davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc. (CA)

1- Pacific Credit services straight ahead reported me to the CRAs without even notifying me of the existence of a debt. 
2- When I found out a collection in my credit report, I sent them a certified letter dated XX/XX/XXXX asking for a validation of the debt. They did not answer and kept on reporting this collection which is violation of the FCPDA. 
3- I send them another certified letter dated XX/XX/XXXX requesting validation and to stop reporting to my credit report, which is considered to be a collection activity. They did not take heed and still reported the collection on my credit report. From them, I then received a letter for a statement that does not proof that the debt is mind. It was dated XX/XX/XXXX sent to the wrong address listing charges back to XXXX with no explanation what the charges for and with a note stating '' a recent audit of your account revealed that we have inadvertently missed billing you for your portion of the payment '' Pacific Credit services failed to send me a validation. 
4- On XX/XX/XXXX I send them another certified letter requesting them to validate my debt under the Fair Debt Act and so it has been 57 days and they have not replied and are still reporting the collection to my credit report. 
5- Pacific Credit services are in violation of Fair Debt Collection Practice as they are reporting an unvalidated debt. They also do not have my authenticated permission to first pull my credit report or to report to CRAs. I do not have any legal binding between them and me. I do not owe them anything. 
5- In the letter they sent they indicated to me that they will keep negatively reporting this collection to credit reporting agencies which is illegal practice. 
6- They defamed my character for something I did not do. 
7- Medical debt collection on my personal credit report is a direct violation of HIPPA Laws.
Consumer complaint received 2021-01-27
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: Security Credit Services, LLC (TX)

Security Credit Service 650.00 I never had an account with this company. They never sent me information with my signature within 30 days. 
XXXX XXXX {$460.00} I never had an account with this company. They never sent me information with my signature within 30 days. 
XXXX XXXX {$160.00} I never had an account with this company. They never sent me information with my signature within 30 days.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX I called Bank of America because I saw some transactions that was made in XXXX and I was in XXXX they looked into it Bank of America said Im in good standing with them. But when I tired to open and bank account it said I had some on my report saying fraud..
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (CA)

Repeated calls stating I owe a debt. When ask to whom and for how much they ask me for my social security number. According to CA law I requested a written original copy of debt and have never received ... ..they have been calling for over a month, several times a day and refuse to identify themselves or any other information unless I give them my social security number. Their identification on my phone shows up as " Credence ''. This has got to stop!
Consumer complaint received 2021-01-27
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. (UT)

I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing!
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (VA)

SunTrust Bank placed a negative hit on my credit report. My former husband illegally obtained a equity line of credit on a rental property that we owned with out my permission. He did this with the bank employee who was also the notary. The property eventually went to foreclosure and I was not able to make the payments due to the 2 mortgages on our primary home. My former husband abandoned me and left me with all the debt. All I am asking is for SunTrust to remove the negative credit hit so that I may move forward with a refinance on my home. They refuse to comply. I have sent them documents to support my case but they still refuse. I have sent them the following : a police report, an identity theft report, a deposition excerpt from the notary who admits she never saw me sign the equity line of credit. The property after a year went to foreclosure and then auction. SunTrust was fully paid the amount that was due on the loan. I have the letter of satisfaction. I also have a letter explaining my situation that I sent to SunTrust.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been a Bank of America card holder since 2006. I have used them for XXXX for well over a year. Suddenly 4 months ago they began to charge {$10.00} each time XXXX was used. When I noticed the fees on my statement this month I went and checked back and noted that there was never a fee until around XXXX. I called to explain that due to covid and family matters I had just noticed the fees and asked them to be removed. They were very rude and condescending and refused to remove the fees. The first person I spoke to actually tried to blame it on XXXX! I do not recall getting any substantial or informative notice that the fee was going to be added and I doubt that any was sent to me.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Report Act XXXX  Account # XXXX, has violated my rights 1

5 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 cannont furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

