davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Conduent Incorporated (FL)

I am looking to transfer my HSA balance from XXXX to a new HSA provider. The XXXX website does have a form to easily transfer funds into XXXX, but no form for transferring funds out of XXXX to another HSA provider. 

I have made three ( 3 ) separate calls to their customer support line, each one ( 1 ) hour in duration, and was unable to reach a customer service representative. Additionally, I sent a message through their web portal three ( 3 ) weeks ago and have received no response. I have made several reasonable attempts to reach a customer service representative regarding transferring my HSA funds to another provider, to no avail.
Consumer complaint received 2023-05-03
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: Sarma (CA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.I demanding immediately deletion of this in accurate fraudulent information.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CREDIT ACCEPTANCE CORPORATION (MI)

CREDIT ACCEPTANCE knew that I wouldn't be able to make the payments for the car loan. The loan wasn't explained to me. I feel like this company validated my consumer rights. 
The car broke down within the first month. I reached out to the car lot for assistance and I was turned away. 

Overview You have 100 % left to pay on this loan. 

Balance {$23000.00} Highest Balance $ XXXX  Monthly payment No Info Opened XXXX XXXX XXXX ( 6 yrs, 8 mos ) Term 60 months CREDIT ACCEPTANCE CO XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (AZ)

I am paid off my credit card with comerica and contacted them to close the account. A couple weeks later I called to confirm if the account was closed because it didnt appear to be on their app. She advised that the account was in the process of closing, and I inquired how long is the process. She advised it could take up to a year. I dont understand why it would take so long to close a credit card out that is in good standing and has not had any additional transactions on it.
Consumer complaint received 2023-03-31
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXXXXXX XXXX  ) XXXX Balance : {$180.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Balance : {$320.00} ; XXXX XXXX XXXX : {$510.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX
Consumer complaint received 2023-05-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Razor Capital, LLC (AL)

You guys gave my info to a repo man without my consent ..you also took my personal belongings that were in the car without letting me get them out. 
A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

This is a law ( 6 ) Taking or threatening to take any noniudicial action to effect dispossession or disablement of property if- Also the car has been sold and you guys are still reporting to the credit bureau as late payments and repossession. Please stop and deceased all future reporting and harassment letters, remove repossession off my report and all collection activities please stop due to you having possession of the vehicle and it was sold off. I am also seeking pain and suffering for defaming my character harassment and financial loss due to reporting on my credit. Plus now you have sold my information to a third party company. I can offer to pay {$1.00} to cover my debt with you guys.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

XXXX BANK 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 2023-07-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CO)

XXXX XXXX  XXXX we chose to go in to forbearance, with the understanding that it would be for 6 months. At the XXXX month mark I started the process of getting back on track with the mortage. I did not receive a loan modification until XXXX XXXX  XXXX. The mortage company took that amount of time to get it together. Now I'm XXXX  XXXX dollars behind and the interest rate has tripled in the length of time it took them. Consequently the mortage payment is now XXXX more than the original payment.
Consumer complaint received 2023-05-03
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: EQUIFAX, INC. (PA)

Thank you for responding to my complaint, I am disputing the findings from your Consumer Reporting Agency. Please note, 611 5 ( A ) which explains, Treatment of inaccurate or unverifiable information. ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. 
Please advise who did your Consumer Reporting Agency speak to at the US Bankruptcy Court to verify, update, correct, or modify whether the bankruptcy listed on my credit report is accurate? I ask this question because my credit report explicitly states your company got the information from a third party ( XXXX XXXX ) and therefore it may not be accurate. Did XXXX XXXX or your Consumer Reporting Agency travel or speak to the New Jersey Bankruptcy Court and verify, modify, update, or correct the information in person? If so, please include the documents showing the bankruptcy is in fact accurate, updated, correct, and verified including the entire docket showing this action based upon the law. 
Please explain how your Consumer Reporting Agency intends to modify the information in the bankruptcy filing. Can your Consumer Reporting Agency modify the information in the PACER Database that Lexis Nexus used? Can your Consumer Reporting Agency modify the information in the State, Federal, or Public records related to the bankruptcy? Per the US Bankruptcy Court, they do not modify, verify, or update the information for Consumers or Consumer Reporting Agencies. Please advise and share in writing the workflow and documents in place to open the docket to update, modify, verify dispute, and correct information on my behalf with the US Bankruptcy Court as a Consumer Reporting Agency.
Consumer complaint received 2023-05-03
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. (VA)

I have satisfied the account with the following company for the Account Number # XXXX and as a result I was notified that once I paid this account off in its entirety that this account would be removed from my credit file as it is preventing me from being able to gain credit at this time.
Consumer complaint received 2023-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

- In XX/XX/XXXX, I learned upon looking at my credit report that a company named XXXX XXXX XXXX had reported a collection account in my name for the amount of {$2200.00}. Since I didn't recall any outstanding debts, much less from this company, I disputed that with the credit Bureaus and they responded to my dispute saying that XXXX XXXX XXXX had validated the debt. 

- On XX/XX/XXXX. I sent a letter by certified mail to XXXX XXXX XXXX disputing the validity of the debt and asking for their proof that I own this debt and also their authority to try and collect this alleged debt. ( letter is attached ). I also made this a cease-and-desist request and requested that they remove this wrong information from my credit report unless it was 100 % verified. 

