davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Academy Mortgage Corporation (WA)

PMI was scheduled to auto terminate when loan to value reached a predetermined 80 %. 
PMI was continued without any relief for 6 months until I contacted the company to remove it. They stated that they could not remove the mortgage insurance because they could not determine the value of my home. This is false because they sent me monthly notices of current valuation of the property. I was offered the option to pay XXXX for an independent realtor valuation which I agreed to do. The valuation was determined to satisfy the removal of PMI but still has not been completed. I am requesting a refund of 6 months of the PMI payments made from my escrow account since it should have auto terminated. All data available on line exact numbers are available within the account profile.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I recently sent letters over 60 days ago to Experian and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I am extremely frustrated, distressed, and I feel like my requests are being ignored. Section 611 ( a ) says that a failure to investigate within 30 days is cause to immediately remove those items from my credit report it has been well over 45 days so everything should be deleted promptly. I demand these inaccurate items be removed immediately or I will be forced to take action via litigation due to the emotional stress you are causing me. My information has been impacted by the XXXX breach and I feel my information may have fallen into the wrong hands. Please delete immediately.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Hello, I sent letters to the three national reporting agencies, Experian, XXXX, and XXXX regarding incorrect personal information and accounts. Not only are my names incorrect, but there are very concerning accounts whom of which I have no connection with on these credit reports. This is causing many issues and hardships in my life. With the rising prices in rentals, I am finidng myself needing to secure my own home and this is holding me back. 

Starting on or around XX/XX/2022, I sent each of these agencies letters and included documentation to show proof of who I am which was the new Real ID through the XXXX and proof if address. XXXX responded saying they would not move forward because they did not believe it was me. XXXX and Experian totally ignored the letters and I received zero feedback.
Consumer complaint received 2020-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

I received a debt collection notice from Genesis Debt Collection. XXXX XXXX XXXX placed the collection on XX/XX/20 for {$280.00} with no explanation. I never used XXXX XXXX Services. I tried to call the company but the company has a voicemail saying no debt collection will not be discussed on the phone.
Consumer complaint received 2020-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account.
Consumer complaint received 2022-07-09
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. (OH)

In Accordance with the Fair Reporting act XXXX Account, has violated my rights. 

XXXX5 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 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-12-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA (FL)

Its been brought to my attention that my contract is in violation of federal, U.S. Code 1605 - Determination of finance charge As well as illegally asking for a Down Payment in order to finance my XXXX  XXXX XXXX which was purchased at XXXX XXXX XXXX XXXX XXXX. List of other violations that may have been included Code S1635- right to rescission 15 U.S.Code $ 163560-right to rescind after 3 years if rescind paper work was never furnished Is U.s. code S 16356 - right to rescind and keep the property 15 U.S.Code {$1600.00} - Finance charge defined 15 U.S. Code 1662 ( b ) - mixing cash with consumer credit transaction 10
Consumer complaint received 2020-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (AZ)

I had a fraudulent Credit card account opened in my name, with a bank called the CITIBANK. The account was opened on the XX/XX/2019. The opening balance of the account was {$3200.00}. I already took some action to have this account closed, by actually having send a credit dispute using my XXXX  account, the account did appear close on my XXXX account, but now it has come to my understanding that, the account dispute was never resolved because a collection letter was sent to me, asking me to make payments on the fraudulent CITIBACK account which was opened in my name.
Consumer complaint received 2022-10-10
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. (NC)

Under the Fair Credit Reporting Act, they have violated my rights 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 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I contact XXXX XXXX on XX/XX/2018 and they responded. On XX/XX/2018 I provided further information as to their failure to uphold their own lease terms. 

The constant XXXX XXXX, the lack of the use of Washer and Dryers and money wasted. The neighbors downstairs noise and guest violence. My daughter grades are suffering and Im just exhausted with it all. I appreciate so much the opportunity to make a fresh start but my whole life was just crippled by the environment and inability to have space to even relax. Im working sometimes XXXX am to XXXX XXXX  and its just constant noise and disrespect of the community. If I try to tune it out then my downstairs neighbor beats the ceiling or slams the door. She is volatile and manipulative and it triggers me to get so depressed because I am upset. I cant function and be productive like this. 

On top of these issues there were several XXXX snd XXXX users on the premises and soliciting drugs to my daughter as she walked to and from school. This company put my childs life at risk snd endangered others. The leasing management partner XXXX XXXX offered me to move properties but all were very similar to the same environment. 

I do not owe Genesis Credit Management XXXX XXXX XXXX. There has been no debt verification, validation sent to me ever and I be not resided on this property in over 2 years. 

