davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
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: Experian Information Solutions Inc. (MD)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX XXXXXXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX have violated my rights. 

1

5 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 2020-08-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc (NV)

Plusfour Inc Collections. I did not receive any notice to dispute this bill. 
I was in a XXXX car accident in which i was the passenger in the accident in which the XXXX drivers insurance XXXX XXXX XXXX  Company was paying. When speaking to them they told me they had error by the previous agent was no longer with them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX
Consumer complaint received 2015-05-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

I have been trying all day to set up an account with b of a on XXXX XXXX in an XXXX XXXX. I am moving from XXXX to XXXX soon. I spoke with XXXX at the branch who said he could handle it. Then said he had to wait til friday. Then I had my bank manager here in XXXX call him to work with him to set up account and wire money. he said i could go on line - but he was busy. We tried that for hours. No one at B of A knew how to do it even though they offer it. I spoke to XXXX, XXXX and on and on. We simply wanted to open an account, wire some money in so that I would be prepared when i moved to XXXX in XXXX. 
It was a fiasco of ignorance.No one at B of A knew how to work the computer or knew the procedure. I asked if they wanted XXXX to call them and show them how. The entire staff including managers was incompetent. All I wanted to do was be prepared for the move. These people took all my private information several times and then said they were stuck. If they ca n't do on line banking - get off it. We tried that for hours. I spoke to XXXX, XXXX and on and on. We simply wanted to open an account, wire some money in so that I would be prepared when i moved to XXXX in XXXX. 
It was a fiasco of ignorance. No one at B of A knew how to work the computer or due the procedure. All I wanted to do was be prepared for the move. These people took all my private information several times and then said they were stuck. If they ca n't do on line banking - get off it.
Consumer complaint received 2022-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (NV)

XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nv, XXXX Last XXXX of SSN # XXXX XXXX : Consumer financial protection bureau To whom it may concern I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following information reporting to my credit. 

No Account number listed for this account, Spring Oaks Capital LLC XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX, amount listed $ XXXX dates and the amount owed. 

By you continuing to report accounts on my credit report without my written consent along with you not respecting my right to my privacy this is identity theft Any transaction on here is a transaction that was from real life experience which is suppose to be excluded from my consumer report You are continuously updating the date of the last activity every single month on these collection accounts. It is clearly obvious that you are prolonging the statute of limitations for these account to make them last longer on my consumer report.the date last active is XXXX XXXX and I'm sure you will change it in the next month Im not sure if you have some type of business relationship with the collections agency but i am not happy that you are changing the date every month. This account was put on my report XXXX XXXX XXXX and you are making this account look newer than what it really is which is false and misleading. 

Delete This inaccurate account from my report or I will be pursuing litigation for actual damages of artificially damaging my XXXX score Please tell me how you verified these items as I have a right to know since the investigation you did last month is already over. Who did you talk to the original grantor? Did you write? I have no knowledge of this creditor nor did I give authorization for this creditor to report on my account. I literally have no knowledge of this account and this is identity theft. 


I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are inaccurate, According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -You are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
I await your reply. Once you have fulfilled my request, Mail me an updated credit report reflecting the changes. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-09-28
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: Collection Bureau of the Hudson Valley, Inc. (NJ)

On XX/XX/2015, COLLECTION BUREAU OF HUDSON VA added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused at any point in time from reporting date. A bill without a signature does not validate the debt and anyone can send a bill and make false claims. According to the FCRA COLLECTION BUREAU OF HUDSON VA has violated my rights as s consumer and i am requesting legal action to remove this account immediately.
Consumer complaint received 2020-09-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

Experian is not taking investigation of false account on my credit report against me and XXXX sent me letter as attached for they found the XXXX  XXXX XXXX  XXXX card is not mine and they removed it from credit file.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP ()

