davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I have XXXX credit cards with capital One that I have never paid late and the payment is paid before the due date and more that the minimum payment. However at one time was an authorized user on my ex fiances capital one credit card account. When we split, he and I both requested that I be removed and he removed off mine. However, even though Capital One removed from my report, they 're still reporting it under my account with them. I have XXXX credit cards with them that have never been late and I always make large payments as well, but when I recently called for an account upgrade, I was told it was denied because " XXXX of my accounts '' is past due. So even though they removed it from my credit file, they 're are still, as I feel, holding his accounts and how he manages his against me which is unfair, considering I was an authorized user on his account, that doesnt make me responsible for the debt. They are continuously holding my payments for 10 days, putting an account lock " fraud '' on my credit cards when I make payments and they said to " verify '' it was " my account '' since I had payments returned in the past ( that was not late ). The last straw was when I applied for a credit limit increase that showed online I was eligible for and how excellent of a customer I 've need, and it was immediately declined. I logged in to view the reason letter and it stated " due to too many inquiries ' so I called customer service and I was told it was due to several missed payments on my accounts. I told them I 've never been late and they started giving me his information that they 're still linking to my accounts. Then they tell me it was a mistake when I get upset for them still holding me responsible for someone else 's accounts. I feel like I am being held responsible for someone else 's debt since XX/XX/2016 till current
Consumer complaint received 2020-08-08
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. (TX)

I am federally protected consumer and XXXX  XXXX XXXX, Experian, and XXXX has violated me under the provisions of 15 USC 1681. Please review attached documentation.
Consumer complaint received 2024-01-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: FirstKey Holdings, LLC (MN)

I want to follow up on previous complaint # XXXX, due to unnecessary hold of funds to gain partial release of funds. 

Mortgage holder, TOWD Point Mortgage Trust XXXX, XXXX XXXX XXXX XXXX XXXX as Indenture trustee by assignment dated, XXXX filed XXXX as document # XXXX. 

My concern was that the funds held back to the investor was not necessary as the remaining asset was 7x more than the remaining mortgage ( per the proper appraisal submitted ) I had to agree to the payment back to the loan of over $ XXXX or the investor would not approve after 2 years of processing and major delays by XXXX ( the servicer ) When asked why I had to relinquish part of the sale to the investor, I was told by XXXX that it's because I have a XXXX loan and they are not making any money on you. 

Can I be penalized like that for being on a federal program in which I have NEVER missed a payment in over 10 years? 

Couldn't ask before as I felt I was being put into so many delays due to being disabled, female senior and held up over two years. I needed to sell this partial wooded area for the funds, knowing that it posed no risk to the investor. Financial advisor friend of 30 years has said he never heard of such a thing! 

Was I penalized for having a XXXX  loan and can banks do that? 
XXXX XXXX
Consumer complaint received 2022-12-19
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)

FCRA Violation: credit card not mine XXXX XXXX  Reported: XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX

FCRA Violation: Student loans never late
DEPT OF ED XXXX XXXX
DEPT OF ED / XXXX

FCRA Violation: students loan not mine
US DEPARTMENT OF EDU
Reported: XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine
XXXX XXXX

FCRA Violation:  collections not mine
XXXX XXXX
Reported: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MN)

placed a order online for new mobile service in XX/XX/2023, they ran a credit check was approved was going to make monthy payments on a new apple iphone and the calling plan i chose .Had to pay the tax on the total retail cost to get started .Never received the phone which was to be delivered by XXXX signature required for delivery, never saw XXXX or signed for .tracking number was given in which u can obtain proof of delivery, which is a pdf of the signature given when delivered, completely blank.after many many attempts to resolve debt was finally credits on our internet service that i have been a customer of for many years they have mobile service as well.credits for the sales tax paid and additional XXXX dollars for the inconvenience, since then received letter ccs services saying owed XXXX.sent written notice disputing debt got letter back saying debt valid and proof was included which shows a different amount XXXX total amount on a blank sheet that says XXXX XXXX at the top
Consumer complaint received 2024-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MA)

I transferred money from my account on venmo to my freind its failed and said when i mail them if it's at least return my money back they responde with u had to be had a id from usa as that u from begging u allowed to do an account now i can not transfer money or take it back the account froozen and tell me it will like that for 180 days im here for vacation and transfer money to my freind as i want my money back i had no idea what's wrong with that application
Consumer complaint received 2024-01-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I contacted Columbia Debt Recovery LLC, dba Genesis ( Genesis ) multiple times via email and telephone to dispute their illegal attempts to collect a disputed debt allegedly incurred OVER TWO YEARS AGO. I sent a written dispute to Genesis before the deadline set forth by California law. They failed to pause collection activities. Instead, they send me a self serving letter that they or the original debtor but together without any evidence to back up the alleged damages. 

