davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 2023-05-09
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. (NY)

I sent information pertaining to my identity being stolen -- however, the credit bureaus and furnishers have not removed the information. This is severely hampering my ability to obtain credit. The letters were sent certified mail at the beginning of XXXX.
Consumer complaint received 2021-12-29
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. (GA)

XXXX XXXX AND EQUIFAX HAVE BEEN REPORING ACCONTS TO MY CERDIT FILE THAT ARE FRAUDANT ACCOUNTS DUE TO MY IDENITY BEING SOLEN WHICH I HAVE POLICE REPORTS TO PROVE MY CASE BUT NOTHING HAS BEEN REMOVED FROM MY CREDIT FILE EVEN AFTER I SENT IN MY POLICE REPORT AND DISPUTES THE ACCOUNTS ARE AS FOLLOW XXXX XXXX XXXX  BALANCE OF {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1700.00} NOTHING HAS BEEN DONE AND IVE REACHED OUT TO EACH COMPANY AND STILL NOTHING DONE
Consumer complaint received 2021-06-23
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. (DE)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX XXXX, I was out of state. I tried to use my debit card and was declined. Which I had plenty of funds to support this transaction. So I tried to log into my account and was locked out. I called the XXXX number and they wouldnt give me any information. As I said I was out of state, so I flew out the next day. Not knowing what was going on. I have been with Bank of America four over 30 years. As soon as my flight landed, I went straight to my local bank.I talked to the bank manager and he called to see what was going on. When he got off the phone he told me I deposited a fraudulent cashiers check. And the cashier check didnt belong to me. Right away I started crying, I was so sick to my stomach. I have never committed a crime in my life. I explained to him the cashiers check was from a trust from another bank, and it was left to me by my godfather as an inheritance. I left the bank and got documentation stating the money belonged to me. Went back to the bank. They said they would accept this document, but I had to get it notarized. Which I had to pay XXXX dollars out of my pocket. Then went back to the bank. They faxed it over, and told me to call the next day. I called the next day and they said they closed my account and told me even with supporting documents it was still fraudulent. I said I dont care you closed my account, but you cant accuse me of such a horrendous crime and not give me any evidence. This is such gut wrenching to be accused of bank fraud. On XX/XX/XXXX I had the attorney that worked on this trust call Bank of America, and said they couldnt talk to him without me being present. So I called them to see if I can give them the okay to talk to him but they said no. At this time we are unable to get together. Hes going on vacation and wouldnt get back until XX/XX/XXXX. He wanted to let the bank know exactly what XXXX XXXX  bank said. That the cashiers check belonged to me. He is willing to write a letter or submit any documents he has to support me. If you want more documentation. I pressed for information why they were accusing me of bank fraud. I wanted answers. No one ever deserves to be accused of something they didnt do. Then they tried back peddling. Were closing your account. Its a business decision. No, you accused me of bank fraud, and I want to know why. Even when I had the bank submit documentation supporting your allegations. You shouldnt be able to get away with this. Thank you, XXXX XXXX
Consumer complaint received 2023-05-09
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. (NY)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. Listed are the accounts that have negatively affected my credit with improper reporting. 
XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

! 5 U.S.C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-09
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. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX  Account XXXX : XXXX Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX please update all payment, all payment was made on time 16. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

17. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account. 

18. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

20. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

21. 15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-01-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation (FL)

As a XXXX XXXX rate service connected permanent, and total Veteran Administration XXXX XXXX XXXX Veteran since XX/XX/XXXX I never had credit cards or credit in my lifetime until I reached age XXXX due to untreated service connected XXXX from XX/XX/XXXX-XX/XX/XXXX I survived on low-low income my entire single not married adult life. I established too many credit card accounts because all were so low capped I took too many that I ran into trouble paying off monthly. XXXX has a system where credit cards are treated like " Cash Advance Payday Loans '' that must be paid off in full each by the first of the month when I thought I was applying for a " revolving charge account '' type of credit line never having credit cards in my life before. This became overwhelming on my Social Security Retirement {$450.00} a month benefit and for XXXX {$3100.00} a month VA XXXX with no savings, living alone outpatient care in XXXX XXXX with XXXX XXXX XXXX XXXX   veteran housing starting XX/XX/XXXX. I applied for a loan online with Avant they went directly into my XXXX XXXX XXXX Account page with remote password, and all credit card consolation loan for {$7800.00}. My credit rating went up 730-735 or so-after I paid them all off. But then a car repair gouge {$2500.00} on a XXXX XXXX XXXX front end work, and new tires XX/XX/XXXX over the year destroyed everything. All my accounts are closing, the {$310.00} to Avant is from Social Security thru two+ more years. I have applied for their refinance on $ XXXX balance several time automated system spits it back refused. I have explained my situation written email many times always automated system refusal with no personalized customer support type email in return from customer support. Now payments increase I use that payment for food, living, utilities, basic survival since missing last month payment after years of paying high interest.. No cooperation from Avant support at all just payment increase, and demand among other credit card companies like XXXX, XXXX XXXX and other high annual fee credit card corporations. Simply stated I can not pay on this loan another 2+ years from my XXXX now {$460.00} a month with XXXX XXXX  and maintain my XXXX XXXX, XXXX, XXXX XXXX and sustain a living situation or go homeless again after being homeless from XX/XX/XXXX to XX/XX/XXXX in XXXX County , XXXX XXXX , Florida . My Avant account monthly payment plan c/p : Principal Interest Fees {$140.00} {$170.00} {$0.00}
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXXXXXX XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Account number : XXXX Balance : {$0.00} XXXX XXXX Account number : XXXX Balance : {$0.00}
Consumer complaint received 2023-05-09
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. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-06-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (DE)

