davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-29
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)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, and ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Consumer complaint received 2022-06-23
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. (TX)

Equifax, XXXX + XXXX Dispute Was File Immediately After Seeing XXXX XXXX XXXX XXXX XXXX XXXX 30 Day Mark For XX/XX/2022. After Filing Dispute All Credit Bureau Updating Improper 30 Day Marking For XXXX, XXXX & XXXX. The 28 Day Months/Short Months It Seem Were Updated To Reflect 30 Day Marking,
Consumer complaint received 2022-06-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PNC Bank N.A. (SD)

The original debt was with BBVA Compass Bank which is now owned by PNC Bank. PNC is attempting to collect a debt which they are alleging I owe in amount of {$1500.00}. This is the first time Ive heard of any of this. Insurance and XXXX coverage paid the vehicle off in XXXX. Furthermore there was also a lawsuit filed in the United Stated District Court for the District of Arizona XXXX XXXX XXXX. : XXXX regarding a cease and desist when the account was active to stop calling and texting. When the representative XXXX XXXX called and texted on XX/XX/XXXX I spoke with and advised of the previous payoff and settlement with Compass Bank and sent copy of settlement agreement. Spoke with XXXX again yesterday XX/XX/XXXX and he advised he will need to send the information to his supervisors for review and will call back. XXXX was extremely professional and respectful following all protocol and laws. Today XX/XX/XXXX I received a call from XXXX XXXX and she was not only harassing but threatening to put a lien on my house ( even though I dont own a home ), garnish my wages ( I am unemployed ), and garnish my bank account. I told her she would need a judgment and she said they do not. Furthermore the last payment made in this account was XXXX of XXXX which is older than the statute of limitations of 4 years for an auto loan debt. She advised that doesnt matter and they will continue to call and text until this debt is paid. Screenshot for texting to stop is attached. XXXX is very wrong. I asked PNC to cease and desist and she stated that is not an option. I said under the FDCPA it is required they stop contracting me if I have asked them to stop calling. She then was very rude and said she will not take advice from someone who doesnt pay their bills. Very unprofessional. Ive advised PNC of the dispute in writing and Arizona ( where the loan contract originated ) Statute of Limitations of 4 years. Furthermore this is the first time Ive heard from Compass Bank or anyone regarding this account since XX/XX/XXXX. They continue to harass and it has gotten to the point that it is causing loss of enjoyment of my life.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Nissan Motor Acceptance Corporation has reported my loan as discharged via bankruptcy XXXX. 
The loan was never part of bankruptcy. I paid my loan as agreed in full XX/XX/XXXX. 
I have disputed it more than once. 
I sent a certified letter to Nissan Motor Acceptance Corporation requesting that they fix the credit reporting. 
I have documentation that I paid it in full in accordance with my loan agreement.
Consumer complaint received 2022-07-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I surrendered my XXXX  XXXX XXXX. Capital one sold the vehicle but did not provide me information. Capital one listed a total due of {$9900.00} dollars remaining of the vehicle loan. However they recently closed the account after I demanded them to stop contacting me in regards to this debt until they can provide the sufficient validation for the alleged amount.
Consumer complaint received 2022-06-29
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: Experian Information Solutions Inc. (NY)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$100000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-06-28
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. (CA)

I, XXXX XXXX, consumer, and natural person, am aware of all rights under the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX account no. is XXXX .... 
XXXX  account no. is XXXX .... 
XXXX XXXX XXXX account no. is XXXX .... 
XXXX account no. is XXXX ..... 
XXXX account no. is XXXX ..... 
XXXX XXXX account no. is XXXX .... 
XXXX account no. is XXXX... 
XXXX account no. is XXXX ..... 

delete all these accounts or be fined {$1000.00} for each violation
Consumer complaint received 2022-06-28
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)

I, XXXX XXXX, consumer, and natural person, am aware of all rights under the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX account no. is XXXX .... 
XXXX account no. is XXXX .... 
XXXX XXXX XXXX account no. is XXXX .... 
XXXX account no. is XXXX ..... 
XXXX account no. is XXXX ..... 
XXXX main account no. is XXXX .... 
XXXX account no. is XXXX... 
XXXX account no. is XXXX ..... 

delete all these accounts or be fined {$1000.00} for each violation
Consumer complaint received 2021-03-03
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. (MD)

Several reports from the police department and notarized letters from the XX/XX/XXXX Court House have been submitted to all 3 credit bureaus to remove Fraudulent accounts that were opened. 