The letter fails to provide any photographs or receipts to support the alleged damages. Fails to include the lease at issue and fails to state whether I violated any lease or written contracts. The letter also fails to provide any receipts of the alleged utilities owed to the utility company. 

I followed up multiple times asking Genesis for photographs of the alleged damages as well as other key evidence ( such as the contract at issue, bill statements from the utility company etc. ). I informed Genesis that the FIRST TIME THAT I was notified of this alleged debt FROM TWO TEARS AGO was when Genesis contacted me in XX/XX/XXXXXXXX XXXX  attempting to collect this debt. 

On XX/XX/XXXX XXXX  I informed XXXX and XXXX XXXX of Genesis that I continue to dispute this alleged debt and that Genesis attempts to charge interest on a debt that I do not owe is illegal. I also informed them that Ive requested verification information and photographs to support their false claim that I owe this debt. However, despite my best efforts, Genesis failed to respond to my written disputes and requests dated XX/XX/XXXX and XX/XX/XXXXXXXX 

On XX/XX/XXXX XXXX XXXX XXXXXXXX of Genesis informed me that Genesis is not obligated to respond to my written disputes on XX/XX/XXXX and XX/XX/XXXX and that it already determined the amount is due and threaten me by stating the interest will continue to accrue unless I pay this illegal debt immediately. This is contrary to California law. I will not answer to harassment nor threats. All attempts to collect the debt must pause immediately per California law. And all interests charged must seize because Ive disputed this alleged debt within the time period set by California law. In addition, Genesis failed to show verification of the debt as requested in writing on XX/XX/XXXX and XX/XX/XXXX Im requesting again that Genesis abides by the law and pauses all illegal attempts to collect on a disputed debt. Im also requesting that they show verification and photographs for this disputed debt as requested by my written emails on XX/XX/XXXX and XX/XX/XXXXXXXX
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is diferents SSN in my credit report, and that show my credit report resut for identity theft.I formally request that the following inaccurate items be immediately investigated.They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days. 
I understand that failure to investigate these accounts within a period of

thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit report
s at no charge.Please send me my updated report as soon as your investigation is completed. I personally signed and sent this letter. Sincerely,
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On or about XX/XX/year> i sent Transunion a Dispute letter asking them to investigate these charge off accounts that were closed and dismissed! They continued to verify the accounts when in fact they are unverifiable and inaccurate! A consumer reporting company may not provide a consumer report under FCRA section 15 USC 1681b ( a ) ( 3 ) Permissible Purposes for Furnishing.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 name- XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

1. 15USC 1681 section 602A. States I have the right to privacy 2. 15 USC 1681 section 604A section 2- It stated a consumer reporting agency can not furnish an account without my written instructions.

3. 15 USC 1681C a ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by no more than seven years.

4. 15 USC 1681 S-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 in accurate.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am writing to express my dissatisfaction and concern regarding the recent involuntary closure of my joint checking and savings joint accounts with my husband, which we have held at Bank of America for the past XXXX years. The closure mail I received was on XXXX XXXX, 2023. 

Throughout the duration of our account, I have maintained a responsible and cautious approach to my checking activities, ensuring that I never overdraft and consistently making timely payments, including settling our credit card dues promptly. However, to my surprise and dismay, we received a letter from Bank of America last week, notifying us of the decision to close both our checking and savings accounts. 

This abrupt and involuntary closure has caused significant disruption to our financial management, particularly in handling recurring payments such as utilities and other essential expenses. 
The sudden closure of our accounts has not only inconvenienced us but has also created an unnecessary and avoidable challenge in managing our day-to-day financial commitments. I am writing to formally file a complaint against this decision and to seek a thorough review of the circumstances leading to the closure. I tried to contact bank to see whether is there any identity theft to jeopardize my fund security and the bank refused to disclose anything. 

