davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ROYAL UNITED MORTGAGE LLC (NJ)

Since you closed the complaint no : XXXX, I want to bring to your attention further fraud by royal united. In their response they said that we applied for loan on XX/XX/XXXX, and gave them permission to charge appraisal on XX/XX/XXXX. Infact, XXXX XXXX, their agent called us almost at XXXX  to get our credit card details, we were exhausted and half asleep. We asked him why does he need the credit card so soon, we don't even have a proper response from the seller not even an inspection date. He said it's just for record and will be charged only 10 business after inspection with the consent of buyer and seller and only if the inspection report is satisfactory. Infact, even our broker asked us why is your mortgage company taking your credit card details for appraisal prematurely we haven't even heard from the seller about final inspection date, then we informed her that XXXX said he won't process our loan without the credit card, it's just for deposit. We didn't give him permission to charge our card one day after loan application. Why will we apply for loan on XX/XX/XXXX and ask to charge on XX/XX/XXXX? They also agreed that appraisal was supposed to take place on XX/XX/XXXX with our consent. Then how and why did they charge us on XX/XX/XXXX without an inspection report and without consent from seller and buyer. Firstly, how and when did appraisal company go to the sellers house without sellers permission from XXXX  until XXXX XXXX to have the report ready to charge us by morning XXXX XX/XX/XXXX considering we only applied for loan on XX/XX/XXXX. Also, they agreed that the report of the house is not satisfactory then why did they fraudulently charge us and continue to misrepresent and misguide us. Why did he call around XXXX asking us to provide credit card details under the pretext of it being a valid loan process? They also contended that we don't respond, well we have tried calling them over 30 times, they ignored us. Have taken our money and left us stranded. They continue to harass and frustrate us to the point where we've lost trust in the system. I hope you can atleast recognize their fraudulent behavior and direct us towards the right path against such scammers. Thank you. Find attached, date of charge and outgoing call list
Consumer complaint received 2019-10-29
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: TD BANK US HOLDING COMPANY (VT)

Hi, I have a TD Bank visa and three months ago someone is bought online from the store XXXX XXXX for a amount of {$510.00} and they ordered three times food at the XXXX dishes. And now the TD Bank visa service disputes department they refuses to do a real investigation about this purchase. I call my self the store XXXX XXXX and I spoke to the fraud department and they have all the information about the person who is ordered women clothing and shoes and the delivery address. Im dont know what Im suppose to do, to fix this problem, I call many times TD visa and with no results, it the worst service I had ever. As soon I fixe this problem I will transfer all my funds from this XXXX TD Bank. 
Thanks
Consumer complaint received 2023-01-12
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. (CA)

This is my Multiple requests 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 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 Balance : {$3900.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX... Balance : {$1700.00}
Consumer complaint received 2021-08-21
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Enter Bank of America in XXXX Illinois and later the same day in another location near. I had to wire XXXX K to my business account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Next, I was told the funds where put on hold even though they are available due to Manager XXXX discretion. Arbitrary and cruel since I needed the funds ASAP to close on a real estate transaction and prevent from being in breach of contract. Manager claimed she could use desecration to block my wire transaction. Next, I traveled to another Bank of America and the same thing happened. Mystified I said to the Manager that I would hold her liable if she caused me to be in breach of contract. The manager of the first and second bank was aware of the escrow company because it was local. All this time, I was on hold with online customer service trying to remedy the problem. Then a nice junior customer service woman helped me process the wire online. After, I walked in and told the manager that someone covered for her. She did not want to return my identification and was rude. She continued her rude and disrespectful tone with me saying she could not help me even though I had already processed the wire. 