I have proven that based upon section 609 that it requires the companies to provide a contract bearing my signature and no such documents have been produced. I have sent in over 8 requests for deletion of these fraudulent accounts from my credit file. 

XX/XX/XXXX has successfully removed the negative items listed. 
I am awaiting the HARD inquires to be removed as a result of the fraudulent activity. 

Additionally, the credit bureaus have failed to provide accurate information within 30 business days starting from XX/XX/2020. According to the FDCPA and HIPAA collection laws the requested deletion must be honored and adhered to by law. Failure to do so has caused me financial harm and is a violation of my rights.
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Everest Receivable Services Inc. (FL)

I received an Email and then a phone call from Everest Receivable Services indicating that I owe {$890.00} for a XXXX XXXX XXXX account , an account I've never had, much less any bill in that amount. 

I know which credit cards I had and which bank account I had, neither of which belonged to the above-mentioned bank or credit card. 

At one point, I recall getting a notice regarding XXXX a few years ago. It was indicating I owed monies. I responded informing them it wasn't mine and to please stop contacting me. I also put this same response on my credit reports, as well. 

The notifications ended and thought it was done until this email this morning from ; Everest Receivable Services. 

I've had my identifying information stolen twice since I was XXXX and robbed. My youngest brother and I have almost identical social security numbers, our last number is just one digit off from each other. 

I thought I had taken care of this issue... This morning has proven not to be so. Sending an Email is definitely unacceptable communication! Other people can open or hack Email accounts!
Consumer complaint received 2022-06-23
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. (TX)

Transunion Dispute Was File Immediately After Seeing XXXX XXXX XXXX XXXX XXXX XXXX 30 Day Mark For XX/XX/2022. After Filing Dispute All Credit Bureau Updating Improper 30 Day Marking For XXXX, XXXX & XXXX. The 28 Day Months/Short Months It Seem Were Updated To Reflect 30 Day Marking.
Consumer complaint received 2022-06-23
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. (FL)

The credit bureaus stated my account was properly investigated but hos is that possible if the open date is inaccurate, the date last active is inaccuarate, and date last reported is not accurate. this ground for removal they also violate my rights under 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 2022-06-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/XXXX, I received a call from Bank of America ( my caller ID stated that it was the customer service line : XXXX ) and a woman told me my account had been compromised and that I had to send my money to a new account. They walked me through using the XXXX app and insisted that this was the way to help. They told me that {$3500.00} was being transferred without my approval. I told them I only had {$1800.00}. I sent the money to an email that they had created for me and promptly hung up the phone after I sent it. I called the number back to get the actual Bank of America customer service support to which I waited two hours on the phone to file a claim. They then told me that it could take up to 45 business days to review my claim. 

After reviewing my claim, they stated on XX/XX/XXXX that nothing seemed wrong on their end because they followed my directions, but as a courtesy, theyll reach out to the third party to try and return my money. Yesterday, XX/XX/XXXX, they stated that the third party did not send back the money and that I should reach out to the scammers myself to ask for it back. 

There is no way for me to prove that someone from Bank of America did not actually call me from their service line and convince me to send my money to them and are now refusing to send it back. 