In XXXX I was on holiday in XXXX. I opened a bank account in USBank. 
opened a checking account and savings account, because I wanted to have a credit card to do online shopping from XXXX, as XXXX 's credit card would charged way too big taxes on purchases in foreign currency. 
Opened a checking account and deposit XXXX and XXXX  XXXX on a savings account. 
A month later, go them closed with no reason. 
Received a check for the savings account and cash it. but the Savings account check arrived late and never cashed. when back home try to contact the bank several times and waiting on the phone was super expensive from XXXX. 
I visited a branch XX/XX/XXXX when travelling to XXXX, the one nearest to XXXX. 
spoke to the manager, she was almost an hour talking to someone from some department in USBank. She took copies of my passport, I showed her the photo of the check and she confirmed the check has not been cashed and was still good to use. But I did not have it as it was deliver to the address on file at the bank, my friends place in XXXX. He misplaced the check. I have been waiting for that check since. The manager from that branch never answered my emails and when i called the bank they say they can't pull up my account because its closed! i gave them the savings accounts and can give them photo of the check but no-one takes responsibility. last week I contacted one more time to the person who opened my account cause she remembers me and she is trying to get any info but she is leaving on maternity today XX/XX/XXXX. She said she copied her branch manager. 
this is getting really complicate and I just read about this agency that could help me. 
Would like if possible to to get that check mailed to me in XXXX, or be waiting for me if I decide to go via XXXX to XXXX. Or even send it to my friends place, same address I gave the bank when I opened the account. 
Thanks
Consumer complaint received 2020-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (PA)

I have been trying to get a method of verification with PENN CREDIT Corp to the point I even went as far to connect CFPB last month to get it resolved, Penn Credit responded by stating that I agreed to pay the debt I owed during a phone call which this is absolutely not true, I never verified the debt was mine but at that point I was so frustrated I was almost willing to pay it, they sent out account statements which does not verify anything. They never stated how they verified the account or any documentation supporting this actually being my debt. I do not feel its appropriate to pay debts that are not mine.
Consumer complaint received 2022-03-25
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: EQUIFAX, INC. (TN)

In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( F ) - Reporting information during Covid-19 Pandemic ( ii ) ( I ) states if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current.
Consumer complaint received 2022-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

Me and my wife are account holders with Chase, today we tired to do some account maintenance for existing accounts, and the customer representative we dealt with was disrespectful and arrogant, I tried to file a compliant through Chase through my Chase app and you cant and through their web page, I couldnt get in. I know it might not be a case of fraud or deception but may be of unfair treatment again XXXX or elder treatment, and I know I have the right to file a complaint but they make it difficult to file one. Beside we sh have been treated in such a disrespectful manner. 
The branch in question is located at XXXX XXXX XXXX XXXX, in XXXX, XXXX, XXXX. If you look at the branch website you will see I am not the first one to complain, and it was not the first time they have treated us in that manner and it was time to escalate this issue.
Consumer complaint received 2022-11-06
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: InDebted Corporation (IL)

Money paid for a flight for medical needs overseas was taken by XXXX XXXX because I was falling out at night after a XXXX and slept when money was sent and couldnt wake up after XXXX XXXX. The money was taken by the sending agent. The amount taken was XXXX dollars. I am very Sick and XXXX XXXX XXXX getting worst because the XXXX is water born.
Consumer complaint received 2024-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Adjustment Service, Inc. (TX)

Im unaware about who these guys are but they are falsely reporting a debt collection on my credit report. I never received any notices about this debt therefore they are violating my protected rights. This is causing severe stress and anxiety as I was attempting to apply for an apartment and this debt showed and prevented me from getting the apartment! I hereby am disputing this alleged debt according to 15 usc 1692g and I demand that you provide me a contract explicitly between YOU ( Diversified Adj Srv and I ) within 30 days! Thanks. Failure to comply will result in a private right of action.
Consumer complaint received 2022-10-12
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, account number XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently requested my credit reports and found some fraudulent accounts had been opened in my name.

Transunion- Report # XXXX Is reporting two fraudulent accounts that do not belong to me : *XXXX XXXX XXXXXXXX XXXX XXXX orginator of the debt ) * XXXX XXXX XXXX- ( fraudulent auto loan/lease ) I have directly contacted this credit bureau with my dispute, I need your assistance at this point. 

XXXX Report # XXXX Is reporting a fraudulent account from XXXX XXXX XXXX XXXX auto loan/ lease0 This account is not mines and was opened in fraud.
Consumer complaint received 2020-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (FL)

On XX/XX/2020 I canceled my XXXX Account in XXXX. I moved to XXXX permanently and no longer needed service. Unfortunately I made many attempts by phone, email but no one would get back to my due to corvid 19 shut down. Finally someone from XXXX XXXX called me back and confirmed service was turned off XX/XX/XXXX, XXXX we made several attempts to turn in equipment but offices were closed. I made arrangements with my in laws and they attempted several times and were directed to leave equipment at XXXX office in XXXX XXXX XXXX XXXX. I received a letter dated XX/XX/2020 from Sunrise Credit Services demanding the amount of {$880.00}. this included amount of XXXX service charge plus equipment charges of XXXX I explained equipment was dropped off. they still insisted I owe XXXX. I explained I paid up to XX/XX/XXXX and would be willing to pro rate amount for the period of XX/XX/XXXX -XXXX XXXX. Sunrise Credit refused. They insist on payment for whole month even though service was discontinued XX/XX/XXXX. How do I fight this? I have continued to XXXX XXXX concerning this matter and no one gets back to me.
Consumer complaint received 2022-10-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CO)