- On XX/XX/XXXX. I received an email from this company with a pdf file attached. ( both the email and file are attached here ). In this email, XXXX XXXX XXXX notifies me, for the first time, that a negative credit reporting action might be taken against me. After they have reported this item, without proof, for over 3 months. The pdf File shows an invoice that I have never received from an apartment complex and does not bear my signature. 

- On XX/XX/XXXX. I Sent a second letter by certified mail to XXXX XXXX XXXX, explaining how they were in violation of my rights and allowed them an additional 30 days to produce the proof I had requested on my previous correspondence. ( Please see attached letter ). Again, I requested for this wrong information to be removed from my credit reports. 

- On XX/XX/XXXX. I sent a third letter by certified mail to them. ( Please see attached letter ). In this letter, I stated once again how they failed to produce the appropriate proof that shows I'm liable for this alleged debt, as well as informing them what " Estoppel by Silence '' means and how refusing to respond to my requests must mean that they are in agreement with my statements. I allowed them an additional 15 days to resolve this matter, and I even mentioned my intentions to file this complaint if I did not receive absolute proof, or if they did not remove this false information from my credit reports. 

As of right now ( 30 days after the last letter ), XXXX XXXX XXXX has not provided any proof of my responsibility over this alleged debt. Neither have them responded to my last 2 correspondences in any way, shape or form. Therefore I am filing this formal complaint against them. 

This has been EXTREMELY damaging to my reputation and to my ability to acquire credit. I am a small business owner and the inability of securing a credit line has put tremendous amounts of financial strain on me and my family. I sincerely hope I can get this issue resolved through this formal complaint. 

All correspondence mentioned above are being attached with this complaint.
Consumer complaint received 2023-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BC SERVICES, INC. (CA)

XXXX XXXX billed me for services rendered to my wife. I asked them to instead bill her ( I did not want medical conditions and treatments rendered to her on my medical record ). Instead, they referred the bill to BC Services who is attempting collection from me. Note, in this process my wife 's private health information was revealed to both me and BC services, clear HIPAA violations. 
I wrote to BC services pointing out that the debt was not mine and asked for clarification as to why I was being charged, or to dismiss the proceedings. Instead they sent more evidence that the debt was not mine, but did not dismiss the debt.
Consumer complaint received 2023-05-03
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: Westlake Services, LLC (FL)

I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Back on XX/XX/XXXX and XX/XX/XXXX, I received an answer of Deletion from all three credit bureaus for a Bank of America Credit card that was fraudulently opened by my ex-wife that I had disputed earlier this year through the CFPB. 5 months later, Bank of America has reached out XXXX and XXXX XXXX requesting to have the item re-instated on my credit report after they have all been deleted. I even sent copies of a police report showing where my ex-wife fraudulently opened accounts in my name and used and messed up my credit after the divorce. This item needs to be deleted asap in all three reports again.
Consumer complaint received 2023-05-03
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: Paypal Holdings, Inc (CA)

*** XXXX XXXX Reference # XXXX *** Venmo Dispute Claim ID # XXXX - XXXX XXXX booked XXXX  XXXX on XXXX app with Venmo card. 

- My complaint is 2 part. Here I am complaining about Venmo handling about a dispute. 

- I will complain about XXXX XXXX with CCPA separately. 

XXXX XXXX XXXX XXXX had plumbing issues and never told anyone, also my reservation was non refundable. Next morning before check out I wanted to shower and the hot water would not come out. Only when I called the front desk did they tell me about it and told me We put signs out everywhere stating water problems. Lol how was I supposed to know that? They told me the best that they can do was 10 % discount because a shower is 10 % of the stay experiences. WHAT LOL!!???? WHO WOULD BOOK THAT HOTEL KNOWING THEY DONT HAVE HOT WATER??? 

I contacted Venmo and filed a complaint for refund ( Attached ) about this ridiculous event. They reached out to XXXX XXXX and posted Resolved on my dispute case next day siding with XXXX XXXX. 

My complaint about Venmo is how do they side with a company who admitted their fault and offer a 10 % discount for compensation. How do they come to a decision with the party willing to pay for their error??? Venmo makes too many power decisions without considering the consumer. I have not received any compensation to this date or a clear explanation phone call. Nothing! 

Am I missing something or do I have a clear logical point that addresses the situation accurately. Please help me and advise me what to do. Thank you so much for your time and effort on this matter. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LoanCare, LLC (GA)

I recently received in the mail a letter from Loancare LLC stating that they are now in possession of my Mortgage. My currant mortgage company is XXXXXXXX XXXX in which I had a legally binding contact signed in person with wet ink. Upon logging on to the XXXXXXXX XXXX website I noticed that Loancare is not affiliated with XXXXXXXX XXXX ( see attached proof ). They are a company held by holding company XXXX XXXX XXXX who is also not affiliated with XXXXXXXX XXXX. As I login into my account I receive a message that my loan has been paid in full ( see attached proof ). As is my right as a consumer, I request that Loancare LLC validate this debt by providing me with a legally binding contract signed by myself in wet ink, or any contract signed between myself and Loancare LLC ( see attached copy of validation of debt letter ). The letter was sent by certified mail ( # XXXX ) and was received by Loancare LLC. I am ensuring that the CFPB is aware of the possible fraudulent request to collect on a debt, to insure the following. Loancare LLC does not attempt to affect my credit rating in any way, that collection on this debt is not expected in any form until proven valid, and that no additional charges are added if the debt is determined valid. Loan number for XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-05-03
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: EQUIFAX, INC. (NY)

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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 conviction 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 2023-09-05
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. (CA)

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. Has Violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has Violated my rights. 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 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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.