My claim number for this with Bank of America was XXXX
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (CA)

Us Bank has pulled my credit without my permission. They have stated that the pull was requsted by US Bank Mobile app.I have continued to be discrimnaited against when going into braches and over the phone. US Bank have turned me away serval times during check cashing our check deposit process. They also has block my crad in the past to prevent me from getting money out the ATM. US bank failed to get my permission to pull credit and did not send me proper notice of such pulling. i have stated to them that i monitor my credit very close. On XX/XX/XXXX XXXX  supervisor of us bank stated that i am eligilbe for a upgrade to a unsercured card but a had pull on my credit must be made. i explained to him a brach manager stated that since I am a customer and and hard pull was done when opeing the secured credit card than only a soft pull is needed. This will be my second complaint against the bank for unfair practices this is plan discrimination and due to other complaints that i hav filed aggainst the bank. i was told if i had problems with them and didnt like the service to go find another branch. they also have continued to do a soft pull on my credit report and not provide and explaination as to why. i have been outstanding and have made all payments on time.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I had a official check written out of my Citizens Bank business checking account in a Branch in New Hampshire for the amount of XXXX. Following that they made XXXX consecutive XXXX withdraws form same account at the same branch. They then took the Check they received from the bank teller in New Hampshire to a XXXX XXXX in the XXXX  and cashed the check in an account they set up in my name with a fake PA. drivers license.
Consumer complaint received 2022-06-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Immediately following my application I submitted a full document package with all requested materials, including a statement for the " use of funds ''. My loan took 14 weeks to process because the bank is insufficiently staffed to handle loan volumes. My loan was never decisioned within Reg B time limits ; the bank worked around this by sending me a request letter frequently for a " use of funds explanation '', something I provided numerous times, verbally and in writing. I was assigned 5 processors in the processor and could not contact anyone for help as I did not know who was servicing my file. 

A month after escalating issues to management, I noticed the Loan Consultant accessed my XXXX XXXX to obtain data about me which may have been used in the loan decision process as a formal approval was never received until the day before closing. Management asked me to provide this information, which I supplied, but I have not resolution on what was done with the copy of the XXXX XXXX I also asked a member of the management team to adjust my privacy preferences, and they indicated it would only be applicable to Home Equity, not elsewhere in the bank like I had asked. 

On Saturday after closing, I received an email saying my line was ready for use, which could not be correct as the loan was still in rescission until the following Tuesday. Numerous regulations are not followed, no follow-up or acknowledgement about my corporate complaint, and a bank is inadequately staffed to service its customers. Reg B and Privacy Regulators are not followed.
Consumer complaint received 2022-07-25
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. (CA)

In accordance with the FCRA my rights have been violated by the following companies listing inquiries on my consumer report ( credit report ) : 15 U.S Code 1681 Section 602 A. states I have the right to privacy.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-28
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 (NV)

bofa refuses to credit my acount my checking acount with the money that was stolen from my acount by hackers my acount was hacked by hackers and a substantial amount of funds stolen from my checking acount and b of a refuses to credit my acount with this fund amount that was stolen from my acount.?
Consumer complaint received 2020-07-11
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. (FL)

Experian- XXXX XXXX . : I was trying to dispute my rent history. Everything was paid off to the Property Attorney. I sent the documents the property attorney sent me which was the documents to dismissed the motions and all accounts were satisfied and paid in full but they stated the information was not sufficient enough. I spoke to XXXX ( XXXX XXXX ) and they stated they never received any information from Experian-XXXX XXXX
Consumer complaint received 2020-07-12
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. (MD)

I recently sent letters over 30 days ago to this bureau or these bureaus 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 2022-06-29
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. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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 2022-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

As of XX/XX/XXXX DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Still is reporting XXXX open accounts, all XXXX are reporting inaccurate various LATE/ MISSED Payments from XXXX & XXXX inconsistent dates on all three credit bureaus, that is a total of XXXX payments reflecting. 
I have attempted multiple times to reach out directly and have these payments updated to accurately represent my credit worthiness with no changes even after consolidating my federal loans. 

I am asking for help to have my credit report fairly represent me as a consumer, to promptly remove these inaccuracies. These student loans are listed multiple times on my credit report. This single debt shows up as several accounts, it is significantly impacting my debt-to-income ( DTI ) ratio and affecting my ability to qualify for other forms of credit, including a home loan to provide my children a new permeant and stabile home life.