davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lake City Credit (TX)

Lake City Credit contacted me at first with a letter about a past debt that they were trying to recover. The original debt was from XXXX XXXX XXXX  in the amount of {$1800.00} ( of which {$8200.00} was added for interest ). I believe they stated on phone it was a debt from XXXX. The company before them, XXXX contacted me about this same debt years ago and they alluded to possible legal and financial repercussions and basically " tricked '' me into paying {$25.00} a month to keep me out of trouble. I checked my credit report and called to verify the account and I found no record, so I stopped paying. 

According to the latest letter from Lake City Credit, the last date of payment was XX/XX/XXXX and the letter was dated XX/XX/XXXX. The letter states that there will be a " Possible Credit Rating Change Pending '' and later in the letter it was alluded to possible legal action. In the state of Texas the statute of limitations is four years ( Section 16.004 of the Civil Practice and Remedies Code ). The period between the last payment and the date of the letter is 5 years, 7 months. 

On XX/XX/XXXX and XX/XX/XXXX, I received a phone call and voice mail from XXXX XXXX about my Social Security number. I returned the call only to receive a very unwelcome message from XXXX XXXX that I have been " going in and out of the rabbit hole '' to keep from paying off the debt. The debt is not mine, to start with. He alluded to the fact that the debt WILL be collected and that I will face dire consequences such as garnishment and freezing of accounts because I would be accused of fraud by the courts. He even mentioned that I was trying to register a car ( which I am currently registering a car that I recently bought ) and that has me on surveillance paying on this debt. That is a scary thought that these people may or may not be watching me. He hung up the phone immediately without letting me get in a word otherwise. 

This company is breaking the law, in my opinion. They are alluding to possible lawsuits and the statute of limitations has expired.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

15 USC 1681 section 602 state I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 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 2022-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Per request from XXXX XXXX XXXX XXXX - and without issue and interference - credit bureaus other than TransUnion updated my credit report so that the XXXX inquiries dated XX/XX/2022 and XX/XX/2022 are not reflected as hard inquiries. 


When I have contacted TransUnion, I have been repeatedly told that there isnt record of requests from XXXX XXXX XXXX Department. ( This does not explain the XXXX inquiry to the XXXX Department at XXXX in XXXX ). 


TransUnion has also sent me down rabbit holes with instructions to mail written authorizations for XXXX to comply with XXXX requests to update my credit report and to mail copy of confirmation letters that XXXX sent me of these requests. After doing so I called the Escalation Department for XXXX XXXX XXXX XXXX XXXX times XX/XX/2022 : The first phone call verified that the requested copies and authorization were received. 

The second phone call was a three-way call with the case manager at the XXXX XXXX XXXX XXXX When the Customer Dispute Center transferred the call to the XXXX XXXX, communication with the case manager was refused. 


The third time I called, the person I spoke with was reprimanding that hard inquiries can not be changed to soft inquiries, that TransUnion can not contact banks, and XXXX has to contact TransUnion. Which XXXX has done. 


She also instructed that I send a XXXX letter of authorization for TransUnion to discuss my file with XXXX. This is in addition to the prior letter of authorization that without splitting hairs authorizes discussion. 


The XXXX XXXX XXXX case manager has advised me that he has never encountered anything like this, that XXXX 's requests to TransUnion were electronically communicated as is normally done without issue and interference ; and furthermore, it is untrue that TransUnion can not amend hard inquiries to soft inquiries, and untrue that TransUnion can not contact XXXX. 


As a formality, the 2nd letter of authorization that TransUnion has asked of me is forthcoming. There is no assurance that the request is sincere. There was no point to the prior authorization and copies of documents that TransUnion requested and subsequently argued were without merit.
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XXXX and XXXX I requested an increase to my line of credit with Capital One. Both times I was denied for : * There is legal action pending against the applicant Both times I contacted Capital One asking where this information was obtained from. Both times I was told they can not provide me with this information. 

I've checked all three credit bureaus and nothing shows there. I've contacted all of the court systems in my area and found no pending cases and no judgements of any kind. 

I told Capital One this information and they still maintained they could not tell me where the information came from. 

