davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (IL)

This complaint is in regards to my previous complaint to CFPB ( complaint # XXXX ). American Express says they reported my account as delinquent past 30 days, which is inaccurate. I closed my account with American Express, and I had it paid off when I closed it. Then, American Express says that they reported my account accurately to the credit reporting bureaus as delinquent, when, in fact they made adjustments and just recently sent me a refund credit in the mail via check in the amount of {$43.00}. Now, I expect American Express to fix their reports to the credit bureaus from delinquent to paid on time and card closed. American Express would not have issued me a credit refund check of {$43.00}, if the account was not paid off. I have not made any additional payments to American Express, which indicates that they card was paid off at the time of closing. It further appears that I actually had overpaid my balance at the time of closing, or American Express would not have issued this {$43.00} refund check. Please have American Express fix their reporting to the credit bureaus as non-delinquent, and then this matter will be resolved once and for all. Thank you.
Consumer complaint received 2022-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Applied Business Services, Inc. (TN)

XXXX XXXX XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX ( XXXX ) XXXX Contacted Applied Business Services XX/XX/21 to inquire about collection of {$130.00} from XXXX XXXX XXXX XXXX  showing on credit report. XXXX suggested I contact XXXX XXXX XXXX re : medical bill. XXXX reported bill was for a XXXX test and insurance had paid with an insurance adjustment that should have been reflected on the bill but hadn't been posted. Was reassured by XXXX XXXX, supervisor with XXXX, they would contact Applied and have report removed from XXXX Credit report. 
Filed a dispute with XXXX during that same week and rec. results on XX/XX/21 stating : We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : No update necessary. 
XXXX XXXX via email to request resolution. 
XXXX Applied, spoke with representative who could not assist, and left message with supervisor to advise due to no resolution, my next step was filing a complaint. 
This adverse report is preventing me from buying a home at a reasonable rate.
Consumer complaint received 2021-02-16
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: TRUIST FINANCIAL CORPORATION (TX)

After reviewing my credit report, I noticed on XXXX a few unauthorized credit inquiries. I did not authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX-  XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The merchant and Bank of America did not properly review the documents I provided. Using the same information B of A provided, is the exact reason for my complaint and dispute. I purchased high end tickets, AGREEING to terms that were broken by the merchant. See attachment for proof.
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (NY)

This is in reference to a communication of dispute you were in receipt of in XX/XX/2022. The complaint was filed with the credit bureaus ( XXXX, XXXX XXXX XXXX ) through the CFPB in regards to illegal reporting that I owe your company a debt. I requested validation of the below mentioned debt. 

Caine & Weiner XXXX Account XXXX. : XXXX In response to the complaint filed, on a letter dated XX/XX/2022 your company sent a single billing statement received from the creditor 'to serve as proof '' that I was indebted to Caine & Weiner for this alleged transaction. In addition to that, your company continued harass and defame me by communicating and illegally reporting this alleged debt to the credit bureaus as if I entered into a payment agreement with your agency. This resulted in multiple denials of credit extension, and embarassment. 
According to 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
" Any Medium '' to be taken literally means any form of communication whether written, oral, verbal, electronic or any other means, therefore furnishing on my consumer report bearing any information in regards to this alleged debt by Caine & Weiner is to be considered communication as per the FDCPA. 


The creditor has reported this account as charged off, meaning they are no longer attempting to collect on this alleged debt owned by them. That debt according to the law has been paid. 

As you are aware the creditor sold this debt to your company in XXXX of 2022. 

I am informing you that your company has violated 15 USC 1692j ( a ) because your company furnished a deceptive form to create a false narrative and misleading me as a consumer that the creditor was attempting to collecting this debt, but in reality it was simply put, not true. It goes without saying, I expect a deletion of this account immediately. 

For reference : ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes suchcreditor, when in fact such person is not so participating.
Consumer complaint received 2022-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX I received a settlement letter via fax that acct # XXXX was to be settled for the amount of {$2400.00}. I set that payment up and it was taken from my bank account see documentation. I then never received a letter saying it was settled so I had my wife call to get XXXX, they told her they couldn't speak with her ( after I had already authorized her twice before ) I then received a notice from XXXX on XX/XX/XXXX that said my debt was sold to them and that I still owed the remaining amount on my account. I paid the settlement on XX/XX/XXXX per the agreement. ( see bank statement ) I also received a settlement letter for account XXXX with the agreement of paying {$3200.00} by XX/XX/XXXX, they didn't let me make the payment in accordance with their agreement as my account was sold on XX/XX/XXXX to XXXX. I was supposed to have until XX/XX/XXXX to make payment and they did not allow that to happen. ( see letter )
Consumer complaint received 2021-01-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

My loan was being serviced by Rushmore Loan Management # XXXX. I refinanced into an FHA streamlined with XXXX XXXX who they also service loans for. My loan closing was on XX/XX/XXXX with a right of recession for XX/XX/XXXX. XXXX XXXX wired the funds for my closing out to Rushmore on XX/XX/XXXX. When i looked at my account online it reflected a posting date as of XX/XX/2021, which was incorrect due to the wire being sent on XX/XX/XXXX. I do know that there is a Fed reference number that will reflect the wire transfer and that by law the company is to use this date for receipt of funds. I called and spoke with a manager on the XX/XX/XXXX who stated that the system coming into a new year and they coming back into the office on the XXXX had a glitch and they would be updating the date to reflect the XXXX. Today i spoke with XXXX ( manager in customer care ) who stated i needed to submit the fed reference # which he knew i would not have to get the date corrected. The payoff good thru XX/XX/XXXX that i ordered showed {$320000.00} ; however they were paid {$320000.00} which was the good thru to XX/XX/XXXX. I am due a refund of my difference which this company has not issued out.
Consumer complaint received 2021-01-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