I have already filed a complaint # XXXX XXXXI noticed under, on my complaint your contact information it says XXXX XXXX XXXX That's not me. Don't know how the wrong information got there. My contact info is XXXX XXXX XXXX. Contact Phone XXXX.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (TX)

I was given a background check for a future employer, I passed, but looking at it, I have an address of which I've never applied to, lived at, or known was even knew were here in the area. It states that it's an apartment, but the address is in a housing development. This is incorrect information because it'll hurt my chances of employment. I also have a second living arrangement that needs to be changed. The address given for the first error is XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, TX ... I did have an address at XXXX XXXX XXXX, the same apartment number. 

The second wrong address is XXXX VA, part of the XXXX area VA medical. It's a medical facility, not a residence. I'm really kinda weirded out by this because no one lives here as it's a medical facility. The address to that one is XXXX XXXX XXXX  XXXX XXXX, XXXX, WA. I've never lived in any VA facility nor will I ever. Yes, I'm a veteran of the XXXX XXXX, XXXX, but no, never been lived in the address.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. ()

Since XX/XX/2022 I have a Credit Card to build my credit. However, payments are not beingreported to Experian. I contacted the Bank, but the " XXXX XXXX Credit Bureau resolutions '' department only receives complaints by letter. I sent the fi rst letter with the instructions received by calling XXXX ( XXXX ) XXXX. On XX/XX/XXXX, I received a letter asking me to send again the samedocuments as the fi rst letter, saying that they did not have enough proof of my identity. I sent the otherletter, following all directions. On XX/XX/XXXX, a letter was sent to me, with a generic response, saying that the reports were made. However, in contact with the Experian agency, I was informed thatthere is no XXXX XXXX report in my name.
Consumer complaint received 2020-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ARVEST BANK GROUP, INC. (OK)

Hello, My compliment is about unfair and invalid two fees were charged from my account. my bank account with Arvest is " Free Blue '' without overdraft service protection. 
The transactions are : XX/XX/2020 MEMO CREATED BY NSF SUPPORT : {$17.00} MEMO CREATED BY NSF SUPPORT : {$17.00} I don't know why I have been charged those fees, I tried my best to solve this problem with the bank, but the staff were very hard and not understandable, and very rude with me. Every one of the staff trying to told me this is our policy and we have to follow, and I'm not sure why they did not tell me that before when I opened my account. That's so unfair from a Bank company.
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

A few weeks back, when I logged into my Citi XXXX points center ( XXXX ), I found that the total balance of the XXXX points is less than what I remembered a few months ago. However, after checking the point history, I could not find any point deduction activities listed. That's when I called the Citi bank customer service and asked for an clarification. I have waited a long time on the call and the customer service eventually came back and mentioned to me that XXXX XXXX  points ( which equals to ~ {$1600.00} in travel credits ) were forfeited from my account. However, she couldn't find the reason behind it and asked me to call back in a few business days. I did call again today and wait a long time before the customer service told me that he still does not have an answer, and the original request seems to be closed? I was so frustrated since this is a large chunk of points which I have accumulated over the years. I have been saving it so I can use them when I need it. Since he mentioned if I have closed any accounts in the past few months, I did a deep dive into my online account and found that one of my credit card ( ending in XXXX ) was closed 5 months ago ( XX/XX/2020 )! However, I did not request Citi to close any accounts for some time, and received no communication regarding this closure at all! It was in mid- XXXX and just the beginning of the pandemic. Everything was in chaos and I was moving from XXXX to XXXX during that time, which Citi can check in their system for my address change request. I was curious about the timing when Citi closed my account - is it related to the pandemic? I still have a job and was considered risky? What made me frustrated and being deceived is that there was no communication and the only way I found it today was through the communication center inside my online account. This is totally unacceptable, and should not be the way Citi treats its customer. I have been with Citi for 7 years now and never missed a payment. I had that card for more than 5 years and all the XXXX XXXX  points were accumulated one by one when I was trying to save for my dream vacation! I felt so XXXX  and would like citi to reinstate my account ending in XXXX and restitution of all my XXXX  points. Thank you!