davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MO)

Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) XXXX out the balance on this account Delete the account from all consumer reports Your company can not purchase this alleged debt. However, you can not purchase my information. You are infringing on my right to privacy which is a federal violation. I have the resources to take this as far as needed. I will not hesitate to sue if this is not resolved.Your company also did not send any information regarding this alleged debt to me which is also a violation. Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (NY)

EXPERIAN CREDIT REPORTING COMPANY... 
XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX  ACCOUNT # 1887 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 with out my written instructions. 

15 U.S.C 1681c. ( A ) ( 5 ) section states : No consumer report containing any of the following items of information, Any other adverse item information, other than records of conviction crimes which antedates the report by more 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX, Experian, & XXXX are continuing to report incorrect information on my consumer reports. Under federal law consumer agencies are required to maintain 100 % accuracy and in this case they are not. There are several name variations and address that are incorrect and should be immediately deleted. 

My name is XXXX XXXX there should be no other names listed on my consumer report or aliases. 

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 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WI)

I have Navient for a servicer. In XX/XX/2016 I contacted them to apply for the Non-Profit Loan forgiveness program. I was told I did not qualify for the RePAYE program ( income driven ) to pay the loan down within the 10 year non profit forgiveness program, when in fact I was eligible and qualified. A year has passed now and if I want to get on the program my payment will now be considerably larger and I have lost 1.5 of the 10 years of qualified non profit employment. I even went to studentloans.gov where it stated I was eligible bur Navient refused.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Out of a sudden, BECU sent me emails saying that my accounts had been suspended specially the service with XXXX. 
All my 6 accounts were suspended then I called them and had been informed that one of the guys in the last few days filed for a fraud for one of the transfers which is XXXX XXXX 
I told them that I guess but not sure if he bought something but it could be relevant to crypto or so because I am not sure about his name then I double checked and told them that he wasn't since then. They told me that my accounts will go for investigation and since this moment my accounts all are in investigation more than a month. 
Whenever I call to check what the investigation status is, they turn to be rude and aggressive and keep saying they are still running and investigation even when they assured that it won't take more than 10 days. 
My balance on these accounts are held and there is no information if they are going to release or not. so they literally took it.
Consumer complaint received 2023-02-19
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. (WI)

in accordance with the fair reporting act XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (NC)

XX/XX/2022 XXXX issued me a refund for some reason my bank Tusit posted it Friday night the post was gone I have called 3 times no one seem to know where the money is at. They keep telling me they have no record of it.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: U.S. BANCORP (DC)

This item came back as belonging to me. I paid off this credit card and its showing I owe a balance of {$180.00} and charge-off. I have attached my last statement where it show 's {$0.00} this account never went into a charge-off status. Please remove from my credit reports.
Consumer complaint received 2023-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capitol One Credit Card continues to mail pre-approved credit card applications to my daughter at an apartment address I left in XX/XX/2019. 

My daughter never lived at that address. 

Yet they continue to send her pre-approved credit card applications. As many transients as there are at apartment complexes, I can only imagine it's only a matter of time before someone takes advantage of an opportunity to abuse her credit. 

We have submitted change of address with USPS.

We are on the national no marketing list.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AL)

My identity was stolen that resulted in a XXXX account being opened for {$140.00} that closed. A bankruptcy thats on my credit file submitted by another company.The court i filed with stated that they do not share that information with the credit bureaus.
Consumer complaint received 2017-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (GA)

This letter is regarding account # XXXXXXXXX, which you claim I owe {$170.00}. This is a formal notice that your claim is disputed.
<P/>
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
<P/>
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,   XXXX   and  XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
<P/>
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
<P/>
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
<P/>
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
<P/>
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
<P/>
Sincerely,   XXXX   XXXX
Consumer complaint received 2023-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that have been listed on my credit report. The accounts in question are as follows : XXXX XXXXXXXX late payment account XXXX XXXX XXXXXXXX late payment account XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX PA ) XXXX collection account XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) collection account XXXX XXXX XXXX XXXXXXXX charge off account XXXX XXXX XXXX charge off account XXXX XXXXXXXX charge off account XXXX ( Original Creditor : XXXX ) XXXX collection account XXXX  ( Original Creditor : XXXX ) XXXX collection account XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account I dispute these accounts as they are inaccurate and do not belong to me. I have reviewed my credit report and have found that these accounts do not reflect my payment history or credit behavior. I believe these accounts were reported in error and should be removed from my credit report. 

Furthermore, I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ) Section 609. Under this law, I am entitled to receive a copy of any information in my credit file. I request that you provide me with a copy of the documentation that supports the validity of these accounts, including the name and contact information of the original creditor. 

If the accounts can not be verified, I request that they be removed from my credit report. I also request that you inform me in writing of the outcome of your investigation, and that you send me an updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

It has come to my attention that you DISCOVER PERSONAL LOAN ( Person ) are reporting my transactions with your company to the consumer report. You DISCOVER PERSONAL LOAN ( Person ) have reported a transaction on account ending in on this day XXXX, XXXX XX/XX/XXXX between I XXXX XXXX the Consumer ) and yourself DISCOVER PERSONAL LOAN ( Person ) and according to the Fair Credit Reporting Act 15 U.S. Code 1681a.

