davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

I declare under penalty of periury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (TX)

On XXXX/XXXX/XXXX, I attempted to open a bank account with XXXX XXXX Bank Texas. As part of their due diligence, they check my credit and other records and rejected by application to open an account. I was referred to XXXX. XXXX sent me a report and indicated I had mishandled/reported for cause and/other outstanding debts. 
That reports indicated that I had opened an account with US Bank sometime in the fall of XXXX and they closed it for account abuse. 

US Bank did not provide a phone number to dispute this report. I have had issues with my accounts being stolen and I need to get US Bank to remove this info. Their website is not at all customer friendly and very confusing. 

Thank you
Consumer complaint received 2024-03-29
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. (VA)

My information has been in several data breaches and I have had XXXX inquires on my account that I have no clue what they are. I also have put alerts on my account and still no one has taken any actions.
Consumer complaint received 2023-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXXXXXX 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  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not Reported XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Original Balance : {$2300.00} XXXX XXXX XXXX XXXX Original Balance : {$3000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting an inaccurate account on my credit report. I sent a letter to the company XXXX asking them to validate the account in which they couldn't so XXXX and XXXX removed it from my credit report. I am having a hard time believing that TransUnion conducted an investigation because if they did, they would have known that the company was not able to validate the debt and that they are not licensed in the state of Texas to collect debt. This is a violation of the FCRA, and I am liable for compensation. At this time, I am only asking for the deletion of the inaccurate account. If I have to take legal action, I will be pursuing {$1000.00} per violation. Please see the attached documents of the dispute letter and my credit report showing that Transunion is the only credit reporting agency that has yet to remove this inaccurate account.
Consumer complaint received 2023-05-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Suttell, Hammer & White, P.S (AK)

I tried to work with XXXX  XXXX XXXX when I lost my job and took a huge pay cut into a next employment opportunity. They didnt work with me claiming hardship. I always paid my bills ontime every month, that is in my character. I bought my own condo by age XXXX because - facts - I paid my bills and had a good credit score. I had to reach out to Credit Associates for help in settling debts and payment plans that I could work with. They settled with XXXX XXXX XXXX. Suttle and Hammer did not try to contact me, nor resolve this. They went straight to court, filing a law suit. I thought this was still being taken care of since my account was closed by XX/XX/2022 with Credit Associates. Suttle and Hammer! wiped out my bank accounts, which i just got paid for. That was my rent, my food, and gas. I already have XXXX so I am on a strict diet that I now could not provide for. I sent the courts to reopen my cases since I did not know about them, had to XXXX the attorney. My papers were mailed to the wrong address/company by the time I received papers from Suttle and HammeXXXX. Also, putting my into an agreement i was not emotionally sound on doing, after they wiped out my accounts. I did not budget for this because it was supposed to be closed. Not only did this affect my life, but for XXXX years i couldnt get a car loan ( which affects my job to society, a major question employers ask is do you have reliable transportation, i had to say no on many occasions. This now affected a group of my friends who had to help me ). This company used intimidation tactics and cruel affecting my life, my rent, my mental emotional and physical health. I have no evidence of this place ever contacting me or trying to resolve this except their aggression to ruin my life. I was labeled as a person who doesnt pay their debts!!!
Consumer complaint received 2023-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (IL)

Hello, Im having a weird issue with my bank. 

i received money through XXXX  from my boyfriend ( {$1000.00} & {$1500.00} ). & now my account is displaying a message saying your account is temporarily unavailable i called the Bank & was told that someone named XXXX was working on my account and i called him directly XXXX XXXXXXXX, left a message him and havent heard anything back from him yet. its been multiple days and i still dont have access to my account or my funds. this has been a terrible experience so far with US BANK. Not sure why my account is on hold but i would absolutely love to hear from someone that can get this resolved.. havent had any issues besides this. i feel as if nobody cares to help me fix my account
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Due to hacking, account tampering and wrongful death and stolen paperwork and problems recieving mail due to victims report making me undiscoverable under XXXX XXXX and XXXX XXXX and the XXXX XXXX I have had troubles with recieving mail and funds in my name on several banking sites and missing XXXX Address changes and affidavits are being put in without consent. And the location I recieve mail from lies to me about recieving mail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because of this issue and XXXX XXXX that were lost or handed out to the wrong people. I don't have any case management or care takers just in case this Is being said posing any issues. 
XXXX XXXX Capitol one These are all bank account that someone has set up with out my knowledge and could be stealing my funds My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there is a person using his identity but my father does have consent due to a wrongful death experience
Consumer complaint received 2023-02-02
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Finance Company, Inc. (CO)

I was billed by XXXX XXXX of Colorado through a finance collection agency call Professional Finance. I've never received a bill from XXXX XXXX and this was put on my credit report and for collections for two instances of {$170.00} each. This is a clear XXXX violation and I will take action against both of these companies for reporting XXXX information to a third party without my permission.
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK (NC)

There are 2 names on my credit report. My name and XXXX  and my twin name is XXXX. XXXX XXXX XXXXXXXX, XXXX and Discover I didn't apply for anything from these companies. 
Also my address is wrong I never lived in XXXX, NC  nor XXXX, Virginia.
Consumer complaint received 2023-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

My name is XXXX XXXX, I have multiple accounts with Chase bank. I was on a business trip to XXXX XXXX on XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX my wallet, keys, phone, ID, SS Card, and other items were stolen. I filed a police report, # XXXX. I contacted Chase bank about the incident and they advised that multiple charges were in pending state in amounts of {$5100.00}. I advised them to lock the card it and those charges were not me. The chase specialist advised that she can not do anything until the amount post. I was so upset because the amounts were draining the account. I would have to wait till the following day to do anything. I called the following day because at that time now it had posted to the account ( Following Chase instructions given ) I made the claim and advised them that once I receive a copy of the police report I will provided it to Chase via chase secured message center. I also Fax the report from a chase branch due to Chase not able to receive it. After a single day went by ( XXXX  day ) I received a message advising that they denied my claim and that the charges were found to be me. Absolutely Insane. Then at that time I called chase and asked how can this be determined, they advised that they used information gathered in XXXX day. I requested the documents used in verbal and in writing and yet still nothing is received from Chase. a total of about XXXX XXXX was taken and chase allowed this to happen. No one has given me a call and no one is willing to help, I am a private client and XXXX member with chase
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-25
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. (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, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXXXXXX, 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 2017-03-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

We got a bill in the mail from Bank of America to pay our new escrow due. We did n't understand why the escrow due did n't reduce because two months prior we learned that one of our mandatory forced insurance premiums went down by {$300.00}. Upon investigating, we learned that our hazard premium 's dwelling value dropped by {$30000.00}. No one at Bank of America could tell us why. The other forced flood premium was still holding a dwelling value of {$40000.00} more than the hazard dwelling value. No one from Bank of America could tell us why. We were directed to call another number and it turned out to be the claims dept for the flood insurance and they could not help us. We then telephoned the phone number at the bottom of the hazard declaration page and it was not the insurance company named at the top of the page, but it was called Bank of America Insurance. Not even XXXX there could tell us why the dwelling value dropped, nor why it differed from the flood policy 's dwelling value by {$40000.00}. We then discovered that, ever so oddly, our city taxes and our flood premium went up for the new year the same exact amount our hazard policy went down - literally by the dollar. We are fascinated, but still, no one had any explanations for any of the changes. Bank of America said they would start a review. We 've heard that before when the difference between the two policy 's dwelling values were only {$10000.00} off from each other for the last 10 years. It makes no sense that the old difference has now turned into a {$40000.00} difference in value. We get no answers. We never get any money back when policy premiums drop. Why this year it happened we still have no answers for. Can you tell us? We tried to file through NYSDFS, but the claim 's Submit Button would not work.
Consumer complaint received 2023-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (KS)

I recently obtained a CitiBank XXXX XXXX credit card with a {$1000.00} limit. From the very start it was difficult to use this card. I had made a purchase online for my first purchase, my second purchase, a pos at XXXX was denied & it took XXXX minutes to verify the account before it would go through. Knowing that I intended to use the card to purchase airline tickets in the coming days, I quickly made a {$900.00} payment directly from my checking account ( which has been linked to this card for payments ). 
The {$900.00} was withdrawn from my checking account on XX/XX/23 & it cleared that day. CitiBank posted it as a payment. 
My available balance remained at {$57.00} despite having XXXX balance. 

When contacted, customer service stated Citibank was holding my payment for investigative purposes & that they apologize but there nothing they could do, the account would not be cleared until XX/XX/XXXX. This means Citibank gets to use my {$900.00} ( & every other persons payments ) for free, they get to earn interest on my money. No one can tell me if this will happen every payment or not. My card is completely useless, had I been traveling Im would have been in a desperate situation. This seems to me like completely unfair practices..
Consumer complaint received 2022-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (LA)

I am having difficulty with this company saying that I do not have hazard insurance. After my last complaint, they have changed the claim and said that I do not have flood insurance. Prior to this, the company had never asked me to get flood insurance. However, I did go out and purchase {>= $1,000,000} worth of flood insurance. The purpose of this complaint is to ensure that the company admits that I have bought this flood insurance and reanalyze my mortgage amount to reflect the removal of the forced placed flood insurance that I bought. 

I faxed in proof of this insurance on or around XX/XX/2022. In addition, I am uploading a copy of the declaration page and insurance material with the complaint. 

I file this complaint, as the executor of the estate of XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-05-28
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: Paramount Recovery Systems, L.P. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX XXXX 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 resulted 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 VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT 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 the accounts listed IMMEDIATELY!
Consumer complaint received 2023-05-28
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: TD BANK US HOLDING COMPANY (CA)

I reviewed my Consumer Reports and noticed that I have XXXX payment late on my XXXX XXXX account but it is marked inaccurate for the month of XX/XX/2022. The different companies are reporting different outcomes for that month can you investigate this discrepancy thank you XXXX XXXX
Consumer complaint received 2024-03-29
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. (NC)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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.