Currently, one of the managers placed a XXXX dollar hold on my account. This is harassment beyond reasonable doubt. Even seems they tried to provoke me at time. I was speaking in a low tone and the manager says lower my voice in a condescending manner. The whole affair felt a another XXXX attack. Even still I closed the real estate transaction that Friday overcoming the harassment and blatantly XXXX XXXX managers.
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (ID)

I can not talk to anyone at experien credit reporting agency. They have no way to talk to a real person. I have filled a dispute at their sight and no response. I have tried to get through their phone tree but I can not get to a real person.
Consumer complaint received 2021-10-15
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I sent a letter to Capital One Bank USA N to validate a false debt that they put in my name and has been negatively effecting my credit report, it has been over thirty days since I sent the first letter which they have failed to respond to with a validation, they continue to send me emails about updating the my information since they do not have the proper information on my to validate it.
Consumer complaint received 2021-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

They failed to respond my request tracking # XXXX item was delivered at XXXX am on XX/XX/2021, in XXXX XXXX, MN XXXX letter attached. which is a FDCPA violation, and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation To whom may concern This complaint is to formally advise you that your company has violated my consumer rights in the following ways. 
Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my letter- FDCPA violation As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. 

This is a notice of default and opportunity to cure ( letter attached ) for I C SYSTEM as the affidavit sent in support of my claim was not rebutted and my demands in the cease and desist were not met. This is an opportunity to settle this dispute by acting in good faith by providing my request of remedy due to the wrongdoings done against me. 

In this attachment will be all previous attachments sent to I C SYSTEM including affidavit of truth, Exhibits A ( Pointing out each violation ). I will be producing an invoice in the future with new violations in the case you default again, and a lawsuit will be commenced against you. 

My specified remedy for damages incurred are as follows : Removal of all negative reporting from all consumer reporting agencies. 
I demand you pay the invoice attached for each labeled violation If you dont comply with my request ( remedy # 1, remedy # 2 ). A Lawsuit will be commenced against you adding further injury, damages, mental anguish, and losses due to me being a victim of violations and identity Theft by your company.
Consumer complaint received 2021-10-15
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. (PA)

I am writing to remove the following information in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please remove these as soon as possible. 
I XXXX XXXX am making this complaint. This is not a third party, you guys tried this before.
Consumer complaint received 2024-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (ID)

I received payment on Venmo this week for a service I provided. When attempting to withdraw the funds to my bank account it failed and I received an e-mail stating that my account was suspended due to violation of their user agreement ( no such violation occurred ). Suspended accounts have no access to their funds. The email indicated I need to prove my identity with identification and I have provided a scan of my passport to them. I have not heard a response, and I'm unable to reach a human contact as they have near fully transitioned their consumer help center to unhelpful AI chat. 

Upon further research online this appears to be a common practice with them. 

Venmo account : aaronxphillips e-mail associated : XXXX XXXX
Consumer complaint received 2021-04-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

I filed a fraud case with my bank BB & T in XXXX, Ga. So this what happened I planned on buying a XXXX via social media XX/XX/ guy turned out to be a fraud I did not authorize sending money to him he was posing as another person. The money was sent through XXXX in my banking app so I knew my money was safe. Turns out it was not I filed my fraud claim and they denied my claim it was for {$550.00} dollars. My claim number is XXXX The reason they denied me cause they said it was not they responsibility this XXXX me off tremendously. They did not even contact me telling me I was denied I had to call them. So when I called XXXX they said if I had a account because of my bank take my issue up with my bank since my account is not on the actual XXXX app. So XXXX or my bank does not want to take responsibility which ultimately leads to me being out of {$550.00} dollars for no reason BB & T did a very poor job of explaining this ion even have a XXXX account personally only knew about it because of BB & T. Ion see why they would let us use XXXX on the BB & T and not insure our money I feel used and mislead by BB & T. I dont think its fair that they know my money is gone due to fraud and they said its nothing they can do for me this makes me livid. I am a XXXX XXXX and didnt receive any stimulus checks I dont have money to waste BB & T seems very uninterested in my problem and situation and after this situation is taken care of I plan on closing my account and cutting my ties with the bank. If they can talk to me for a hour at the branch about getting one of their credit cards they can explain the terms they have for XXXX. I turned in tremendous evidence I am trying so hard to get my money back. The terms XXXX and my bank are tallying about does not benefit me at all it benefits scammers.
Consumer complaint received 2021-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

