davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2022-06-11
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: Experian Information Solutions Inc. (TX)

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. It has been over 30 days and I have not received a proper response within the 30 day timeframe that they are supposed to dispute these results or verify. The dates are inaccurate across all 3 bureaus and is not reporting on XXXX. Your company is in violation and must comply to remove these immediately.
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XXXX of 2021 I was put on life support, they took out there monthly fee of XXXX for the month of XXXX and the month of XXXX. I was on life support XXXX of 2021. They closed my account because I did not have the funds to cover the {$10.00} they took out for maintance. So how is it okay for them not to reach out and ask if everything is okay before closing the account. This was with Bank of America.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

I reviewed my credit report and saw a collections from AWA Collections for a debt that I know nothing about. On my credit report it states that the original debt was with the XXXX XXXX, which I am still a member of. My mail box has been broken into many times over the last 4 years and my identity has been used fraudulently. I have reached out several times to AWA Collections to have them delete this item and they have not responded. This is not my debt and I know nothing about it.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (CA)

After review my credit report I found a collections on my reports from CKS Prime Investments stating that the original debt was from XXXX XXXX  Card. I have never had this kind of card. My mail box was broken into several times over the last five years and this collections is fraudulent. I have reached out several times to this collections agency to have them delete this from my account and they have yet to do so. This is not my debt and is identity fraud and I want this collections deleted from my credit reports ASAP.
Consumer complaint received 2021-06-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: California Business Bureau, Inc. (CA)

XXXX XXXX in XXXX XXXX, CA wouldn't adjust my charges despite appeals that they were grossly over-stated. I ultimately paid the bills because the collection agency threatened my credit score if I didn't pay. The collection agency, California Business Bureau ( " CBB '' ), said that they would not make derogatory claims to the credit agencies if I paid the balance and any derogatory notices to the credit reporting agencies would be rescinded from my record. That still hasn't occurred and my credit score is suffering. They made 3 " Major Derogatory '' claims against my credit on XX/XX/21, XX/XX/21 and XX/XX/21 - all of which were excessive and have not be rescinded.
Consumer complaint received 2022-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

I want to close my Paypal account and delete my banking information from that site. They will not allow me to do either one unless I supply my social security number and a copy of my social security card. I have had no activity I this account for over a year. I am unwilling to supply this information because of identity theft concerns. I have had repeated communication with Paypal about this and they refuse to close my Paypal account and delete my banking information. I simply want my account closed. 
I had over 8 communications with Paypal between XX/XX/XXXX and XX/XX/XXXX and they would noclose the account.
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have XXXX credit cards from different companies -- XXXX, Capital One, and XXXX for XXXX. What I am noticing is that it is difficult to readily locate your credit limit when you view your account information on line. This is important to understanding and managing your total spending. What I am able to readily see, is the outstanding balance and the available credit. As you know, the outstanding balance does not take into consideration, pending charges. So, in order to get your true spending, you need to take your credit limit and subtract the available credit. I think this is very important and necessary to budget and managing your credit card spending, especially if the company raises your credit limit. In order to find your credit limit, you have to open up the last statement. Hopefully, between the time you pull the statement and when it was printed, there wasn't any change to your credit limit. I think credit card companies implemented this approach to make it difficult for the consumer to manage and budget their credit card spending, leading to increased spending. I see this a strategic tactic to get you over spend.
Consumer complaint received 2021-09-21
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-21
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)

My investigation has been going on for 30 days now and I still don't have investigation results. According to the fair credit act this is a violation of my rights.
Consumer complaint received 2022-06-11
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: ATLANTIC COAST MORTGAGE, LLC (WV)

I closed on a home purchase XX/XX/2022. My wife and I were the only ones there to close with the attorney. Atlantic Coast Mortgage charged me {$18000.00} in " loan fees '' with a VA loan. I've never had to pay anything up front with a VA loan. When I asked for an explanation I was ignored. 

Atlantic Mortgage XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NJ)

I had a phh mortgage loan, i called for a payoff quote which i recieved and was approved for a refi thru phh, i wasnt allowed to make a monthly payment due to the payoff quote at which point phh said my monthly payment was late but i wasnr allowed to pay it, then they turned around and said the had to deny the refi due to the late payment which was due to phh, I'm out {$500.00} for the home appraisal and not i have a late charge on my credit report which is causing me to not be able to refi with XXXX XXXX.
Consumer complaint received 2021-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I do not recognize these inquiries. Listed the inquiries on a separate document and I would like action taken immediately. These items are holding my financial ability and potential up. I am a victim of identity theft so I would like these items removed.
Consumer complaint received 2022-07-25
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. (OH)

I recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me. The following alleged accounts are listed as a collection with a PAST DUE BALANCE. 

Account Name : XXXX XXXX XXXX, Account Number : XXXX Past Due Balance : {$630.00} Account Name : XXXX  Account Number : XXXX Past Due Balance : {$430.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$99.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$840.00} Account Name : XXXX XXXXr Account Number : XXXX Past Due Balance : {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Past Due Balance : {$450.00} This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLINANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

Equifax reporting a XXXX XXXX account late 10 months after the account closed. Comments read : ( 30 days -2 ). The account was closed XX/XX/XXXX. They are reported late payments on XX/XX/XXXX which is 10 months after the account closed. All payments made on time. See attached documentation from XXXX XXXX. 

I have tried to rectify this with Equifax : 1 ) filed dispute on XX/XX/XXXX, faxed paperwork on XX/XX/XXXX and XX/XX/XXXX ; called and spoke with Equifax rep in XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

This needs to be rectified ASAP as this account is from 4 years ago. 

Also, XXXX and XXXX recorded accurately. See commentary in previous disputes with CFPB. 