Please accept this as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await the requested proof.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc. (TX)

I contacted XXXX XXXX , XXXX XXXX XXXX XXXX XXXX Who Amsher sold the debit to and paid the agreed upon settlement amount with the understanding that after making the payment they would delete the debt from the credit bureaus. I was told to contact Amshear for the deletion letter but upon doing so I was told that the Attorney had the file and there is nothing Amsher could do.
Consumer complaint received 2023-06-14
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I received my credit report it had XXXX reports in one I immediately contacted transunion and they informed me the will fix it after XXXX weeks I received a new report finally a report all in XXXX then they locked my credit file making it inaccessible to pull my report. I never requested this and now they requested me to send in proof of identity and other not necessary to unlock a file I never requested to have lock only wanted it combined I am now inconvenience to wait a month to open my file when I never requested it to be locked.
Consumer complaint received 2020-09-11
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. (WA)

I have invalid accounts reporting to my credit report I have tried to solve this many times with the company both bureaus and the creditor. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation
Consumer complaint received 2022-11-30
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. (TN)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-14
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering err oneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2022-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Resolution Corporation (TX)

I have been disputing 2 fraudulent medical accounts with Account Resolutions in the amount of {$380.00} and {$370.00} my credit report since XXXXXXXX XXXX XXXX because I did NOT authorize these accounts and are unknown to the nature of these services or provider. I wrote Account Resolutions and the XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting validation/verification of alleged debt. I never received any proof of debt, no validation/verification of alleged debt from Account Resolutions nor XXXX XXXX XXXX Meanwhile XXXX and XXXX have since deleted the two Account Resolutions fraudulent accounts from my credit report. Hum I know why they deleted them from my credit report because they could NOT validate an inaccurate fraudulent account. I have since filed two FTC reports regarding this identity theft one on XX/XX/XXXX and the other on XX/XX/XXXX. I am a victim of Identity theft. These items on my credit report are from unauthorized use of my social security number and card. I did NOT authorize these accounts to be taken out in my name. I am unaware of any of this. 
My credit worthiness was impacted when I was applying and being denied for credit or could not afford the item because the interest rate was too high and false.THESE accounts have lowered my score and buying power. I have since filed my SECOND FTC REPORT # XXXX and a CFPB report today regarding this matter. Look forward to hearing from them. 
Account Resolutions has no problem violating my livelyhood and privacy reporting false negative items because they are making money off of these fraudulent accounts, they are BIG crooks. 

I demand that these fraudulent accounts be deleted from my credit report immediately.
Consumer complaint received 2022-10-12
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, 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 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.
Consumer complaint received 2022-10-12
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. (PA)

On the date of XX/XX/26 all three credit bureaus were sent a Federal Trade Commissions affidavit, also a picture of my ID, picture of my ssn number also a untility bill in which I was following all rules set forth with sending these to the companies to block and remove fraudulent accounts that I have stated in my Word document that I sent over also. All three of the bureaus disreguarded the law and stated that they would remove and gave me confirmation numbers stating they was going to be removed and the accounts are still negative on all my accounts. The law that in referring to is 15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

They failed to remove anything from my reports today marks 15 days since I made these reports and gave notice. 




XXXXXXXX XXXX Account number # XXXX XXXXXXXX XXXX Account number # XXXX XXXX XXXXXXXX XXXX Account number # XXXX XXXXXXXX XXXX Account number # XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX I will also attach the names of the representatives I talked to with the confirmation numbers that were given to me stating accounts would be removed 5 days later in which it wasnt
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NC)

US Bank had to open a new account one week ago XX/XX/XXXX and I still can not Transfer funds. I had been with US Bank over ten years and had to Open a new account because my old one was compromised. It is now XX/XX/XXXX and can not transfer funds thru XXXX. I called 6 plus times to give social security number plus date of birth and mothers maiden name. 
In our society we call that The forgotten man! On Monday U S Bank Did call to take out payment for a loan but no go on transferring funds. 
Amount was {$1100.00} plus.
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (FL)

Affidavit of Truth Notice to Navy Federal XXXX, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas I of age of majority give this herein notice to all, I make solemn oath to the one and only most High of creation and I depose the following facts, so be it, now present ; 15 us code 1681 says Subject to ( c ), any consumer reporting agency may furnish a consumer report in in accordance with the written instructions of the consumer to whom it relates. I have been violated and abused under this notion. 

Fact, Affiant is aware and has proof in attachment labeled as Exhibit A that ( consumer reporting agency ) is in violation of Truth In Lending I was never informed or presented when the rights to cancel expired. 
No Truth In Lending disclosure forms were presented at the time of the consumer credit transaction. 
No Rescission Process during the consumer credit transaction. 

Fact, Affiant is aware and has proof in attachment labelled Exhibit A that ( NAVY FEDERAL 15 U.S. Code 1605 - Determination of finance charge is in violation of ( Truth in Lending Act1, The TILA was first amended in 1970 to prohibit unsolicited credit cards. CREDIT CARD ACCOUNTABILITY RESPONSIBILITY AND DISCLOSURE ACT ( 3 ) Notice of right to cancel. -- Each notice required by paragraph ( 1 ) or ( 2 ) shall be made in a clear and conspicuous manner, and shall contain a brief statement of the right of the obligor to cancel the account pursuant to rules established by the Board before the effective date of the subject rate increase or other change. 
" ( 4 ) Rule of construction. -- Closure or cancellation of an account by the obligor shall not constitute a default under ( B ) the creditor has provided the obligor, prior to the commencement of such arrangement, with clear and conspicuous disclosure of the terms of the arrangement FEDERALLY PROTECTED CONSUMER RIGHTS willfully and knowingly, so they are civilly liable.