davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CIT BANK, NATIONAL ASSOCIATION (NM)

My CIT Bank IRA CD matured on XX/XX/2020. It contained {$40000.00}. I opened an IRA account at the XXXX XXXX XXXX and had the credit union complete a form instructing CIT Bank to transfer the IRA funds to my account at the XXXX XXXX XXXX. CIT Bank gave me specific instructions on how to complete the transfer form. 

XXXX XXXX XXXX prepared and signed the form, as did I, with the information provided by CIT Bank. I faxed the form to CIT Bank ( the credit union said they would have to mail it ) and confirmed that the form was received by CIT Bank. CIT Bank informed me that it had mailed a check to XXXX XXXX XXXX on XX/XX/2020 and closed my account. CIT Bank informed me that the check was mailed by first class regular mail with no tracking number and that it should be deposited by XXXX XXXX XXXX within 7 to 10 days. 

It is now 15 days since the check was mailed and XXXX XXXX XXXX claims that it has not received the check. I have been trying to reach CIT Bank 's toll free customer service number at XXXX for days, multiple times per day. The phone is answered by a recording that directs callers to a menu to select an option. To speak to a customer service agent I touch 0 and always get a message stating that " Your call can not be completed as dialed. Please check the number and call again. '' Even when I select option 1 to open a new account, I get the same message. 

This is not normal. I am able to send a message regarding my account and sometimes get a response, but I want to talk to someone who can tell me the CIT Bank number on the check and whether it has been cashed and what to do next. I am at a loss and also anxious about the whereabouts of my {$40000.00}. I am XXXX years old and that is my retirement savings. Please help me. I want to talk to a live person at CIT Bank. If I can't get through, I am sure no one else is able to.
Consumer complaint received 2021-08-27
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: EQUIFAX, INC. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to follow up on previous disputes concerning numerous negative items that continue to appear on my credit reports across TransUnion, XXXX, and XXXX. Upon reviewing my credit reports from each bureau, I have noted several inconsistencies in the reporting of collection accounts, which I do not recall and believe to be inaccurate and unverified.
Consumer complaint received 2024-11-14
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. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2020-09-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

The mortgage servicer, Freedom Mortgage failed to pay the premium for our homeowner 's policy out of the agreed upon escrow account. The payment was due by XX/XX/2020, and on XX/XX/2020 payment was not received by the insurer and coverage was cancelled. I was forced to pay out the full premium of {$2500.00}, and a late payment of {$250.00} out of pocket. 

This is the 3rd time since origination of this loan that the homeowner 's policy has been cancelled for non-payment, and the payment has always been under the purview of .escrow. 

I wrote a notice of error to Freedom Mortgage on XX/XX/2020, and sent it certified, return receipt. The letter and numerous phone calls stated that I had PAID the insurance amount in full, and requested that escrow be removed. According to their records, XXXX then sent the amount of {$2500.00} to pay the {$0.00} balance to the insurer. I finally received the refund FROM THE INSURER on XX/XX/2020, over 2 months since I paid the insurer in full. 

On XX/XX/2020, Freedom Mortgage did send a response to my notice of error, stating " we have consented to terminate the escrow for REAL ESTATE TAXES and/or homeowner 's insurance '' ... '' within 14 days, '' ... '' refund any balance. '' As of XX/XX/2020, I have not received a refund, NOR has my escrow been removed from the payment. 

I do not trust Freedom Mortgage to pay taxes and/or insurance out of escrow in a timely basis, therefore I want to end escrow.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In regards to account number XXXX from XXXX XXXX XXXX XXXX on my personal credit report. 

Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided. I am further requesting the name of the person providing this data, and the manner in which it was provided, in order that I may pursue additional remedies.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

This account is not reporting correctly. This was a corporate loan that did not require a personal guarantee. I have disputed this account but no one pays attention to rectifying the needed corrections. This account was paid off and not late.
Consumer complaint received 2020-09-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

I have attempted to validate this debt directly through the collection agency. CSA has been granted more than 30 days to validate the debt and has not fulfilled there obligation. I have attached the validation request : Please assist with removing items from credit report per FDCPA. XXXX  has not conducted a reasonable investigation COLLECTION SERVICE OF ATHENS Account Number # # # # # # XXXX - {$49.00} COLLECTION SERVICE OF ATHENS Account Number # # # # # # XXXX - {$430.00} Validation Delivered on : Your item was delivered at XXXX XXXX  on XX/XX/2020 in XXXX, GA XXXX. The item was signed for A M. 

CSA Inc. 
XXXX XXXX XXXX XXXX # A XXXX, GA XXXX USPS # Tracking XXXX /Priority Mail
Consumer complaint received 2022-12-13
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. (GA)

15 U.S.C. 1681 section 602 A. states I have the privacy!!!!!!

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instruction. 

consumer reporting agency is also supposed to do a proper investigation to see if the debt is mines by interviewing my jobs and neighbor which they failed to do. Putting in XXXX XXXX software to the other agency to come back verified is not the proper way in law to do.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX : XX/XX/XXXX Account # : XXXX XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On ( XXXX of XXXX ) I checked my consumer report and your company reported an alleged debt on my consumer report. I do not agree with the amount your company has put in my consumer report. Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 USC 1692g ( a ) ( 1 ). Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Also please keep in mind that only the creditor is the person who can validate these debts. Pursuant to 15 USC 1692a ( 4 ) the term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. Only a consumer like myself are the only people who can extend credit. So therefore, I have created the debt, but I do not own the debt. If you claim that I own the debt than please send me the instrument of indebtness with my signature. Also please keep in mind numbers or ID numbers is not a signature. If you can not provide me this instrument of indebtness than the debt is not owned by me and this has to be removed from my consumer report. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated plus the instrument of indebtness with my signature of me approving this debt. 

