davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
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: ResidentCollect, Inc. (FL)

I do not owe this company anything, they bought this debt which is a violation of FCRA. 
They also are reporting an old debt as new EVERY MONTH. This is also a violation of my rights under the FCRA i am entitled to damages causes by this reporting. 
I would like to see documentation with my signature on it allowing them to acquire this debt. 
I would also like to see ALL the documentation that pertains to this debt. 
This debt is being reported as new every month which is a willful violation of my rights under the FCRA, I am entitled to compensation under the FCRA of 1970.
Consumer complaint received 2024-10-29
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. (TN)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America direct electronic withdrawal from my personal checking account in amount XXXX dollars while XXXX XXXX on vacation drawn on XX/XX/2021 I came on XXXX next day went to local branch in XXXX XXXX file complaint and it is fraudulent withdrawal reverse the amount XXXX to my account In XXXX return it back In XXXX they ask me to close my account and open new one which affected my score I went again in XXXX the agency with Fraudulent department ask me to file complaint in my local police in XXXX XXXX Bring it back to them which I did still they did not give my money back
Consumer complaint received 2022-08-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS has violated my privacy. Furnishing my medical bills without consent has made it impossible for me to extend credit for my every day household needs. ARS are not in compliance with the FCRA. As the consumer I have the right to opt out of having my private transactions added to public record. I was denied that right. ( see attached ).
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (SC)

I have a American Express Bluebird card and have had multiple accounts with them over the years. Recently I ordered a replacement card that was sent out to my new address. I signed onto activate my new card and update all of my new information with no problem. I have has an issue logging onto the app and apparently my login password was not recognized. I am not sure why this is occurring. i submitted numerous information to verify and authenticate my request for an opportunity to reset my password and my account has been locked for my protection for days now. I am prompted to simply call the customer service number XXXX which states they are available 24/7. This is not accurate and although we are experiencing a challenging time right now in this country and lengthy wait times are to be expected, for three days I have been redirected to dead end prerecorded messages, disconnected, and placed on hold for 90 minutes at a time more than once. I am writing to complain because the system put in place is far from advertised accurately. There are not alternative numbers for various customer needs and the lack of effective problem resolution needs attention. Drastic improvements need to be considered to allow support for cardholders requiring access to their invested finances or issues with maintaining their account stats both via online and by phone. Not being able to enter into my information has suspended use of my card and the verification process proves to be ineffective though proper information is entered into the recovery system. This reset/recovery process is not user friendly given the proof that it instructs one to call a number to have the account unlocked, yet provides no options or selections for sed user to do so. The customer is forced into reporting a card lost/damaged/stolen as an only option which delays access even further by having to replace a card that is actually none of the above and wait out the time it takes for processing, resubmission, reissuance, and delivery. This is just a viscous cycle with no positive result for the customer. Thank you for your time and I hope a positive solution can be found here as I was once a satisfied cardholder and now am not.
Consumer complaint received 2022-08-25
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)

In accordance with the fair credit reporting act, XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX has been reporting an account XXXX XXXX XXXX on my credit report that was opened due to fraud. I disputed the account in XXXX of XXXX, and they stated it was removed, and then reinserted, and have not sent any documentation.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On 13Apr20, I received an email from USAA informing me that my credit limit had been reduced to {$500.00}. Prior to that, my credit limit had been significantly higher, however I can't recall what the actual limit was ( and they were unable to tell me when I asked them about it in a subsequent phone call ). I called their Customer Service department on XXXX20 and spoke to a representative about the credit limit reduction where I was informed that the reduction had been made due to inactivity of my credit card and for no other reason. I expressed my concern regarding the potential negative impact to my credit score as a decrease in my credit limit increases my overall balance to limit ratio. The representative was unable to understand my concern about the balance to limit ratio and informed me that no derogatory remarks were reported to the credit bureau. I have worked very hard throughout the years to ensure my credit score is excellent so this is very frustrating to all of a sudden have a credit limit decrease when nothing has been done on my part to cause it.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NV)