While renting at XXXX XXXX XXXX XXXX for over 2.5 years, we decided to buy our own house and we acquired the property last XX/XX/2020. 
But before we start shopping for houses, we considered our rental duty which is renewed yearly every XX/XX/XXXX. 
We consulted the apartment management AHEAD, what shall we do to avoid paying the rest of the yearly contract in case we move earlier than XX/XX/XXXX. 
As we agreed upon if we can look for tenants that will replace us we will be free of liabilities. 
Even we found the tenants that replaced us quickly, I still pay rent for XX/XX/XXXX to give us time for moving and cleaning the apartment because I was hoping they will refund my {$1000.00} deposit. 
Instead of refunding my deposit, when new tenants moved, this XXXX charging me to pay the XXXX and XXXX, which breaking our verbal agreement. 
They threatened me to be sued, put in court. 
I refused, reasoning that if I paid XXXX and XXXX they are earning double because I found the tenant for them currently renting. 
So they went back last XXXX by using a debt collector Evergreen Professional Recoveries, fabricating other issues of damages because I didn't buy the 1st charges they are trying to collect. 
Suspiciously, they never asked for it from the very first, what they charging me is for 2months rent instead. Since I never agree they invented these lately.
Consumer complaint received 2021-01-27
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)

I pulled my credit reports from annualcredit report site and see continued reporting of errors on all 3 reports. There are 20 addresses on my XXXX  report that are not mine, 9 incorrect addresses on my Equifax Report, and 25 incorrect addresses on my XXXX  report. These addresses are not former addresses of mine and I have NEVER lived there. I am concerned of possible fraud or mixed information from someone else, but these addresses and misspellings of my name need to be deleted. This is so unacceptable. XXXX  and XXXX  is also reporting multiple incorrect phone numbers that are not mine and never have been. 

In addition to that, there are several accounts on my credit reports being falsely and incorrectly reported. I have disputed all of the inaccurate personal information and addresses multiple times on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 including several phone call attempts, but no one is able to help or remove this information. It's ridiculous! I've asked the bureaus to provide me with verification of where they are getting the inaccurate and inconsistent information from on the following erroneous accounts : XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX There is so many inconsistent reporting shown and it's the bureaus responsibility to thoroughly investigate information with the original creditor for complete accuracy which it's clear as day that they have failed to do this. I haven't received any correspondence and the inaccurate items still remain on my report after I've submitted multiple letters pointing out the exact errors on my reports along with attaching my proof of ID and proof of address for verification. With all these wrong addresses there could be fraud on my account for all I know. I'm highly frustrated with the negligence.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (PA)

A bank in my locality provided a deplorable and disgusting service. Insulting and discriminatory in term of race, color and ethnicity. This matter was verbally reported to CFPB associate over the phone. I visited M & T bank branch in my locality to deposit a check into my personal checking account maintained at that bank. That check was issued by my own business account from different bank. The payee is myself. The teller and another female bank employee took my check, shut the window down, refused to provide me receipt for check deposit and called in police by providing falsified information that I have been trying to deposit fraudulent check. The insults, disrespects and reckless violation of the rights of a citizen was not ended by that point. The bank employees continued to provide wrong information to the law enforcement with an evil intent that could have caused severe physical damage and harm like that of " XXXX XXXX '' of XXXX, MN. The bank practiced an imminently disgusting racial discrimination by using law enforcement as tool and confiscated my check by force, refused to provide me official receipt with seal and stamp. I did not authorize for that transaction. Later, I found out that the check was " QUIETLY '' cleared and deposited without my consent and knowledge into my account.
Consumer complaint received 2021-01-26
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: OneMain Finance Corporation (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. ONEMAIN FINANCIAL SERVIC Inquired on XX/XX/2019 XXXX Inquired on XX/XX/2019 XXXX XXXX Inquired on XX/XX/2019 But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/XXXX, I opened an HSBC Advance Checking account with a welcome bonus offer of {$220.00} through a promotional link on HSBC 's website. 