Best regards, XXXX XXXX
Consumer complaint received 2023-02-02
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. (NY)

My name is 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.
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lake City Credit (TX)

When pulling my credit, I noticed there was an extremely high account recently placed in collections by Lake City Credit ( XXXX XXXX  XXXX XXXX XXXX, TX XXXX ) On XX/XX/XXXX, I sent a Debt Validation Letter by certified mail to Lake City Credit in efforts to validate the debt shown on my credit report and better understand what was being reported. Today XX/XX/XXXX, I have not received a response. I researched Lake City Credit and was able to verify that this company is not licensed or bonded and has no right to collect a debt in Texas, but the reason for my complaint is, when I researched the account I noticed Lake City Credit is attempting to collect on an XXXX  account closed in XX/XX/XXXX. I feel this creditor is violating the XXXX XXXX  by placing a extremely high balance ( {$9000.00} ) on my credit and attempting to collect on what is consider a " zombie account '' without validating the amount owed since under the FCRA 15 U.S.C. 1681i, all unverified accounts must be verified or removed from my credit. 

Attached are my supporting documents.
Consumer complaint received 2023-06-20
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. (CA)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00}.
Consumer complaint received 2024-09-15
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. (FL)

Is 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 FAIR XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 Section 602 A.states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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, 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 2022-10-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Amsher Collection Services, Inc. (FL)

In accordance with the fair credit reporting act, this creditor ( XXXX  ) violated my rights on XX/XX/2022. By using a collection company called, AMSHER COLLECTION SERVICES, to solicit {$290.00} from me. Code 15 USC 1681 section 602 states I have the right to privacy, under code 15 USC 1681 SECTION 604 A section 2, a consumer reporting agency may not furnish an account without my written instructions. Under code 15 USC 1666B A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. Please remove this collection account from my credit reports. Thank you
Consumer complaint received 2022-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

Pursuant to my rights under the provisions of Public laws 95-109 and 99-361, known collectively as the Fair Debt Collection Practices Act ( FDCPA ) and other State and Federal Debt Collection Laws, I formally notify you to cease all communications with me regarding this alleged debt or any other alleged debts that you claim I owe. This debt does not belong to me, so cease all communication. Including any negative reporting to credit companies, as that is also communication to me through an alternate outlet.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The credit bureau 's are reporting inaccurate information on my credit report. The following accounts on the attached dispute letters are not mine. Please stop them from reporting this illegal and inaccurate information
Consumer complaint received 2023-03-06
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: SYNCHRONY FINANCIAL (NY)

I received a letter in the mail from Synchrony Bank saying I tried to open a credit account with Walgreens but they were unable to access my credit report. My credit reports are frozen. However, I never applied to any credit account with Walgreens. I called Synchrony bank, they couldn't find anything and I called Walgreens but they said everyone who tries to apply for Walgreen credit will do it online and that application goes straight to Synchrony bank. Therefore, they wouldn't have any information regarding this. Synchrony bank can only assure me that no account has been open but they can't help me with locating the source of this letter since I did not apply for any credit account with Walgreens.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I am attaching a copy of my most recent correspondence to a credit line provider, XXXX, regarding their incorrect reporting to credit agencies for my loan for a property in XXXX. I have not received a reply since sending this communication back in XXXX and have paid that line off completely since. Evidently, my plea to right their entry on my credit report has been ignored by the lender. Details of the request below : I reached out to XXXX to clarify the fact that the missed payments on my loan # XXXX were reported on my credit report despite the loan 's having being discharged in the bankruptcy of my co-borrower. 

In the attached communication to the company, I detailed the circumstances of this loan and all of my bone fide efforts to regain control of the property and my eventual successfully executed transfer of title to my own 100 % ownership through a quit claim deed signed by the bankruptcy-discharged co-borrower.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The company is not really looking into my credit report issue. Now since this is the third communication. The company has continued to report items on my report which can not be linked to me if they actually contact the company or court and which FCRA 609 require them to provide proof of the debt or records that justify the documentation on my credit report. This would clear any misunderstanding and the information that needs to be updated will be updated. The company act as if its not their responsibility to obtain all documentation that legally ties me to any debt or public records that are listed on my report. I am now needing to exercise my rights using FCRA 609 guidelines which require them to follow what I mention.
Consumer complaint received 2020-09-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

XX/XX/XXXX I was contacted by a XXXX XXXX XXXX representative stating that an imminent court summons was coming with intent to sue, put a lien on my home and garnish my wages. This was regarding an HSBC Bank credit card I assumed was discharged in bankruptcy in XXXX. I was told by the representative that my attorney said the HSBC account had not been included in my bankruptcy and the debt had ballooned with interest and penalties. Oddly, this debt is and was not on my credit report. Not did I ever receive any written notification of the debt. With my work reputation being threatened, I foolishly made a settlement payment for {$1700.00} with the understanding from the representative that I would receive a certified letter detailing the debt and the HSBC account number. I intended to present this to my attorney for comparison. The letter never came. The threat to my reputation and home caused me undue stress and caused me to make a hasty decision that I would otherwise not make. Hindsight is of course 20/20 : I never received a validation notice ; the debt did not appear on my credit report so it is quite possibly time-barred ; the tactics used were classic coercion.