I kindly request your prompt attention to this matter and a comprehensive investigation into the reasons behind the closure. Additionally, I would appreciate clear and detailed information on any steps that can be taken to rectify this situation and reinstate our accounts. 

Thank you for your immediate attention to this matter. I trust that, upon review, a fair resolution can be reached to address the inconveniences caused by this unexpected account closure.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

THESE ACCOUNTS IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (NH)

I am writing to bring to your attention the inaccurate information that your company has furnished to consumer reporting agencies. This inaccurate reporting has caused significant damage to my character, reputation, general mode of living, and my ability to obtain credit for personal and housing purposes. 

TARGET/TD  Account Number : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX ( XXXX ) Balance : {$500.00} High Credit : {$0.00} ( XXXX ) Credit Limit : {$300.00} Past Due : {$500.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX  ( XXXX ) Date of Last Payment : XX/XX/XXXXXXXX  According to 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishing inaccurate information is strictly prohibited. The law defines a duty ( a moral or legal obligation ) for furnishers to provide accurate information. The IRS further clarifies that a charge-off is considered gross or ordinary income, which is not to be reported on consumer reports. 

I hereby demand that XXXX ceases and desists from reporting incorrect and inaccurate information immediately. Your duty as a furnisher of information under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) explicitly prohibits the furnishing of information if it is known or reasonably believed to be inaccurate. 

Furthermore, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) prohibits the continued reporting of inaccurate information after notice and confirmation of errors. I have notified you that specific information is inaccurate, and it has been confirmed that the information is, in fact, inaccurate. 

Continued reporting of this inaccurate information constitutes a clear violation of the law and has caused severe harm to me and my family. This letter serves as a final opportunity for TD BANK USA/TARGETCRED to cure and delete this erroneous account from my consumer reports.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Grain Technology, Inc. (MS)

A company called Grain Technology allowed someone to use my SSN to obtain money into an account, and upon hiring a company to get them to remove it they simply charged it off as a bad debt. However I don't feel as if I should pay them balance if I was a victim of Identity theft. 

Grain Technology- XX/XX/XXXX  for {$910.00} XXXX XXXX is a credit card company that I once used, I had some late payments due to switching banks and they never updated my account. Once I learned that my account was late I paid it off in its entirety and closed the account. This was an error on their end, but I am facing the consequences for it. 

The account was opened some time in XXXX, however the dates don't match up that report so it is hard for me to get the exact date.
Consumer complaint received 2024-01-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (IA)

I have never had an account with this company XXXX  XXXX. IC SYSTEM, INC. REMOVE from all credit agencies from reporting. 2. consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3. This letter is according to 15 U.S. Code 1692c ( c ) Ceasing communication 4. I am the consumer mentioned in 15 U.S. Code 1692a ( 3 ) You are IC SYSTEM, INC. the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. Code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all further efforts under 15 U.S. Code 1692c ( c ) ( 1 ) 5. I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ), ( 2 ), and ( 4 ) 6. According to 15 U.S. Code 1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8. As mentioned in the 15 U.S. Code 1692f Unfair practices ( 8 ) 9. Under 1692g ( b ) the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter for any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply concerning information disclosed to any person related by common ownership or affiliated by corporate control, based on the above information, IC SYSTEM, INC. is in violation of the U.S. Code 1692 and 1681.
Consumer complaint received 2023-08-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2023, Bank Of America ran a hard inquiry on my personal credit report with XXXX. Prior to applying for a business card, I called and was told that a inquiry will not be ran on my personal credit only on my business 's EIN
Consumer complaint received 2022-12-19
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. (PA)

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 XXXX XXXX Account XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$490.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX {$540.00} Balance updated XX/XX/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 2022-12-19
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: EQUIFAX, INC. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-05-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Im writing about the Wells Fargo settlement in which my mortgage was illegally foreclosed on and all paperwork was done without my permission or consent I wanted to keep my house but Wells Fargo foreclosed after only a few months and refused to work with me even after I expressed that I wanted to keep my home this was in XXXX