I had a Costco Citi card for about 5 years. During Covid, I was XXXX  and still managed to make payments. This account was maxed out and I paid the minimum monthly. I was in good standing with this card. I was even set up on auto pay. I recently started a job making more money as was able to begin paying all of my debt. I paid the full amount of {$3900.00} on this card and within a week they closed my account. I was told that they review accounts monthly, but why was it closed when I havent had any dings to my credit report in over a year and this card was I good standing. I am able to pay my bill monthly with no issues
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of fraud and this company is reporting numerous accounts on my consumer report i have asked this company to remove these accounts and they refuse to i have a FTC report and the number is XXXX. 15 usc 1681 A section 2 states that a consumer reporting agency can not furish a account without my written instructions and i challenge this company to provide the proof that they have my written instructions.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (VA)

I have contacted LVNV Funding on several occasions requesting validity of the item bering reporting on my credit report. They have not been able to provide valid details or proof of whom the account belongs. As It does not belong to me. I was under age at the time the account was opened. I asked for signature of an application etc., and they have not been able to provide anything to me besides a copy of the credit card statement which does not show proof that the account belongs to me.
Consumer complaint received 2022-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Good Afternoon- I am embroiled in a problem with Citizens Bank regarding escrow insurance thats included in my mortgage payment but Citizens is not making the payments to the flood insurance carrier. As a result I have had to pay the premium since the inception of the loan over 2 years ago. 

Last year they failed to make the payment to the carrier and I made the payment out of pocket to avoid cancelation. after a substantial effort Citizens finally paid me back the money I paid. 

This year, I had to make the payment again due to their failure to pay the premium out of my escrow and now I can not get them to repay me the money I paid out of pocket. 

Without exaggeration, I have contacted them over a dozen times in an effort to get my money back ( which is my money as I paid it into an escrow account ) and they will not return my calls. 

To add insult to injury, Citizens is now sending me threatening letters accusing me of not paying my flood insurance bill. 

Every time they fail to make the payment, I risk losing my coverage. 

I am at wits end and do not know where to turn. Can you assist me getting this issue resolved? 

XXXX XXXX
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (TX)

I called CREDIT MANAGEMENT on XX/XX/2022 regarding the negative collection reporting on my credit report. Told the representative that the original creditor XXXX had reached out to me earlier in the year and a supervisor told me that there was no contract but only policy. I told the supervisor that that made no sense. I called them a couple weeks later and the representative seemed like she was about to send a contract to me but said there was none. Now when I contacted Credit Management, the representative said I need to provide a credit card number in order to dispute the collection. I told him that did not make sense. He said he understands but that is how they do business. So that's why I am filing this complaint. I have tried with XXXX to understand this bill and have also tried with this debt collector
Consumer complaint received 2022-08-25
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (NC)

I initiated a call to AAG Mortgage in late XXXX, and question what info i would need to get a reverse mortgage from an inheritance. They sent me a list to return to them, so i did. 
I sent a copy of certified will, death certificate, copy of deed pay records, insurance info. 
I was informed from them ( AAG ) and the County Clerks office plus an attorney 's advice that all the information i sent was enough. AAG wanted me to pay for a credit counseling, an appraisal, and pushed me into renewing property insurance. All of which was an extra expense for me. Now this company need a Testamentary of the will. I can not get this document because i am not executor. I had to seek legal advice to force my brother to file the will, and he is just not interested in getting me this document. There was a woman who pushed my insurance broker to add AAG to the policy even though a loan was not executed. 

My problem is i am terribly concerned that these jerks can pull people in for these loans, but change the rules before loan closes. Even the clerk of court XXXX County stated that i had completed documents.
Consumer complaint received 2022-08-25
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. (CO)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 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. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2020 a transaction for {$11000.00} to XXXX XXXX XXXX was debited to my Bank of America Business Credit Card. The transaction was made in XXXX and I live in Nevada and have not been in XXXX for many years. I immediately called the fraud department of Bank of America and they opened an investigation. On XX/XX/2020 the transaction was credited to my account as fraud. On XX/XX/2020 it was again debited. Upon inquiry to Bank of America I was informed that on XX/XX/XXXX by some mechanism either telephone or internet a card was requested to be sent to an address in XXXX and since the card was present for the transaction that they decided it was not fraud and I am responsible for the charge. They can not tell me how the request to have a card sent to XXXX was made. There sole basis for determining that this wasn't fraud is that the card was present.
Consumer complaint received 2022-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (CA)