OnXX/XX/2021 I received a Letter from this collection agency in response to a Debt Validate Letter. The information that they provided was unverifiable and the alleged debt is invalidated. They did not include proof of legal right to collect on these debts, nor proof of contracts bearing my signature, nor proof of licensure and nor proof they are within the states statue of limitations. Under the Fair Credit Reporting Act and other consumer protection acts, it is my responsibility to investigate and ensure that the details being reported to the credit bureaus are accurate. I am distressed  that the company has not provided me with what I have asked for. I demand these debts to be deleted from my credit file and cease all collection activities immediately.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (OK)

I REQUSTED COPYFREE ANNUAL CREDIT REPORT ON XX/XX/2021 FROM ALL 3 CREDIT AGENCIES AND TO THIS DATE HAS NOT BEEN RECEIVED
Consumer complaint received 2019-10-29
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. (WA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-12-17
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. (IL)

The company Experian refuses to dispute my inquiry into accurate reporting stating the following. 


You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute.
Consumer complaint received 2019-10-29
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. (WA)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2022-01-04
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. (NC)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-08-12
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: EQUIFAX, INC. (SC)

My name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my legal rights.
Consumer complaint received 2019-10-29
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

As I see from the XXXX Inquiry from XX/XX/2019 by XXXX XXXX XXXX XXXX - made 6 hard enquies on the same day without my notice. I request to take action/ investigate and remove the Hard inquires from my account. 

Below are the INQUIRIES made : 1. Capital One - Auto Financing ( Inquiry from XX/XX/2019 ) 2. XXXX XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 ) 3. XXXX XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 ) 4. XXXX XXXX XXXX XXXX - XXXX XXXX, New ( Inquiry from XX/XX/2019 ) 5. XXXX XXXX XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 ) 6. XXXX XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 )
Consumer complaint received 2024-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (TX)

XXXX XXXX XXXX  {$2800.00}. Someone had used my information to apply for an apartment I believe a CPN. I went up there personally to resolve it but it is a major language barrier. 
XXXX XXXX ( insure of amount ) this is also a fraudulent account I did not give them permission to take a loan out. 
Ashmer Collection Service- {$720.00} fraudulent account not given my permission. Company has not followed up with any requested account information. 
XXXX XXXX XXXX Fraudulent account not given my permission. Company has not followed up with any requested for validation of account details.

XXXX Department of education - Balance was paid off in XXXX by me and my dad I need this take off my credit report. 
Ashmer Collections- ( Unsure of amount ) could not get in contact cant not get verification of account details XXXX XXXX XXXX XXXX unsure of amount ) fraudulent account cant get status or verification of account details XXXX XXXX- {$240.00} this account was used with a CPN as well when someone used my information to apply for an apartment. I asked them to verify and have yet to see anything removed I had a credit analysis done and didnt realize this is why I been having a hard time moving out of my dads house. I need some help getting this removed as I need to move out soon. I did lose my social, id on the bus 3 years ago and a lot of random stuff is reflecting on my credit that needs to be removed.
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cedars Business Services, LLC (CA)

The debt collection agency Cedars Business Services contacted me on XXXX  XX/XX/XXXX about an outstanding debt ( which shouldn't exist in the first place ) and did not tell me how to dispute the debt. Their email is attached. 

It was only because I am familiar with CFPB and federal laws that I was able to send back an email disputing the false debt. Had I not known this I would've not have been able to defend my rights given the debt collector 's false and deceptive tactics. 

According to California law : " Within five days after a debt collector first contacts you, it must send you a written notice, called a " validation notice, '' that tells you ( 1 ) the amount it thinks you owe, ( 2 ) the name of the creditor, and ( 3 ) how to dispute the debt in writing. Don't give a debt collector any personal or financial information until it sends you this validation noticeit may be a scam. '' XXXX XXXX XXXX