davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Several years ago., I got a secured credit card from ORCHARD bank. I had to send them $XXXX  or $XXXX  to get the credit card.  i owe them no money, but they quit sending me an updated card--don't know why--but NEVER RETURNED MY MONEY THAT I SENT TO SECURE THE CARD.  When I called the company to get my secured deposit back, the girl on the line told me that the computer didn't show THAT I HAD EVER HAD A CARD WITH THEM.  Will ypu help me to get my deposit back?  i have tried. This is most unfair for someone then associated with ORCHARD BANK has my money.
Consumer complaint received 2019-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT
Consumer complaint received 2019-12-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

On XX/XX/2019 in the early afternoon I was trying to use my card at a museum for {$9.00} when it was declined several times. When I checked in on the app it said I needed to call them. It was strange they did not call or email me because they have my contact information which has not changed for years ( since the account was opened ). After an unsuccessful resolution with the first person I talked to a supervisor. The supervisor said he could not use my phone number to validate me. I asked why because they have used it for years and it has not changed since opening the account. He asked if I had another number they could use to validate me. I ended up giving them a phone number of a family member and he sent them a validation code. This is very strange and completely insecure that Citi Bank allowed a number I have no control of to validate me. This is a HUGE warning of major privacy and security holes in their protocols for validating. My account could have been hijacked and still could. They did not attempt to contact me in any way when they sensed a problem ; not a call, email, or a code through the app installed on my phone. The supervisor could not ( or would not ) explain why they allowed a number never associated with my account to validate me. I guess I am lucky I have a good relationship with my family. He also never would explain why there was a problem in the first place. 
It is shocking Citi Bank do not offer software Time-Based-Tokens 2-Factor-Authentication which is the standard for high security web based authentication.
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (NJ)

This is in reference to my EPPICard from the State of NJ for Child Support Benefit. The card is issued by XXXX XXXX  pursuant to license by XXXX XXXX. On Sunday XX/XX/2019, I was able to use my card in XXXX PA with no problems. On Monday XX/XX/2019, I attempted to add funds to my son 's lunch account through an online system using the card and the card was declined twice. 
On Tuesday XX/XX/2019, I attempted to make a purchase at the grocery store, and the card was again declined. 
At this point, knowing that there are funds on the card, I tried logging into my EppiCard online account via the website to see what was going on, and received a message that my card was suspended for fraud, that I would be unable to access my online account, and that I needed to call customer service. Prior to this, I had received NO notice from the company that my account had been compromised or was being suspended. 
I immediately called customer service, was routed to the fraud department, and proceeded to wait on queue for 1 hour and 47 minutes before a representative picked up. He asked my name, my social security number and asked when the last time I accessed the account at an ATM. I told him that I don't access the ATM that often, but I remember taking out {$20.00} from the convenient store near my house on Friday XX/XX/2019. He immediately said " I'm not able to verify any of that information, so I'm going to need you to send me documents proving that you are the account holder, like a Drivers License. You have a drivers license, right? '' to which I replied " um, yes.. '' I was a bit stunned at his rudeness. 
I asked the man " I'm not understanding what's going on, and why you aren't able to verify any of my information. Can I please speak to a supervisor? I waited on hold for almost 2 hours, and I do not want to mail information and continue to wait. I need to get this resolved ''. 
He said " I know you waited, but what does that have to do with your account? I can't help you ''. 
I said " Please transfer me to a supervisor. '' He said " I can transfer you to another representative, but they are only going to tell you the same thing that I told you ''. 
Again, I said " Please transfer me to a supervisor so that I can get a resolution today. '' He said " They aren't going to tell you anything different, but I can transfer you to another representative. Yes, that's what I'm going to do. Hold one for one second. ( 5 seconds of silence ). One second. Ok ma'am, I'm transferring you. Goodbye '' and he transferred me back into the queue. 
I waited in queue for another 1 hour and 20 minutes, someone answered the phone, and then disconnected the call. 
Now, Wednesday XX/XX/2019, I am attempting to call again. 
I have already been in queue for over 40 minutes and the department has only been open for an hour.
Consumer complaint received 2019-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: STATE FARM BANK, FSB (WI)

I received a 2 pieces of mail sent to my home address dated XX/XX/19 from State Farm Bank with whom I have never done business with and do not intend to. Mail received said I had opened and deposited {$2500.00} into a checking account with State Farm Bank which was not authorized by me.Unauthorized checks were printed and delivered for this account. I had not had any contact with this bank. I do not have any other accounts with this bank. I do not have a signature card with this bank. 

Received letter dated XX/XX/19 from State Farm Bank stating that address on the account has changed. New address is for another family member. Asked family member about this and family member is stating the bank made a mistake. 