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; The term in the consumer report does not include reports containing information solely as to transactions. The transaction history between myself XXXX XXXX the ( Consumer ) and you DISCOVER PERSONAL LOAN ( Person ) is excluded from the consumer report.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2023 I received a notification stating that an " XXXX XXXX XXXX '' ran my credit resulting in an unauthorized inquiry on all 3 credit bureaus TRANSUNION, XXXX and XXXX. I contacted all 3 bureaus and requested that they remove the unauthorized inquiries from my report due to fraudulent activity. I have also sent them my FTC report along with my dispute and they refuse to remove the inquiry from my credit report. The letters were sent on XXXX and it is now 30 days past and the inquiry has still not been removed from my credit report.
Consumer complaint received 2023-06-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (FL)

This company is sending text messages that. I never consent This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX XXXX. We look forward to assisting you. Please call us @ XXXX or to self-service, please visit sms.ccspayment.com. Reference File # XXXX. To opt out, reply STOP.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Beginning XX/XX/XXXX of this year, it has been nothing but a nightmare with Bank of America. I had some fraud on my account and filed a police report. First of all, they did not send any kind of transaction fraud alert to my phone. There was a wire transfer of {$13000.00} done on XX/XX/XXXX. It was transferred to a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Come to find out XXXX  is a victim as well of this fraud ring as the account was never opened by her. Then other charges were incurred on XX/XX/XXXX for cash app for {$25.00}, {$50.00}, {$75.00}, & {$190.00}. There was also a charge incurred from the bank as a wire transfer fee of {$1000.00}. I filed numerous claims with them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. They each were denied. Stating that it was my fault basically that these people scammed me. As we are elderly in the eyes of the law, my husband being XXXX and I, myself, being XXXX that is a big deal in the XXXX of Texas. I have had m daughter working on this since it happened. XXXX  has filed reports with our local municipality and XXXX  has gone to her attorney seeking help, since BofA does not want to do anything about this. XXXX  has also contacted our local news station XXXX Investigates to try and access some kind of assistance. My husband was a first responder for the XXXX of XXXX for many years and did not work all that time to make sure we were secure in our retirement for a bank that we have banked with since XXXX just to shrug us off like we are nothing. I am pretty sure that there are others out there that do not have what we have that are getting scammed the same way we have. So I am begging for your help at this point. If you could please help us that would awesome. As we have exhausted all of our avenues at this point. Quite frankly, no one can believe that BOFA has not resolved this issue in a better fashion then they have. Please advise as to what we need to provide or do at this point. Also, my daughter contacted the DA that prosecutes XXXX XXXX in our county as XXXX  was told to do by her attorney and they informed the detective that is on our case that they would help any way they could, But we have still heard nothing. Thank you for your time.
Consumer complaint received 2017-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC (NE)

Pinnacle/XXXX is reporting to XXXX falsely as an original creditor when in fact they are a collection agency for XXXX. No where in the XXXX report does pinnacle state original creditor is XXXX. They have continued to verify disputes that I have opened with XXXX that they are the original creditor and they are not. XXXX is also reporting payment history, high balance and amount past due which a collection agency is not permitted to do. They also continue to say it 's XXXX doing it when in fact XXXX states pinnacle is reporting the debt this way. They also monthly change the amount owed on the account by XXXX dollar.
Consumer complaint received 2023-08-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

During the XX/XX/XXXX, I had issues with my former insurance provider XXXX resulting in a missed payment for one month. I obtained new insurance the following month with XXXX XXXX. On XX/XX/XXXX, I was sent a letter from Bank of America indicating they would be force placing homeowners insurance due to a lack of coverage. I contacted Bank of America to inform them that I had obtained insurance and there was no need to force place it. The representative indicated they were notified of the insurance obtained but because I missed one month they would be charging it to me and force placing insurance for that month. This is not within the spirit of the regulation. The regulation requiring homeowners to retain homeowners insurance on their property is closely related to safety and soundness of the bank. This spirit of this regulation is to ensure homes do not have lapses in insurance that would result in a loss to the customer or Bank. It does not fit in the spectrum of having XXXX claims or losses and charging a customer for insurance 2 months later. Regardless, I said ok and understood that the force placement of insurance for a month would be charged to me. In XXXX of XXXX, I received the escrow analysis for my mortgage. I was unable to determine why it was increased so much. I contacted Bank of America and the associate said it was for the force placement of insurance. I filed a complaint to have the review the escrow analysis given I was only supposed to be charged for the XXXX month and they already knew I had insurance. I was told I should hear back within XXXX business days. I followed up twice for resolution and the second time ( weeks later in XX/XX/XXXX ) was told that although they knew my insurance was current they were still going force place the insurance ( also not consumer friendly or within the spirit of the regulations ). If they were going to still proceed to force place insurance that they need to make sure to inform XXXX because I had current auto deductions from my account that would need to be stopped. Best practices for financial institutions is to keep the same insurance and continue to pay the premium out of the escrow as to avoid gross costs to the customer by force placing insurance through an outside source. I advised I would not pay Bank of America AND XXXX for insurance. XX/XX/XXXX, my new payment took affect and my auto draft for the insurance continued cause my mortgage to fall behind of which it is currently still behind. I feel this is totally against the purpose of the regulation and is actually a case of disparaging impact as indicated in the XXXX regulation. I am asking that this issue be corrected as soon as possible. 

Thanks.
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Billing disputes — 
Company: Resurgent Capital Services L.P. (PA)

I 've been disputing an account for quite some time low about inaccuration information on my credit report. Showing on my credit report from XXXX XXXX Bank was this account closed on XXXX. However, LNVN Funding who which this collection was sold to is providing inaccurate amounts due. XXXX bank is supposed to be closed with an amount of the credit limit due of {$300.00} or less. I 'm being charged an amount of {$580.00} for no apparent reason or even documentation given the fact.