davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Revenue Corporation (TX)

On XX/XX/XXXX, I sent a validation letter to United Revenue Corp for a debt in which they reported to the credit bureaus without notifying me first. When I did not receive a response from United Revenue Corp, I disputed the account with all three credit bureaus. I later discovered that the account that was being reported by United Revenue Corp was related to an unverified medical debt. Over the course of the next 2 years, I sent 5 more letters to URC, one of which dated XX/XX/XXXX was a HIPAA violation letter. Finally, I received a response on XX/XX/XXXX in which they claim that they were providing validation of the debt. URC has missed the most important fact that my Texas Physician Resources does not have a HIPAA release consent from me which would allow my medical information, if this belonged to me, to be released to anyone. I informed URC of this and they have failed to correct their wrong. This is a violation of my HIPAA rights and I am reaching out to your organization to report this company before I proceed with legal actions.
Consumer complaint received 2019-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 I made I purchase online for an electric car. The website was https : XXXX. The amount of the transaction was {$160.00}. After the transaction, I was supposed to receive a confirmation email with the transaction ID and other information, but the email never arrived, and after three days of waiting, I tried going to that website, only to find out that it no longer was available. 
I created a claim with my bank ( Bank of America ), and I received my funds the next day while they investigated, and after some time, I received a notice that the funds which were given to me were debited from account due to the bank of the seller refused to return the funds. 
I was informed by the fraud department of BOA that in order for me to win my case was to take the seller and his bank to small claims court, except that would be impossible since the seller and his bank is in XXXX, and also unable to be located.
Consumer complaint received 2021-07-28
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

This is my second complaint. The previous one was completed by my loan officer, XXXX XXXX. I purchased a car through Nissan Motors in XXXX  of XXXX. I am the only borrower and I bought the car for my wife. She is now my ex wife and I was unaware that she was not making payments. She was behind for three months. Nissan never called me or notified me that the payments were late. XXXX XXXX gave me a pre-approval letter and I am under contract to purchase a home. When I received my credit report, I noticed my ex-wife did not make 3 payments. In order for me to continue with this contract, I made a payment and my ex-wife also made a payment on XX/XX/XXXX and brought the account current. I requested a letter from Nissan so that I can re-score my credit report. Nissan refused and said that they can not provide a letter stating that the car loan is now current until 21 days have passed from the payment I made on XX/XX/XXXX. Nissan 's reason is that I may possibly withdraw the payment already made. This is ridiculous and is causing me a real financial harm to me because my escrow deposit is at risk because I can not be submitted for a mortgage with the Nissan tradeline reporting as late when it has been current for the past sixteen days.
Consumer complaint received 2021-07-28
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I went to inquire about a car at a used car dealership, I was told that I needed my credit ran. I told them run it once with XXXXXXXX XXXX, which they didnt due. The used car dealership is XXXX XXXX XXXX XXXX XXXX XXXXXXXX located at XXXX XXXX XXXX XXXX XXXX, NY XXXX. I didnt authorize them to run my credit 4 times. It was ran with companies that I didnt ask them to run it through. Date that it was ran was on XXXX. The companies were XXXX XXXX XXXX XXXXXXXX, CAPITAL ONE AUTO FINANCE, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
Consumer complaint received 2021-07-28
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: EQUIFAX, INC. (TX)

some one in XXXX  Kansas open 2 auto loans and they appear on my credit report, one was made on XX/XX/XXXX and the second one was on XX/XX/XXXX same dealer ship XXXX XXXX XXXX XXXX XXXX, Kansas Phone XXXX-XXXX-XXXX, I also did disputes on XXXX XXXX, Equifax and XXXX  but they respond that the account is legit, I also did a police report, and the respond me that they investigated that person, and what they came out was that Social security gave that person the same number as mine we have almost the same name but one last name different.
Consumer complaint received 2021-07-28
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. (FL)

Please review new information related to my dispute of XXXX account # XXXX As per the attached copy of the bank statement provided to me by XXXX, the circled XXXX  number of my address on the statement ( XXXX ) does not match my actual XXXX XXXX as per the copy of the relevant page of my Experian credit report. 
Therefore, this account is fraud, please delete it asap.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2021 I disputed information on my credit report. 
Barclays bank refused to respond within the 30 days provided under FCRA 15 USC Sections 1681i. I received information from XXXX  that the account will be removed ( please see attached ) and as of today the information is still reflecting on all credit bureaus. I need this to be updated accordingly per FCRA guidelines.
Consumer complaint received 2021-07-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-12-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2019-12-14
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)

