This type of loan product in very strict and this inaccurate reporting of the statebridge loan is preventing me from closing on my mortgage. 

I again recently disputed the account with XXXX online and I need to get this correct in 30 or less releastically immediately.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lockhart, Morris & Montgomery Inc. (AL)

To whom this may concern Im writing this because there has been an in accurate report on my credit my name is XXXX XXXX XXXX not anything else and this person they have listed is not me and this is becoming a real issue. When I called LOCKHART MORRIS & MO to inquire about this and have it removed they said to me thats the way the cookie crumbles sometimes. Ive been trying to get this corrected and removed with no response after the first one and this is unfair medically negligent in correct and needs to be removed. Ive never even been to this place in my life this is wrong and should be illegal please remove this.
Consumer complaint received 2022-10-26
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: CITIBANK, N.A. (NJ)

IN ACCORDANCE WITH THE FAIR CREDIT ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15USC1681 SEC 602 STATES I HAVE THE RIGHT TO PRIVACY 15USC1681 SECTION 604A SECTION 2 UNDER CONSUMER REPORT AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION UNDER 15USC1666B A CREDITOR MAY NOT TREAT A PAYMENT CREDIT CARD ACCOUNT UNDER A OPEN AND CONSUMER PLAN LATE FOR ANY PURPOSE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

My full legal name only consist of one first name and one last name. I do not have now, nor have I ever had a middle name or initial. 

1. XXXX  reports that I have the middle initial of " M ''. This is incorrect and is not my name. 

1. Equifax reports that I have the middle initial of " S ''. This is incorrect and is not my name. 

1. Equifax also reports that I have a former first name as " XXXX ''. This is incorrect and is not my name.
Consumer complaint received 2023-07-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with the accounts listed. I have not received validation for these accounts as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on XX/XX/2023. XXXX is saying the accounts XXXX and XXXX XXXX, and XXXX are my accounts I stated they were taken out frequently. I have asked for supporting documents to be mailed to me regarding the contract. They have failed to do so. XXXX came back stating XXXX XXXXXXXX, XXXX, and XXXX XXXX XXXX XXXX is mine these are fraudulent accounts I have asked for supporting documents they have failed to send them to me. Experian stated XXXX, XXXX are my accounts. They all have failed to submit the contract with my signature and current address. I did not take these loans out at all. They are in violation of FRCA Fair Credit Reporting Act code 15 U.S.C 1681 ( E ) and my privacy rights as a consumer. Please strike and remove these accounts from all XXXX credit bureaus until adequate validation has been received providing that the accounts belong to me and all information is correct.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On Sunday XX/XX/2020 I went to a Bank Of America ATM to withdraw some money from my Bank Of America ( Nevada Unemployment Insurance Debit Card ), when I tried to withdraw the money it showed me that I only have a balance of {$3.00}. Which was odd because I should have had a balance of {$730.00} on my debit card. I went online to check recent activity and it showed me that on XX/XX/2020 an ATM cash withdrawal occurred at XXXX XXXX Bank. Two transactions happened at that ATM. The first charge was a XXXX XXXX ATM cash withdrawal domestic fee, which was {$1.00}. Following that charge, {$730.00} was taken out of my debit card via XXXX XXXX ATM cash withdrawal. I did not withdraw any of that money, nor gave access to my account to anyone. I have become a victim of fraud. 

After I saw those unauthorized transactions I proceeded to call Bank Of America ( On XX/XX/2020 ), here is their phone number XXXX ( XXXX XXXX XXXX. Every time I called Bank Of America I was meet with a customer representative, I was told that I needed to talk to the claims department. I was then transferred to the claims department. After being on hold for 2-3 two hours, an automated voice told me that the machine is full and I could not leave a message then it proceeded to hang up. I tried the same thing again the following days ( XXXX XX/XX/2020 ) and the same thing happened, and every one of those days I was on hold for 2-3 hours. After that, I tried a different approach. On XX/XX/2020 I called the same number again and asked to speak to the customer service supervisor, so he could transfer me to the claim department instead. After waiting for around 45 minutes I finally spoke to someone. The customer service supervisor claimed that he would send an email out for the claim department to give me a call within the next 24 hours. After waiting for more than the 24 hour period I did not receive any calls. So I called again ( XX/XX/2020 ) and spoke to another customer service supervisor he also claimed that he would send an email to the claims department and they would follow up with me within 24 hours. So I patiently waited and I heard nothing from them. Today XX/XX/2020 I tried calling Bank Of America from my phone and they blocked my number linked to my account so I could not reach customer service. 

I have been working for over 40 years and I never applied for unemployment. But unfortunately, due to covid, I was laid off. Now since I'm a victim of fraud I don't have any money to feed my children. That was the only source of income I have.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, unknown account # XXXX, unknown account # XXXX, unknown account # XXXX, unknown account # XXXX, unknown account # XXXX, unknown account # 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 2021-12-16
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. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2024-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (WV)

We had a Presidentially Declared Disaster on XX/XX/2024 in XXXX XXXX, XXXX  which is FEMA Disaster # XXXX. My home sustained extensive flood, wind, water, and mold damages all VERIFIED by a FEMA INSPECTOR. My family was displaced living in hotels and with family and friends, paying out of pocket for everything. I filed a claim with my homeowners insurance and was denied because I do not have flood coverage ( we do not live in a flood zone ). We applied for SBA Disaster loans and was denied because our credit scores were a couple points away from SBA Guidelines ( SBA IS A JOKE ). We applied for and received very little help from FEMA, roughly {$7000.00}. We have losses well over {$100000.00} and I can not get any help from the Federal Government ( FEMA, SBA, DHHR ). My family of XXXX have been living off the small amount of Social Security XXXX benefits we receive as my wife lost all her business equipment in the flood and unable to financially contribute. I applied and was approved for a Disaster Forbearance from US BANK temporarily stopping payments. Mortgage Lenders are not supposed to negatively report to the credit bureaus while borrowers are going through disaster turmoil. US Bank is not following these guidelines. They are reporting to the credit bureaus 30 and 60 days lates for XXXX, XXXX, XXXX and XXXX. All these months they are reporting are disaster months. THUS, making it impossible for me to help myself and my family. I have applied to countless Mortgage Lenders for a Cashout Refinance, HELOCS, and home equity loans to get funds to repair my property and catch up our many bills. NO LENDER WILL LEND TO ME BECAUSE US BANK IS WRONGFULLY NEGATIVELY REPORTING LATE PAYMENTS. ITS IMPOSSIBLE TO GET ANY MORTGAGE LOAN OR REFI IF YOU HAVE MORTGAGE LATES SHOWING ON YOUR CREDIT REPORT FOR THE PAST 12 months.
Consumer complaint received 2020-11-18
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: Experian Information Solutions Inc. (CA)

I submitted payment to resolve a debt and specifically stated that if the check was cashed, XXXX XXXX had to remove Collection status off of my credit report. XXXX cashed the check and when I submitted the letter to Experian including proof of a cashed check, Experian still refused to reclassify the debt as " paid in full ''.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy federal credit union XXXX XXXX someone deposited a fake check in my business checking account in the amount of {$3200.00}. Navy federal then took {$1400.00} out of my personal account the same day as a penalty. I submitted the act to the fraud department and they denied my claim and they told me I had to appeal it. I appealed it 2 times and they denied it a 3rd time. Today XX/XX/2024 they threatened to closed my business account and charge me for the remaining balance. My account was attacked and my bank did nothing about it but charge me. That is wrong I need this situation to be address, Navy Federal is taking advantage of me only because I have no voice.