davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-10
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: Advantage Credit, Inc. (FL)

Advantage Credit Inc lock our account. We had to re pull our clients reports which could have resulted in a client score changing. This action also could have resulted in the client not receiving a home loan they had qualified for with the report we had pulled from Advantage Credit Inc. Under no circumstance should we have been locked out and unable to use the reports. I reviewed the XXXX XXXX XXXX standing and  found 12 complaints in the last 12 months. We also reviewed the XXXX reviews and found the same issues where they failed to due diligence to update or give access to lenders or brokers accounts. I am very concerned that this company will hurt a consumer 's ability to obtain a loan in the future.
Consumer complaint received 2019-12-10
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 (GA)

On XX/XX/2019 @ XXXX XXXX, I received a call from XXXX from someome saying they were with CAPITAL ONE and that this was my'final courtesy call to lower my interest rate'.  I JUST GOT MY CAPITAL ONE CHARGE CARD LESS THAN A MONTH AGO and I was never charged any interest!  I haven't even received my first monthly bill report! They then asked for my FULL 9 DIGIT SOCIAL SECURITY CARD # so I KNEW for sure it was a scam/fraud because NO BANK EVER ASKS FOR THE FULL NUMBER!  I hung up and called the number on the back of my card and they verified that number is NOT Capital One and that it was a scam to get personal identity information.  They gave me an email address to report the number/situation to Capital One for abuse reporting and also recommended I report it to you via this form.
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Podium Mortgage Capital LLC (UT)

Pinnacle Capital Mortgage Corp - Servicing On XX/XX/XXXX I submitted a request in writing via certified mail to exercise my federal right to have my PMI removed. I called on the following dates to follow up and on the last call I was told that someone would contact me by the end of XX/XX/2019 and no one has done so to date : Call in dates : XX/XX/2019 ( twice ) call was disconnected XX/XX/2019 XX/XX/2019 It  is now XX/XX/2019 with no contact from the servicing company. Federal law allows for me to make this request and for them to have the  correct information in my file - which remains in error despite my repeated attempts to correct this and my escrow balance. 

Please help
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

It has come to my attention that you are reporting With your company to my consumer report that is illegal according to the fair debt collection practice act Delete those transactions or delete payments from my consumer report Affidavit of business information for credit purposes It is come to my attention that your company and organization Have reported several inaccurate accounts on my business credit profile. According to the fair debt collection practice act, 3rd party creditors must provide Proof and accurate documentation of a contract between a consumer and said company. 
XXXX XXXX XXXX XXXX for the record This company has no agreements with any 3rd party debtors and Majority of consumer debt It's accurate and current please remove all misinformed information from our company consumer credit profile remove all late payments or collection accounts. Update consumer accounts to paid As agreed. Please reflect for the record all XXXX XXXX XXXX XXXXFor the consumer profile of XXXX XXXX XXXX
Consumer complaint received 2020-01-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Acceptance Company (PA)

I have an ongoing case in Pa with XXXX XXXX XXXX XXXX. I had the city closed down and condemn a house i lived in because they refused to fix all the leaks and roof that caved in. House was condemned by the city for being inhabitable to live in. Afterwards i became a victim of a landlord retaliation tactic in which this extreme debt amount was put upon me wrongfully and unlawfully!
Consumer complaint received 2022-10-03
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've filed disputes with the Credit Reporting Agencies regarding the only collection on my consumer report account XXXX XXXX original creditor is XXXX XXXX I requested the collection be investigated because the information is being reported grossly different. XXXX reports that I've never made a payment on time while XXXX reports I've never missed one payment, and TransUnion does not report at all. Under the FCRA all information on my consumer report is suppose to be 100 % accurate, complete and verifiable. So what I don't understand is how a thorough investigation was done when you can clearly see the inaccuracies on my consumer report. I am requesting that the account be deleted due to the inaccuracies. The burden of proof is on them not on me. 