I am submitting this complaint about XXXX credit reporting agency and XXXX XXXX. There are 4 hard inquiries listed on my XXXX credit report. There should only be 1 hard inquiry not 4. I dont no why they did this as I did not apply 4 times in 1 day also I already have an account with XXXX XXXX. The 1 hard inquiry was for a credit line increase. They ran it 4 times according to my credit report which in return is affecting my credit score. I tried to clear this with XXXX  and was told I need to speak to XXXX XXXX. XXXX XXXX told me I need to clear it with XXXX. This is a circle and Im getting nowhere.
Consumer complaint received 2021-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2021 Wells Fargo Bank deposited {$220.00} into my account without my knowledge or permission. I discovered this when I saw a withdrawal from my account on XX/XX/XXXX by the bank for said amount. Their reasoning is that it was a executive decision because my account had a negative balance ( pending my Stimulus payment. I advised the bank to reverse the funds back into my account as this would only create more overdraft fees. I explained that this was all done without my permission and they had no right to mess with my personal account. The practice is to charge me a fee, not to put money into my account. Also asked how they would know if I was receiving a Stimulus payment, and what right did they have to create transactions based on a pending Stimulus payment, especially since that payment was going to my XXXX XXXX  account and not Wells Fargo. What right does a bank have to take such unprecedented actions? I feel that the funds be reversed to my account, and any overdraft fees resulting from this action be returned. I find the banks actions not appropriate and illegal. The bank refused to reverse the funds. Another case was opened with no guarantees.
Consumer complaint received 2023-12-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my extreme frustration and disappointment regarding the unresolved dispute of inaccurate late payment accounts on my credit report. Despite my repeated attempts to rectify this matter, the inaccuracies persist, staining my credit report and causing substantial harm to my financial standing. 
Account Information : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am appalled by the prolonged and seemingly ineffective resolution process regarding my dispute. It has been years already since I initially raised the issue, and there has been no satisfactory progress or resolution. 
I previously escalated this dispute, as indicated in my earlier communications with your bureau. However, the length of time without any resolution is unacceptable. I demand an explanation for the extended delay in resolving this matter and an update on the status of the escalated dispute. I question the thoroughness of your bureau 's investigation process and demand a detailed account of the steps taken to verify the accuracy of the reported late payments.
Consumer complaint received 2021-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Today I spoke with a representative from both Bank Of America and XXXXXXXX XXXX XXXX  about funds that should have been returned to me on XX/XX/2021. The Representative from Bank of America refused to transfer me to a Manager she flat out refused because she determined that my concerns and Finances were none of Bank of Americas concerns even though ID XXXX XXXX ( Associate Lied Directly to me ) and Failed to me ID XXXX XXXX
Consumer complaint received 2019-12-14
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. (LA)

There is a account ( XXXX XXXX ) on my Equifax credit report that does not belong to me. 
I have submitted a identity theft affidavit to Equifax 5 months ago, then 3 months ago and again 1 month ago. Equifax placed a comment on the account, consumer disputes - reinvestigation is in progress. 
This fraudulent account is preventing me from becoming a homeowner.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I was unable to temporarily lift my EQUIFAX security freeze via my landline phone, to apply for one credit card the next day. Their automated system requested a cell number ; I do not have a cell phone. I then spent hours on the phone with Agents in the XXXX. They told me to open an online account ; NOT gon na do that, because of their incompetent and reprehensible service. I then answered Agent questions : Name plus spelled out ; Social Security number ; Address plus spelled out ; Date of birth ; Phone number. I am a retired military spouse ; we have lived in the same home for decades ; no changes. 

First, they said their system was down, and to phone back in a couple of hours. In subsequent calls, I answered the same questions while struggling to understand their geographical accents ( I am hard of hearing ). They no longer use the PIN they generated when I initially placed my freeze, via my landline phone, after they finally made consumers aware of their egregious electronic breach of XXXX XXXX Americans. I was then told they could NOT temporarily lift my freeze, but instead to fax them copies of my Driver License and Social Security card with a cover letter ; I do not have a fax. Lastly, I was instructed to mail the requested documents via U.S. Postal Service from California to Georgia ; then wait three business days after their receipt of my slower coast-to-coast mail, and who knows how long that might take. I requested a Supervisor, but was denied.