Unfortunately, after meeting the terms of the offer by completing the direct deposit requirements, I did not receive the {$220.00} deposit bonus. I called HSBC customer service in XX/XX/XXXX to inquire about the missing bonus, after a 90 day waiting period. The customer service representative informed me that I was not entitled to the welcome bonus offer because they could not confirm that the offer was applied to my account. 

To resolve the problem, I would appreciate the {$220.00} bonus to be applied to my account. I fulfilled the terms of the new account offer, and HSBC should also fulfill their end of the agreement. Enclosed are copies of my records including a screenshot of the offer I received on HSBC 's website when opening my account. 

I look forward to your reply and a resolution to my problem.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX Balance Owed : {$200.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I would say the account position that is presently confirming on my credit information has a severely unpleasant impact on my capacity to acquire approval to get a current loan inquiry, I highly recommend you provide verification that this has been documented suitably in accordance with the Fair Credit Reporting Act directives, this is a crucial matter to mis-report. My proper demands have to be examined as soon as possible. If you're unable to confirm this information as being 100 % correct please make sure you remove this instantly.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I mailed goodwill letters asking that XXXX  XXXX XXXX update the inaccurate reporting of my student loan under the FCRA on XX/XX/XXXX. The loan has a lot of NO Data reporting 's that date back to XXXX and all the while my payments were being made on time. I will attach a copy of the letter. If you look in the details section under each of the XXXX  XXXX XXXX accounts you'll see the gross negative inaccurate reporting the exact same way for each loan. I request that it be updated. I also forwarded a copy of these complaints to the attorney general. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2021-01-26
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: SYNCHRONY FINANCIAL (VA)

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. SYNCB/PAYPAL, Inquiry : XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2021-01-27
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. (FL)

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE SOCIAL VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-01-27
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. (OH)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges or open the accounts that are on file. I ask that the items be deleted 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 Commission 's Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hinder me from moving forward in my life. It is my aim as the head of the household to get a house for my family in the near future and continue to lead as an example for my loved ones.
Consumer complaint received 2021-01-27
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: FORD MOTOR CREDIT CO. (TX)

On XX/XX/XXXX my dispute was received by Ford Motor Credit, In the dispute, I pointed out many errors on the alleged charged-off account XXXX including but not limited to there being a past due balance on an alleged charged-off account, or the alleged Date of last activity not being furnished on my credit reports. I still did not receive a proper investigation or any response from this alleged creditor When I check the current credit reports the alleged charged-off account still has a balance and past due balance and the same inaccurate payment grids for each bureau that I pointed out in the dispute. This creditor is being insubordinate and I do not want them furnishing data on my report any longer Below I attached the certified mailed dispute that was ignored by the alleged creditor
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Well I just got off the phone with the lady at XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX when one I know a debt collector doesn't and can't show a license that they have to collect a debt and then when I gave her the acct number which she didn't have she told me that it doesn't matter and that they don't have to follow section 609 of the FCRA which is scary. So they are constantly dinging my credit on an account and amount that they don't have.
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX afternoon around XXXX. I entered Bank of America located in XXXX XXXX on XXXX XXXX XXXX XXXX XXXX. I proceeded to the Atm inside the branch to activate my business card once i was done with that i tried to deposit some cash. The Atm gave me back cash that didnt go through and keep {$400.00} dollars without depositing into my account. I didnt receive no receipt. The Atm gave me back my business atm card and did not deposit/credit the {$400.00} in my account. I called made a claim and was told to wait 1-2 days. I called the next day and 2nd day nothing still was credit into my account. So now bank of america customer service says that i have to wait until XX/XX/XXXX to receive my money. I feel taken advantage of, i been lied to about 1-2 days now it changed to XX/XX/XXXX. I need some answers to why they lie to me then take my money and i have to wait weeks to get. Im so upset. Please help me solve this problem please. Thank you have a great day.