Contacted State Farm Bank on XX/XX/19 by phone using the number listed on mail received. Bank representative stated that the checking account is in the name of the family member that the address was changed to. I asked how this account was put in my name and was placed on hold. Bank representative was not coming back to talk to me so I ended the call
Consumer complaint received 2019-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (CA)

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-12-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Newman, Mathis, Brady & Spedale (LA)

I received a letter regarding a garnishment for XXXX XXXX XXXX (Newman, Mathis, Brady & Spedale) in the amount of $XXXX from my employer. This letter was also received on XX/XX/2019 and no form of prior validation was sent before this letting me know if I owed anything. Any past debts with XXXX XXXX XXXX has been settled. This was an illegal and unwarranted debt. This debt has been paid in full in the amount of $XXXX. This includes the original debt of $XXXX plus fees.   I have sent correspondence to Newman, Mathis, Brady & Spedale requesting an immediate halt of the garnishment as this is not legal and I have contacted my lawyer. When I contacted the law firm Newman, Mathis, Brady & Spedale, they then mentioned it only $XXXX. So with no initial letter stating I owe anything and then changing the amount, I think this is unwarranted debt and I do not owe anything since the case was closed.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2023-05-24
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-12-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (MS)

I refinanced my loan in XX/XX/XXXX I transferred my escrow to pay for the insurance that was due in XX/XX/XXXX.  Loandepot failed to pay the insurance and insurance was canceled. I was on the phone with insurance company and Loandepot for four months as the kept telling me it was paid and I could see it hadn’t been.  The insurance was finally paid for in XXXX and I personally had to pay XXXX in fines and taxes before they would reinstate the policy. I have attempted to resolve this issue but they keep telling me that they sent me the overage in escrow to cover that. That was already my money. I feel Loandepot owes me that money as they failed to pay insurance on time.
Consumer complaint received 2019-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

I opened a premier checking account with HSBC US on XX/XX/XXXX. Hsbc had a welcome bonus  offer on their  website of $XXXX  if you open the checking account and receive a direct deposit of $XXXX   monthly   within the first 90 day of opening the account. the terms stated that the deposit will be deposited to my account within 8 weeks after meeting the requirements. I met the requirements in XX/XX/XXXX, so i should've received the welcome bonus in XX/XX/XXXX. I called HsBC 2 times and i also send them a message. The message i sent I received no response for. The calls both reps i spoke with they tell me will do an investigation and will call you back. I asked for a case number, but that was not provided and they told me we don't have a case number. Both reps never call me back. the welcome offer i signed up for is simeler to this one: https://www.us.hsbc.com/checking-accounts/campaigns/offers/
Consumer complaint received 2019-12-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (NC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BofA received $XXXX and $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19.  Bank of America changed the normal minimum payment from $XXXX a month to a predatory, hateful, discriminatory minimum payment of $XXXX and I wasn’t going to make the $XXXX payment which violated the contract.XXXX XXXX to XXXX XXXX - CFPB conducted an investigation and $XXXX was made XX/XX/19. Bank of America wants $XXXX as a minimum payment and reported my payment as late.The minimum payment of $XXXX is predatory and violates federal law. I am a XXXX  Veteran and BofA is taking advantage of me. I have never had a negative mark in years and Bank of America emotionally retaliated and put a negative mark on my credit report which has now prevented me from obtaining a business loan and housing for my family. This  company has purposefully brought harm to my children and impacted our livelihood.XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LCI Acquisition Inc. (IL)

XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2023-02-24
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. (KY)

After taking a friends advice and reading the FCRA, I noticed that the furnishing companies were in violation of my federally protected consumer rights. The list of accounts I have below have also been attached in my FTC Report. The section of the violations fall under consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : ACCOUNT NUMBER : XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX 15 USC 1681 section 602  A states I have a right to privacy. 

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) states 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 2019-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Linebarger Goggan Blair & Sampson LLP (AR)

ILLINOIS DEPT OF REVENUE KEEPS RECYCLING TAX DEBT OUTSIDE THE S.O.L. EXPIRED AND TAX DEBT DISCHARGED IN BANKRUPTCY XXXX DISCHARGED ON XX/XX/2018. THEY USE XXXX XXXX XXXX AND LINEBARGER, GOGGAN BLAIR & SAMPSON, LLP.
Consumer complaint received 2022-10-03
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)

I reviewed my credit report and noticed someone was using my identity fraudulently. I contacted the credit bureaus and the credit companies, Ive explained that those accounts werent mine and i opened a dispute. The company conducted an investigation but nothing was done to fix the problem.
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Verify This invalidated account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my credit report and noticed someone was using my identity fraudulently. I contacted the credit bureaus and the credit companies, Ive explained that those accounts werent mine and i opened a dispute. The company conducted an investigation but nothing was done to fix the problem.
Consumer complaint received 2023-11-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC (AR)

Back in XXXX of XXXX my wife and I got XXXX XXXX XXXX XXXX XXXX. We were out of work for a long time. We got a XXXX forbearance. Then after that, in XXXX of XXXX we received a VA XXXX modification. It brought our 5.25 % interest rate up to a 6 %, it extended the life of our loan, it tacked on the amount that was accumulated from the XXXX forbearance to the back end of our loan, and it brought our monthly payment of {$1700.00} to {$1400.00}. We signed the contract and XXXX XXXX XXXX confirmed they received it and there was nothing else for us to do. We got transferred to Lakeview LoanCare in XX/XX/XXXX and now they are saying XXXX XXXX never signed the contract and we are being referred to foreclosure. Weve paid {$1400.00} every month on time since XXXX. Every time ive called XXXX, they say they need time to process the paperwork and that im protected and wont go into foreclosure. We have XXXX XXXX children, we cant afford to be homeless. XXXX has confirmed multiple times that theyve received the VA Loan Modification paperwork and that they escalated the claim but nothing ever comes out of it. Then XXXX said XXXX XXXX never signed the VA Loan Modification. Which isnt my fault. We followed up and did everything to ensure it was all okay. I call every month multiple times and I get the same answer. Then I got something in the mail that stated if we didnt pay {$950.00} more on top of our normal payment within 10 days, our house would go into foreclosure. I am so frustrated.