The Federal Trade Commission ( FTC ) states, " If you request a freeze online or by phone, the agency must place the freeze within one business day. If you request a lift of the freeze, the agency must lift it within one hour. '' And the EQUIFAX Agent 's reply to that was, " We're a private company. ''
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Army and Air Force Exchange Service (ME)

While going through XXXX treatments, account defaulted. Account was eventually paid off, while going through treatments. Account is still reporting as a collection account even after paid in full and closed, and I did not receive a final statement of closure.
Consumer complaint received 2021-07-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

I fell behind on my loan back in XX/XX/2019 due to a messy separation. My income was reduced by half which caused me to default on the loan. My estranged spouse was occupying the property for over a year after we separated and she did not make any payments, which negatively affected my credit. I made several attempts to reinstate the loan but could not afford to do so, and did not qualify for a loan modification based on my income. I am now in the process of a divorce that is eating away at my income the longer that it goes on and I just want to resolve this matter in order to spare my credit as much as possible. The mortgage lender offered me the option of doing a short sale as recently as last month so I have submitted a complete application for a short sale over two weeks ago but the mortgage servicer refuses to review it due to the proximity of the auction date. I have submitted all the documents that they requested of me, as well as a purchase offer. I am trying to work with them to resolve my delinquency but they do not want to seem to help. When I was an XXXX XXXX service member and making plenty of money, I had no problem getting approved for a loan but now that I am struggling financially, I can not get the lender to even review my documents in order to help me out here. Please help me get this resolved, I am trying to rectify the default but the lender refuses to work with me and I do not want to suffer the consequences of a foreclosure on my credit when I have been trying to resolve this for close to a year.
Consumer complaint received 2021-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-07-26
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: TD BANK US HOLDING COMPANY (PA)

I just looked at my credit report and saw that I had 5 Inquries pop up on my XXXX  on XX/XX/XXXX, 1 on XX/XX/XXXX, 1 on XX/XX/XXXX, 1 on XX/XX/XXXX and 1 on XX/XX/XXXX. Then on my XXXX  I see 5 Inquries on XX/XX/XXXX. I don't know where any of these inquires came from and they are affecting my report.
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (CA)

To whom it may concern, I am writing in regards to the collection reports that have been placed on my credit, from the original creditor ( XXXX XXXX XXXX ), the collection agency ( National Credit Systems ), credit bureau companies and whoever else that is claiming rental debt, third party debt collector, and credit bureaus ( data collection agencies ) collectively. 

I strongly believe that the companies mentioned above have also violated the Centers for Disease Control and Prevention ( CDC ) COVID-19 Moratorium and the COVID-19 Tenant Relief Act - SB91 ( Act ), federal law that the state of Michigan also supports. 

Additionally, earlier this year, I had mentioned to the entities/companies ( XXXX XXXX, National Credit Systems collection agency, and the credit bureau companies ) regarding the hardships that I have faced financially and emotionally. However, the companies have continued to bombard and harass me with notifications, payment demands, collection agency letters to my family and I, and credit reports that are still being done to this date. 

Lastly, I understand that CFPB is a regulatory federal agency who assists with fraud and identity theft prevention, as well as financial harm to consumers. I ask for CFPB to monitor and review the complaint entirely throughout the investigation process while forwarding it to the companies. Unfortunately, I strongly believe that my rights have been violated and I ask for these reports to be removed from my credit in a timely manner. Thank you.
Consumer complaint received 2019-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (GA)

I submitted a directive for XXXX XXXX, dba, Chief Executive Officer, to perform a set-off and adjustment of all charges by the exemption in accord with UCC section 3-419 ; House Joint Resolution 192 of June 5, 1933 ; Public Law 73-10 ; Title 26 section 674 ( b ) ( 5 ) ( b ) under Safe Harbor and US Constitution and release me from this obligation. Ms. XXXX fail or refused to perform her fiduciary duty as it relates to this matter.