It is my understanding that a creditor can not deny you and not provide the source of the information used to make that decision.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the dair credit Reporting XXXX account has # XXXX has violated my rights. 

15 USC 1681 Section 602 States thst I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit care under an open end comsumer credit plan as late for purpose
Consumer complaint received 2022-12-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I spoke with XXXX today at XXXX CST letting her know that i received a letter from XXXX on XXXX/XXXX/2022 stating " we received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. '' That was their response to my letter of dispute sent to them on XXXX/XXXX/2022. They did not do a proper investigation into my claim that they should remove accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit file due to them furnishing information onto my credit file with no permissible purpose according 15 USC 1681b stating that they have to obtain written instructions from the consumer to whom it relate. They have no such written instructions and can not produce it. I also have attached a letter from XXXX XXXX that states they have honored my opt out of sharing my personal information to external companies, which includes all Consumer Reporting Agencies. XXXX needs to remove all of these accounts immediately.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (PA)

My atm/XXXX  was in my possession was not lost or stolen and US Direct Express Debit Master card issued by Comerica Bank XXXX Notified them on XX/XX/2022 of unauthorized electronic transfers from my account. I did not notice the money was missing until I tried to make a ATM withdrawal on that day. Direct Express said they would send me a new card and paperwork to fill out within 10 days and be provided a provincial credit if I returned the forms within the 10days. I did not receive the paperwork to fill out for the fraudulent activity until XX/XX/2022 which was 15-days and went to fax the documents to XXXX  on XX/XX/2022 but it would not go through and was going to cost me {$31.00}. I called XXXX  and they said I could email the documents, ( I asked if the documents could be emailed to me to fill out on XX/XX/2022, but they can not email me, I can only email them ). I sent all the documents they requested back to them on on XX/XX/2022. I called to find the status of my claim 10 days, 20 days and was told it was still under investigation. Needless to say I was never given the provincial credit nor was the amount on the initial documents for around {$600.00} less than the actual fraud on my account. Before I received a answer on my claim XXXX  sent me their brochure stating they were required to send me one every year, which I never received until now. My claim was denied via mail with out explanation 45 days after I filed. I disputed the decision and was told it would take 48 hours to get the answer. On XX/XX/2022 I was told my claim was still denied. I am a representee of a XXXX XXXX  child, and he lives on a very limited amount of money ( {$560.00} a month ). Direct Express allows someone to steal over {$800.00} out of his account which is in my name via XXXX XXXX  in the increments of {$2.00}, {$4.00}, {$9.00}. One would think if I have never paid a XXXX XXXX anything let alone spend every cent in my account this is fraud. This is not the first time Direct Express has allow a unknown entity without my card to steal money from me, it was not with XXXX XXXX  but XXXX XXXX last year. I can not see how when a person steals money from Direct Express via my account they hold me accountable. They actually let some one steal money from them, I should not be held accountable if they have a security breach.
Consumer complaint received 2022-12-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SECURITY FINANCE CORP (TN)

I called to apply for a loan .They ran my credit .They said to call back in thirty minutes .I called back and they said you have been appoved for XXXX said ok i will be up there tommorrow to sign papers, They called back that afternoon and said that i wasnnt approved and i owed money from a loan i had years ago, The other lady had said she had seen it was paid off on my credit report .I called the store where they said to call and she said i did not owe anything .It was paid off .Why did they lie about this?
Consumer complaint received 2022-12-05
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (FL)

In XXXX of 2022, I applied to assume my mortgage entirely from my husband as we are planning a separation. I contacted the bank, XXXX and Dovenmeuhle the servicer of the mortgage. 

They said the process would cost {$900.00} and I had to submit this with my application, but as long as I qualified and provided the documentation I could continue with the process. 

In early XXXX, my assumption was approved by Dovenmeuhle. They sent me the paperwork/package towards the end of XXXX. I think I finally received it on XX/XX/XXXX. It was extensive and I had to get things done I hadn't expected, but that was okay. I reviewed that to see what else was required to continue with the process. 

By XXXX XXXX, I had everything ready, but this was XXXX and I would have to wait until after the holiday to finish up and send the final package back to XXXXDovenmeuhle to close. 