ON XX/XX/2021 I SENT SOUTHWEST CREDIT A LETTER OF VALIDATION FOR A DEBT OWED. I SPECIFICALLY ASKED THIS COMPANY TO PLEASE SEND ME A CONTRACT BETWEEN MYSELF AND THEM AS A CONSUMER. I ALSO THEM FOR THE FOLLOWING What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable : Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service : THIS COMPANY PROCEEDED TO SEND ME A COPY OF A BILLING STATEMENT. A BILLING STATEMENT IS NOT A FORM OF VALIDATION NOR IS IT A BINDING CONTRACT.
Consumer complaint received 2021-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

I'm submitting this complaint in reference to Southwest Credit System knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/ proof of alleged debt. Report without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by the FTC u.s c41, et esq
Consumer complaint received 2021-06-23
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (NH)

from ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX.. 
XXXX NH XXXX '' in regards ' ''CE LINK bank contract XXXX ... ... 

... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. this is a demand request to ; ... ... ... ... ... ... ... ... ... 
to ; '' ... HUD. 
... ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NH XXXX fax XXXX XXXX XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Good day ; having been informed by ''ce link ' bank that contract XXXX has been transferred to HUD a US FEDERAL AGENCY, Reason given there was no value remaining in the property having been removed with interest and other unexplained charges. 
and CE LINK bank a private business, no longer wanted any cost in holding. 

I have requested a copy of all contract changes on many occasion in ''sign for, ''traceable legal notification form '' the ce link bank never responded. 

I herein request that HUD a US federal agency, respond to my request for a copy of said contract as given to HUD in the transfer.. 
i have received no legal notice from HUD as to the ''transfer '', only a verbal phone call from ce link bank..

i could not reach HUD by phone waited in cue one hour no answer. that will be in the phone company records.

Ihave sent emails to HUD, no reply.. 
____ please excuse my demand format '. 

XXXX XXXX signed my email land phone XXXX XXXX XXXX with message answer,..
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CENTENNIAL MORTGAGE CORP (FL)

First Centennial Mortgage initiated my home loan in XX/XX/XXXX, then sold it to XXXX XXXX  for a few months, then bought it back in XX/XX/XXXX/XX/XX/XXXXXXXX. XXXX XXXX  is the only one that notified me of this, and First Centennial never sent any type of notification, so when it was time to make the payment I called them, and they directed me to make a generic type of payment on their website. I've been doing that for months now, and have NO INDICATION of whether my payments are being applied. They have not sent or emailed any statements or information regarding my loan at all since XXXX when they acquired it. I have called, left messages, sent emails, multiple times, spoken with representatives that say they will send something, but they never do. They have my phone number, email, and home address.
Consumer complaint received 2021-06-23
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

I have been harassed and abused by the Conserve debt collection company. They have attempted to collect a debt that I do not validate as I am the original creditor under 15 USC 1692g. Conserve illegally obtained my personal information without my written consent, because I never did business with CONSERVE, and they have failed to provide me a contract between Conserve and I stating I gave them the right to defer any payments to me or obtain my information. no consent is identity theft and CONSERVE is criminally and civilly liable under 18 USC 1028A. I've attached all the exhibits backing my claims. I expect the CFPB to force CONSERVE to remedy this situation with proper consideration that does not break federal laws.
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

National interviewer  XXXX XXXX put big banks on blast on national television saying that bank CEOs like XXXX XXXX ( Bank of America ) and XXXX XXXX ( XXXX ) did not offer customers and/or waive customers overdraft fees in XXXX during the national pandemic, especially since banks like BANK OF AMERICA got complete protection from overdraft fees from the Federal Reserve. 

I called in a few times during the XXXX pandemic regarding having my fees waived in XXXX and was only told I qualified for the normal 1 or 2 per year. I called in a few weeks ago on XX/XX/XXXX and asked about why they didnt waive all my XXXX overdraft fees again since the interview and the he said they only did it if you called in during XXXX about it. I told him did call in a few times during XXXX and no one waived all my OD fees. He then only offered me a credit of like 2 overdraft fees instead of crediting me back all my overdraft fees during XXXX because she said there was daily limit. 

Big banks like Bank of America received and got all typed of government breaks and aide and did not extend those same courtesies to customers like me as they should have. I am highly upset to know the CEO of this company was taking advantage of customers and profiting off overdrafts fees during a national pandemic, were many struggled. Where is his integrity and where is are my reversed over draft fees for the year of XXXX?
Consumer complaint received 2021-06-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (TX)

I called Citibank 5 times to close an account and got hung up on 4 times. The only time that I got to talk to someone in the department responsible for closing my account turned around and gave me a phone number to call. To add insult to injury, the phone number he gave me doesn't even work! 

There are no branches in my area anymore and I have no way to physically go to a branch and close it. 

Every time I called the customer service line, every person who answered is from other part of the world. I had a woman put me on hold ( before it was disconnected ) and I could hear a rooster in the background! 

This is a pathetic joke.
Consumer complaint received 2018-03-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (FL)

I have a credit card with Chase. It is past due on payment right now and I'm aware of the situation and I'm doing everything I can to get back on track. Chase is repeatedly calling me, when I answer they hang up and then call right back. Today since noon I have received in excess of 40 calls. I'm not avoiding the company but when I answer I get no Responce. I have all the calls recorded and phone records of the amount of calls. Their intent is to harass and cause undue hardship with emotional distress on my current situation. Please help.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2024-09-10
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: EQUIFAX, INC. (FL)

I recently pulled my credit report and I noticed that I've been a victim of identity theft and one inquiry I have no knowledge of. 
this is the inquiry : XXXX XXXX XXXX XXXX  - XX/XX/year>