Until they can provide proof of NOT allowing drug activity on the premises and allowing barred/banned residents to remain in the property and also child predators on the property as it relates to THEIR own terms and conditions and bond agreement then there is no basis for this collection claim and it needs to be removed immediately!
Consumer complaint received 2021-05-07
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. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My Capital One/Walmart Mastercard is requiring approval of each purhase from the same merchant I have been using for more than 50 transactions. Its harrassment to have me verify each and every purchase
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

Hello I have banked with usaa Federal bank for over 6 years which is a military bank I move around a lot I have had accounts that have been closed do to Negative Balance and I have paid them off before it Reached my credit I just had a account that I paid off I let the bank know that I had death in my immediate family and that I was impacted by COVID-19 I asked them not to close the account because a large amount of money was coming in I only did that because they say to let your representative know if you are impacted by COVID-19 so my big deposit came in they took care on the account and paid it off and they sent me a check for XXXX I then took that check and A mobile deposit it in another checking account with USAA the next day they said there no longer want me to bank with them and said that XXXX they will close my account and sent me any funds I have rent to pay by Monday XXXX of XXXX they told me there is nothing they can do I will have to wait 60 days my son has a youth account and they will also hold his funds I have called and ask why are they doing this they have said they will reverse the decision because there was a miss understanding and that someone will call me no one has called and I have to just wait for them to send my money they said they have the right to make a decision and lock me out of my account I told them it COVID Im behind on bills but there nothing they can do! They also told me that they dont have to list a reason for there decision but I think they are really unfair as a bank institution to keep receiving Direct deposits and locking a person out of there account no fraud was committed and they could have contact me to give a warning saying whatever instead of locking me out my account I have XXXX kids and no money no cash no nothing! Please help me thanks my email is XXXX my phone number is XXXX however my phone maybe off do to the fact I cant pay it because of USAA
Consumer complaint received 2020-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

Hello, I am disputing a frivolous collection account that is appearing with the credit bureaus from the company Credit Collection Services. I have sent a few letters ( 5 ) to be exact to the frivolous company and the credit bureaus. The bureaus have failed me and violated FCRA. My most recent letter dated XX/XX/15 ask the said company to validate this irroneous said debt. Credit Collection Services sends a bill. A freaking bill anyone can type up a bill, this bill absolutely does NOT suffice. I specifically asked for a contract with my signature. This agency didnt provide the request validation per the FCRA within the 30 days. Violation to FCRA. Violations as me being a XXXX woman in America trying to survive. I am so shocked that these companies can place frivolous accounts and the bureaus allow this. I am demanding this account be removed in its entirety and completely from all the bureaus.
Consumer complaint received 2020-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$3000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Consumer complaint received 2022-10-29
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: Experian Information Solutions Inc. (TX)

Inquiry was solicited or not authorized I have attempted to resolve this issue to no avail. This was reported to the credit reporting agency without my consent and is a violation of my rights according to the FAIR CREDIT REPORTING ACT. 
15 USC 1681 602A states I have a right to privacy.

15USC 1681 section 604A also states a consumer reporting agency can not furnish an account without my written instructions..
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Equifax has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status positive and update the late from reporting on this account. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-19
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. (AL)

You failed to respond to my dispute letter and you failed to verify that these accounts belong to me before the end of the 30-day period beginning on the date that you received my dispute letter. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. The files listed below are inaccurate and unverified and I am requesting that you delete all of them from my credit report immediately. 

You are also required to send me a copy of my credit file showing that these items have been removed.. Please provide me with a copy of an updated and corrected credit report showing these items removed. 
Account name Account number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently sent letters over 60 days ago to TransUnion and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Consumer complaint received 2020-11-13
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. (TX)

I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The account I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.
Consumer complaint received 2020-11-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

On XX/XX/XXXX I sent a dispute letter to LVNV Lending Company, XXXX XXXX XXXX  and XXXX  credit bureau regarding a collection/charge-off that was opened in XXXX. There are 4 inaccuracies on this report. Transunion is the only credit bureau listed on my credit report while XXXX  and XXXX  has since deleted this collection/charge-off from my report. It is well over 30 days again and the account still hasn't been updated or removed.
Consumer complaint received 2020-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (AZ)

I had a fraudulent Credit card account opened in my name, with a bank called the XXXX. The account was opened on the XX/XX/2019. The opening balance of the account was {$3200.00}. I already took some action to have this account closed, by actually having send a credit dispute using my experian account, the account did appear close on my experian account, but now it has come to my understanding that, the account dispute was never resolved because a collection letter was sent to me, asking me to make payments on the fraudulent XXXX  account which was opened in my name.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: VYSTAR CREDIT UNION (FL)

On XX/XX/2022, my wallet containing my debit card and bank information was lost and I received an unauthorized charge of {$540.00} on my debit card. My bank is refusing to dispute the transaction and refund me because they claim my pin the chip were used. However I did not make this transaction. I attempted to contact the merchant but they stated they were only able to refund fraudulent online purchases and this purchase was made in-store.
Consumer complaint received 2020-11-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Keep receiving calls multiple times a day from different numbers under the same company, Portfolio Recovery. I don't have any debt from this company at all ive told them to stop calling, ive tried blocking multiple numbers they've used and have still been receiving calls for the past 2 months on a daily basis multiple times a day.