Upon returning from a holiday break, XXXX XXXX, I was going through the mail that had stacked up and noticed a letter from XXXX that my mortgage had been sold to a new bank - XXXX. In the meantime, all of my paperwork is ready to send back to finish up the assumption. 

I contact both banks, and basically, according to the banks there is nothing that can be done. XXXX sold my mortgage in the middle of the assumption process, XXXX won't continue the process based on my paperwork and existing application ( and credit check, approval, updated deed, etc. ). They said I have to start over and their terms are different than XXXXDovenmeuhle. 

On top of that, I sent {$900.00} to XXXX for a process they essentially ruined by selling my mortgage. They did not mention the refund of my payment and said that after I sent an email they would decide whether or not it would be refunded. I haven't heard from them yet. 

My complaint is first about selling my mortgage in the middle of business that I was conducting with them and knowing we were in the middle of something and not allowing it to finish or providing any sort of deadline or warning. 

My second complaint is about refunding my entire {$900.00} payment. They should have offered that from the outset of knowledge of the sale. I should not have to ask for my payment back. At this point, I still don't know what that outcome and potential argument will be.
Consumer complaint received 2022-12-03
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. (MI)

This is my second-time requesting 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 immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$790.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$270.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-12-05
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)

I am XXXX XXXX XXXX and these accounts reporting to my credit are making it hard for me to move please delete any account that is not reporting properly to my credit so I can move this is affecting my life. Please also update my personal information
Consumer complaint received 2017-09-15
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: SYNCHRONY FINANCIAL (WA)

I have a Banana Republic Visa account that is managed by XXXX XXXX. There was a charge of {$100.00} made on it that I did not authorize in any way. I disputed the charge in writing and talked to the fraud department at length. They agreed that it is a fraudulent charge and said that they would remove it. 

However, I am receiving daily harassing phone calls about the fraudulent charge, even though Synchrony/Banana Republic has already agreed to remove it. I do not think it is legal for them to do so.
Consumer complaint received 2022-12-05
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. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The Service Provider : Bank of America, XXXX XXXX XXXX XXXX XXXX, NC XXXX The Consumer : XXXX XXXX XXXX XXXX XXXX XXXX Lot XXXX XXXX, GA XXXX The Amount requested to be returned to the consumer {$490.00} USD Decsription : The vendor : XXXX XXXX XXXX, made a refund of {$490.00} USD to me, the consumer, XXXX XXXX and provided a receipt for the refund ( XX/XX/2022 ). See Attachment. 
XXXX. My Bank of America Account which the refund was made to was closed XX/XX/2022. 
XXXX. The consumer has made several calls since XX/XX/2022 to present to Bank of America to find the missing money/refund which was not sent back to the vendor. 
XXXX. Bank of America refuses to provide the transaction number where they rejected the refund /said transaction number was requested via an FTC complaint Reference : The FTC Report Number : XXXX. XX/XX/2022 but Bank of America has not replied to the FTC complaint. 
XXXX. Bank of America refuses to provide information for the XXXX XXXX for me to send an email to resolve this matter. 
XXXX. The consumer XXXX XXXX also has a personal checking account with Bank of America where the funds may be deposited. 
XXXX. Note the attachment - refund receipt from the vendor has the debit card last four digits to track the refund.

Please assist. Thank you.
Consumer complaint received 2018-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

I have know idea where this came from. Some one must've stolen my identity. At the time I was living with my sister I don't know who is impersonating me. I think maybe she knows something about this. I will press full. Charges. This is not my debt. It for XXXX $ at an XXXX XXXX. Original. Creditor is 12 XXXX XXXX. On XX/XX/2017.
Consumer complaint received 2022-12-05
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)

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2022-12-05
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. (NV)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with me or any transactions I've done or authorized to gain products, services, or money. 

Please remove the following : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXXXXXX XXXX Balance : {$770.00} XXXX  XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-12-05
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. (TN)

In accordance with the Fair Credit Reporting Act the list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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  15 U.S.C 1681 section 602 A States I have a right to privacy.

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

15 U.S.C 1681 c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which anteaters the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate.