davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
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. (IL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
1. Mistaken Identity XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Consumer complaint received 2021-04-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Home American Mortgage Corp (AZ)

We had applied for a XXXX  loan everything was going great came to the final week where they got a presentation for a house and ready to set the closing date. Then the mortgage company had the XXXX  assessor come by in the assessor did not include the pool on the work order that was going in. So the assessment came in at XXXX and the loan amount was for XXXX. Now the mortgage company is saying the XXXX  is not responding to the request for an addendum and it is now XXXX weeks past the date were supposed to close and we are still in limbo. We dont know where else to turn to get the answers on why its taking so long for either the XXXX  to respond or for the mortgage company to set a close date. Thank you
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

This is follow up and an additional complaint on USAA. 

The attached letter discusses the issues. 

USAA has not given answers to the two issues 1 ). May I please have the XXXX XX/XX/2020 documents 2 ) May I get an explanation for why my USAA was terminated and why I am " lifetime undesirable '' at USAA. 

They called and said nothing.
Consumer complaint received 2023-03-05
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. (MI)

In accordance with the fair credit reporting act XXXX Account : XXXX has violated my rights. 

I have reviewed my payment history and I believe he late payments on my account are not accurate. I would like the late payments removed from my account. 

15. U.S.C. 1681 Section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-23
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. (OH)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These inquiry do not belong to me. i will like for them to be remove from credit report. 
DELETE XXXX XXXX
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Several federal violations pursuant under 15 U.S. Code 1692 were committed by Portfolio Recovery Associates, LLC dating XX/XX/XXXX through XX/XX/XXXX. I never gave consent for Portfolio Recovery Associates, LLC to communicate or contract with me. As a federally protected consumer, I requested valid proof of the alleged obligation several times and never received said validation. In XXXX of XXXX, Portfolio Recovery Associates, LLC reported this alleged debt to XXXX, XXXX  and XXXX  consumer reporting agencies violating my federally protected rights as a consumer pursuant to 15 U.S. Code 1692 and wreaked havoc to my credit status. I filed complaints with XXXX XXXX XXXX of XXXX XXXX XXXX, State of North Carolina Dept. of Justice, and Commonwealth of Virginia Office of Consumer Affairs. On XX/XX/XXXX I received a letter from Portfolio Recovery Associates, LLC stating that they filed a Universal Data Form electronically requesting that the three consumer reporting agencies update PRA 's trade line for alleged account on my credit reports. On XX/XX/XXXX the debt collector was sent a notarized Affidavit of Truth, exhibit ( s ) of violations and an invoice certified mail for their abusive practices from the federally protected consumer seeking monetary relief pursuant to 15 U.S. Code 1692k. I'd like closure to my requested remedy according to damages sustained and regulated under 15 U.S. Code 1692. There is no statute of limitation for fraud.
Consumer complaint received 2021-04-05
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. (IN)

I filed a dispute with the credit bureaus ' XXXX, Equifax and XXXX  on XXXX and have not received any response from any of the companies they have violated my rights as a consumer under the FCRA 15 usc 1681 they have violated my privacy and have furnished accounts without my written consent
Consumer complaint received 2023-02-27
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. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a 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 an account without my written instru

ctions 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 or 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 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... ONEMAIN XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I noticed someone opened a cellphone line under my name, when it came to collection. i have never authorized anyone to do such thing. it is results of identity theft when i traveled to XXXX a few years ago. i urge you guys to take this off my credit because it does not belong to me
Consumer complaint received 2021-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

***PLEASE NOTE MY CAPS BUTTON IS STUCK ON FOR SOME CRAZY REASON AND I AM NOT YELLING OR TRYING TO BE AGGRESSIVE. *** ON OR AROUND XX/XX/XXXX I CONTACTED MIDLAND CREDIT MANAGEMENT ABOUT TWO ACCOUNTS THEIR OFFICE WAS CURRENTLY REPORTING ON MY CREDIT REPORTS. I WROTE ASKING FOR VALIDATION PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, AND THE FAIR CREDIT REPORTING ACT, ALONG WITH MY LOCAL LAWS. ALL LAWS BASICALLY STATE THE SAME THING, UPON REQUESTING AS A COUNSUMER- I AM ENTITLED TO EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) CONTRACTUAL OBLIGATION TO PAY THEM ANYTHING. PLUS, I NEEDED EVIDENCE THE DEBT/CHARGES WERE MINE. I ALSO REMINDED THEM I HAD MADE ALL 3 BUREAUS AWARE OF FRAUD ON BOTH MY SS # AND CURRENT ACCOUNTS FROM A DATA BREACH. I ALSO INQUIRED ABOUT THE PROCESS THEY USED TO VERIFY THE DEBT. ADDITIONALLY, I ASKED THEY PROVIDE ME THE INFORMATION OF THE PERSON ( S ) THAT VERIFIED THE ALLEGED DEBT SO I MAY INVESTIGATE FURTHER SHOULD I NEED TO. I REQUESTED IF THEY COULD NOT PROVIDE THE INFORMATION REQUESTED THAT THEY REMOVE THE ITEM FROM MY CREDIT REPORT ( S ) AND STOP COLLECTIONS. I MAILED ( CERTIFIED MAIL ) MIDLAND ON OR AROUND XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. IN RESPONSE TO MY LETTERS MIDLAND RESPONDED " AFTER INVESTIGATION YOUR ACCOUNT WAS VERIFIED YOUR DEBT '' BUT I NEVER RECIEVED ANY OF THE VALIDATION REQUESTED AND REQUIRED. FURTHERMORE, ON ONE OF THE ACCOUNTS ( XXXX ) THEY DID NOT RESPOND WITHIN THE REQUIRED 30 DAYS, NOR DID THEY REPORT THE ACCOUNT AS DISPUTED WITHIN THE 30 DAYS, THAT ALONE MAKES THEM NON-COMPLIANT AND THE COLLECTION SHOLD BE REMOVED. THE LAST RESPONSE MIDLAND SENT ME A LETTER DATED XXXX STATING " WE ARE UN CERTAIN OF WHAT YOU ARE SPECIFICALLY DISPUTING '' AND REQUESTING " WRITTEN EXPLINATION AND DOCUMENTATION DEMONSTRATING ANY ERRORS IN OUR ACCOUNT INFORMATION ''. IT IS NOT MY JOB TO DO THIER WORK. I HAVE BEEN VERY CLEAR WHAT I AM DISPUTING AND REQUESTING, I AM DISPUTING THE ENTIRE ACCOUNT AND REQUESTING VIABLE EVIDENCE THAT THEY MUST HAVE ON RECORD THAT THE DEBT IS INDEED MINE AND MY SIGNATURE STATING I HAVE A CONTRACTUAL OBLIGATION TO PAY THEM. AS YOU WILL SEE IN MY ATTACHEMENTS, THEY HAVE SENT THE SAME LETTER EACH TIME IN RESPONSE, THIS IS WHAT I BELIEVE IS STALL TACTIC AND COMPLETE VIOLATION OF THE LAW. I DECIDED TO FILE A COMPLAINT AS THE LAST DITCH EFFORT TO GET YOUR HELP BEFORE FILING AT MY LOCAL COURTHOUSE AND ASKING A JUDGE TO DECIDE. THANK YOU FOR YOUR HELP.
Consumer complaint received 2017-03-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

i close my account XX/XX/2017 and still active i pay remaning balance and account still active promise account close after pay and reverase my overdraft and account not close still active XXXX bank not close and nowaprt huntington bank still active my account
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

The Kay Jewlers credit card has a balance that included a promotional, zero interest balance until XX/XX/. I called before my due date and made a payment to fully pay this balance off. The due date came and I called again to make another payment towards the principal, non-promotional balance and found out they did not apply my first payment towards the zero-interest promotional balance and instead applied it to my minimum payment. This means I paid interest of 29.99 % on my promotional balance AND 29.99 % on my principal balance. When I questioned why they didnt apply my payments as I requested the representative changed their answer multiple times. First she said it was because my minimum payment was due ( this is untrue because I called BEFORE my due date ), then she said to apply any payments towards my promotional balance I needed to submit this in writing ( also untrue according to the terms ), finally she said they would escalate and respond. I never heard back from them. Next thing I know I have a late payment indication on my credit report. I called again and they gave me the same run around. I have disputed this with my credit reporting app and no one has been able to address the fact that I have them money, told them how to apply it and they didnt follow interruptions and did what they wanted with my money. It is the principle of the fact.
Consumer complaint received 2024-03-22
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. (FL)

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.

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 2021-04-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

My complaint is about the US trading platform XXXX XXXX and thus also about XXXX. For about a month I no longer have access to my funds on XXXX XXXX. I have already made several attempts to contact support. In the meantime over 25 times. So far I have not received a solution to the problem and my balance is frozen. My only goal is to withdraw my own money from XXXX XXXX again, but I am being denied for no reason at all. In total ( / BTC / ETH ) it is over XXXX.
Consumer complaint received 2021-04-05
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: R & B Corporation of Virginia (VA)

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX regarding an account being reported by CREDIT CONTROL CORP XXXX The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX & XXXX responded that the account was unable to be verified and deleted it from my credit report but XXXX failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported
Consumer complaint received 2021-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

What is this complaint about? 
Fraud called for debt collection. 

What type of problem are you having? 
Keep calling me and terrifying me. 

What happened? 
This call tried to scare me that I owe the Bank of America an amount of {$3600.00} that I never open an account. However, they have my name on record. 

What company is this complaint about? 
XXXX XXXX from XXXX, NC. It aimed that from Bank of America.
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO Bank, N.A. (WA)

On the XXXX of XXXX I received a correspondence from BMO Harris Bank reference information on my account. An account I never opened. I contacted the Bank today, the XXXX of XXXX, and cancelled the account. 
The account was with BMO Harris Bank N.A., XXXX. XXXX XXXX, XXXX, IL. XXXX. The Statement Period is XX/XX/21 to XX/XX/21. Deposit Account Summary Previous balance XX/XX/21 balance XXXX Ending balance XX/XX/21 XXXX No deposit activity during this statement period.
Consumer complaint received 2023-02-03
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-04-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Arco Collection Services LLC (TN)

This is not my debt. I have been paying this debt for years. I call to make a payment in XXXX of 2021. The lady was verifying my information and she said what kind of car I was paying for. I asked her to give me the information again and that is not right. She said you been paying this for years now. I said I was never told what kind of car only that you were garnishing my check. I had just had my check garnished. I got a letter from a attorney that it was paid in full. I talked to man last name XXXX who was very very rude. Arco Collection in XXXX, Tennessee had stolen money from me for years and knowing full well this debt is not mine, I deserve all my money back from these bullies. I want my money back they stole from me for years now I was bullied into paying these bullies. They will not give me any paper work nothing. No details!
Consumer complaint received 2021-04-05
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: ALLY FINANCIAL INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX  XXXX  XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

I closed my checking and savings account with CitiBank at the end of XXXX of 2021. There was a balance of {$10000.00} and I agreed to have CitiBank mail me a check with the balance. The representative said that it will take between 10-15 business days to receive the check. Five phone calls and two months later, I still have not received my check. I spoke with multiple representatives and their supervisors, but they can't resolve this issue and do not offer any alternative to sending a check.
Consumer complaint received 2021-04-04
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. (MD)

I had fraudulent activity going on my credit report awhile back & called Eqiifax about it & when they investigated on it, they seen it was fraud & gave me conformation number showing that they have removed the 4 hard Inquiries from my credit report & address XXXX XXXX XXXX XXXX that wasn't mine, never lived there. They never removed anything & they can't give me a confirmation showing they have removed it but never did That's illegal & I can file a lawsuit for falsifying documents.
Consumer complaint received 2022-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Since XXXX XXXX I have been calling XXXX XXXX  to dispute incorrect bad XXXX ACH transactions, have been in contact at least 5 times and still unable to get my money back!! 
I have been selling clothing items on XXXX and the USPS postage labels are charged and printed by XXXX. During the busy XXXX sales something went haywire with either XXXX or XXXX and received postage labels with wrong or unverified, corrected addresses and my packages COULD NOT HAVE BEEN DELIVERED ON THE INFO PROVIDED. My packages were going up and down from the west coast to east coast and asking for new addresses or new delivery data by USPS. I have lost {$300.00} to {$400.00} valuable merchandise and USPS still do not have the info WHERE THE PACKAGES ARE!!!