NCB Management reports fraudulent accounts to credit bureaus. 
NCB Management fails to comply with federal regulations by credit reporting agencies. NCB Management is guilty of : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Thank you, XXXX XXXX
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (MD)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX  - xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - xxxxxxxx XXXX XXXX XXXX XXXX  - xxxxxxxx XXXX XXXXXXXX XXXX XXXX XXXX xxxxxxxx XXXX XXXX XXXX xxxxxxxxxxxx XXXX
Consumer complaint received 2022-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I have been trying to get a loan modification for the past 5 months. They denied me because they said my income was not sufficient to sustain the payments of XXXX I submitted income showing XXXX  monthly. They also said that I exhausted my modifications. ( MODIFIED IN XXXX ) WITH A PREVIOUS MORTGAGE COMPANY ) MY MORTGAGE WAS SOLD IN XXXX IN WHICH IM ASSUMING THEY CHANGED IT FROM A FHA LOAN TO A CONVENTIONAL LOAN WITHOUT MY KNOWLEDGE. THE COMPANY THAT I AM NOW WITH WHO MY LOAN WAS SOLD TO IN XXXX SAYS THAT I HAVE A CONVENTIONAL MORTGAGE. WAS IT LEGAL FOR THEM TO CHANGE THE LOAN FROM A FHA TO A CONVENTIONAL LOAN.
Consumer complaint received 2020-04-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlanticus Services Corporation (TX)

I started receiving calls from XXXX XXXX in 2018. In XXXX 2018, I sent them a cease and desist letter indicating that they were to contact me via mail only. I have received a couple of calls from this year but always pushed them to voicemail. Picked up my line today to advise that they are not to call me. The collector on the other end of the phone repeatedly talked over and advised that I owe them money. I advised to send all notices and correspondence via writing and he continued to talk over me telling me that I owe them money and how do intend to resolve this matter. Their collectors are poorly trained and don't care that they are violating the FDRPA
Consumer complaint received 2020-04-16
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)

I applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because there are three accounts that are not mine with negative history appearing on my credit. The accounts are from XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not affiliated to any of these companies nor have I ever signed any contract or agreement in regards to these accounts that are in negative standing. I did not allow anyone to open those accounts in my name nor did I benefit anything from them such as money, goods, services or any other benefit. I have already filed a police report regarding these unauthorized accounts.
Consumer complaint received 2022-08-25
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U. S. C section 604 A section 2. It also states a consumer reporting agency can not furnish a count with our written instructions.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This is in regards to Equifax, they are reporting an error on my credit report. I sent them proof the other bureaus deleted this XXXX XXXX XXXX, account for {$120.00}. They are refusing to delete this account after I let them know they are in HIPPA violation. It doesnt exist with the other bureaus. This is inaccurate false information being reported on me.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (FL)

XXXX we joined Discover, have been congratulated and thanked for longevity over the past XXXX  years. Credit limit has been increased. 
In XX/XX/XXXX I called to have payments put on automatic withdrawal from my checking account. I answered all questions factually ; yet was told my social security number does not match what they have. The original application was paper and apparently they can not locate it. 
My number has not changed! Discover stated they can not complete the automatic withdrawal. However, they did on XXXX XXXX with another scheduled for XXXX XXXX. 
They wanted me to have a notary certify my social security number, notaries only certify signatures. 
In XX/XX/XXXX, without notice, I found out Discover closed our account. It is the only card we have and caused us to be without a credit card, having to scramble to make payment arrangements for items paid with this card AND Discover reported it closed by them to the credit reporting agencies, thus reflecting negatively on our credit. 
I have made several attempts to straighten this out, having been on the phone excessive hold times, transfers, given a fax number to call and shuffled between various departments including " credit bust out team '' " identity protection '' and " verification department ''. 
I was told the last 4 numbers do not match and then told the last 4 numbers are correct, just not in the correct order. 
All they have to do, after XXXX  years of extending credit, raising the limit, etc is to correct their error. I provided them with the correct number or they wouldn't have issued the card to begin with. 
Now they have taken my rewards with the current statement showing {$0.00} when as of XX/XX/XXXX we had {$350.00}. 
This has all been caused by Discover being negligent in their record keeping and not having the integrity to right their wrong.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have CONTACTED THE CREDIT BUREAU on multiple occasions regarding discrepancies on my account and they failed to comply with my demands, I am contacting you CFPB because pursuant to 15 USC 1681n ( b ) ( 2 ) I am a consumer and natural person and Experian, XXXX and XXXX owes me {$1000.00} per violation, for willful non compliance.