Thank you.
Consumer complaint received 2022-06-11
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. (CA)

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 U.S.C 1681 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 also states a consumer reporting agency can not furnish a account without my instruction 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, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 


XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-09-21
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. (MS)

I submitted proof of unverified late payments to all three credit bureaus showing how late payments ahd not been verified because they were shwioign differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sen them, however, that is not what i requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. Experian and XXXX are also illegally reporting XXXX XXXX XXXX as " CO '' every month since XX/XX/2019
Consumer complaint received 2022-06-11
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. (WI)

In accordance with the Fair Credit Reporting act DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account 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 2021-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BQ & Associates, P.C., L.L.O. (MO)

I contacted the company, XXXX XXXX XXXX XXXX XXXX ( XXXX  ). I kept getting transferred to departments where I could leave a voice message that was never returned ... departments where the phone rang without answer or rang about 3 times and disconnected. I tried for 5 years at least to get a full statement. My debt was transferred to a debt collector and finally received 2 statements within a short period of time. They were to small to really be legible. These statements were sent based on a voice mail I left. I wrote a letter of insolvency and was immediately sued. To date, I have called this debt collector about 5 times in the last 2 years and there has been return call. I am being bullied and harassed. My mental health is not great and I am suffering over this situation to say the least.
Consumer complaint received 2018-10-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (OH)

On Sunday XX/XX/2018, I received an alert from a credit monitoring tool 'XXXX ', indicating a collection account has reported unpaid on my credit report causing my score to drop 40 points!! The collection account was Diversified Consultants who was servicing the account for XXXX cable. I called the company Monday morning to find out more information as I had not received a notification in any form from Diversified Consultants that they were collecting this debt. They shared with me the account is {$240.00}!!! I am in the process of building a home and I'm working diligently to increase my score and not allow for anything to decrease the score. This debt was not something I was informed about prior to them reporting to the credit bureaus as I would've made sure the balance was paid. I moved in XX/XX/2018 and submitted a change of address in XX/XX/2018 ( attached ). If Diversified Consultants sent notification of this debt to the old address ( XXXX XXXX XXXX XXXX, Oh XXXX ) it would have been forwarded to my new address ( XXXX XXXX XXXX XXXX, OH XXXX ) or returned to sender. I confirmed Diversified Consultants had the old address on file and I provided the new address to them during our conversation Monday XX/XX/2018. XXXX was aware of my relocation and had my new address as I had to physically drop off my cable and internet equipment at their office on XXXX XXXX XXXX XXXX, Ohio..
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

On Monday, XX/XX/XXXX at approximately XXXX, my father texted me that someone had called him, looking for me, he gave me the phone number so I can reach them. Right away, I called them and asked them what is going on that they have to contact my father. They proceeded to explain they were a debt collection agency named Conserve and hired by XXXX to collect a debt. I asked why didn't they contact me via mail, email, phone call, or even leave a voicemail. They explained that they sent one letter, I explained that I am traveling for work so I didn't receive it. We both understood each others side. The next explanation is that they did try to call me and I didn't answer. I said I don't answer to phone numbers that I don't know who they are, plus I'm working and I return voicemails if they leave one. They explained they don't leave voice mails if the voicemail isn't setup stating my name, so they don't give information to the wrong person. Fair enough to both sides. They didn't give me an explanation on why they didn't try to send me an email. I understand they have a job to do, like all of us in this life, but they didn't need to embarrass me to my father. Ever since I entered adulthood, I have never put his information on my legal documents. To avoid situations like this one. I asked them if its " right '' for them to look up my information to get into contact with me. They told me " yes '', if we can't reach you, we have the authority to do anything necessary to contact you. They proceeded to explain that they have a list of phone numbers to find me, I asked politely which numbers and to remove those numbers that are all family 's phone numbers. One phone number is actually my old phone number from my teenage years when I was on my family 's phone plan. From what I understood, the representative explained the " search '' of my information may have started when my old number popped up on their system as disconnected. That makes me question the steps they took in this whole process and to have my information from when I was a minor?! Am I the only one that sees the wrong in that?
Consumer complaint received 2021-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I was on payment Deferral agreement from XX/XX/XXXX until XX/XX/XXXX for 6 months. After that I was making payment every month with out missing on time. I Agreed with the company to add the amount of XXXX unpaid COVID forbearance in my principal. Received a statement dated XX/XX/XXXX that I own them past due payments of XXXX and results in fees and foreclosure. I never missed any payment. Blocked me to refinance my current loans by putting wrong information in my account. My current interest rate is 5.1.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX and XXXX of this year, 2021, someone used my ATM debit card from the Bank of America to make XXXX  of dollars of unauthorized purchases. I never lent my card to anyone, and I never told anyone my debit card number, PIN, or the three-digit security code on the back of the card. This person, or group of persons, drained my checking account of over {$3700.00} in unauthorized purchases, mainly from XXXX XXXX, XXXX, XXXX, XXXX XXXX, and many other merchants. I filed a police report with the XXXX XXXX Police Department, and I faxed this police report to the Bank of America. Despite all of my efforts, the Bank of America has declined to reimburse me ; they have stated they don't believe my claims of fraud.
Consumer complaint received 2022-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MD)

I received a notice from source receivables regarding a debt from 2020. I dont remember owning any XXXX and I request a debt validation. Attached is official dispute letter requesting documentation XXXX XXXX XXXX $ XXXX states I have the right to dispute inaccuracy on my credit report. If inaccuracy is found, the credit bureaus must remove inaccurate item on credit file. 
Under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. 
XXXX ) Consumer may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after the harmful behavior or within five years after the harmful behavior occurs.