Account XXXX XXXX original creditor XXXX XXXX Please delete account.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

According to the provisions of the Fair Credit Reporting Act this creditor ( XXXX XXXX XXXX XXXX # XXXX ) has violated my rights under 15 USC 1681 Section 602 which states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) states that a Consumer Reporting Agency can not publish an account without my written instructions. The Reporting of Late Payments by this creditor is a violation of 15 USC 1666 ( b ). Pursuant to the above listed FCRA laws this account must be UPDATED to PAANL or DELETED. This account is in violation of ( 3 ) FCRA Laws resulting in inaccurate credit reporting on my consumer report.
Consumer complaint received 2022-10-03
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. (PA)

Can u please delete the " duplicate inquiry request '', thats what XXXX XXXX told me to say in this report. 
Thank you so much. 

XXXX : XXXX XXXX XX/XX/2022 2022
Consumer complaint received 2022-10-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Recovery Solutions, LLC (MI)

On XX/XX/XXXX, I got approved for a credit card/credit from a XXXX XXXX XXXX XXXX XXXX amount of {$1500.00}. I never used the credit that I was approved for or activated the card. The money was never touched. 

On XX/XX/XXXX, I filed a dispute with XXXX regarding the negative debt that the XXXX XXXX XXXX put on my credit, and it was not removed. I than contacted an attorney on XX/XX/XXXX, regarding this matter and a letter was typed up and sent out to the collection agency. I reached back out to the attorney office on XX/XX/XXXX, and they have not received a response from the collection agency.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I wrote to the credit bureaus on XX/XX/22 and XX/XX/22 requesting verification of the late payments on the attached accounts. I am sure I have never been late of this account and requested a detail payment history summary so I can see when payments were received into their system. The bureaus have failed to verify these late payments, but continue to report it. This is a violation of the FCRA.
Consumer complaint received 2020-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

NEGLIGENCE COMPLAINT FOR FIFTH THIRD BANK ON FRAUD CASE - I. XXXX I had my Fifth Third Bank credit card until XX/XX/2019. The card was compromised as from XX/XX/2019 to today. All the transactions in the statement were fraudulent and non authorized. 
Fifth Third Bank was negligent which failed to investigate the Fraud charges as F raud, but ONLY the billing dispute.

Fifth Third Bank declined all the Fraud charges and claimed that it had passed the timeframe, when FRAUD case does not have a timeline to investigate. 

It is the Fifth Third Bank 's negligence to disposition my claim was invalid as it has passed the time frame and I did not have the card with my possession at the event of the Fraud. 

There is NO CHARGE BACK REQUIRED, NO TIMELINE REQUIRED AND ALL MERCHANT RECEIPTS ARE NOT VALID PROOF OF THE PURCHASE IN THIS FRAUD CLAIM. 

The Account Holder did not have the card in possession, all transaction as from XX/XX/2019 to the last date of the purchase were FRAUD.

Please carefully investigate the Fraud claim and it IS NOT the billing dispute. I complained about the negligence position, that the Fifth Third Bank took in this disposition and it is the gross negligence. 

I hope that the Fifth Third Bank can re investigate this case and all transactions in a FRAUD claim, not Billing dispute. 

Thank you.
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I received information from my mortgage lender a week ago that I had a judgement against me. I looked through 6-7 years of mail from storage and I found a letter 2 unopened pieces of unopened mail with no name on it to identify the sender. I opened the letters and found a letter inside from revenue recovery corporation dated XX/XX/XXXX that stated I owed them XXXX, note that their first letter date XX/XX/XXXX did not have the XXXX on it, in regards to XXXX XXXX XXXX, a place I lived from XXXX over Six years ago, now mind you XX/XX/XXXX was the first I heard of this judgement. I proceeded to go to the apartment managers office, then the main office of XXXX, XXXX, XXXX XXXX, then to Wakefield and associates ( recommended by main office ) to no avail, no one could do anything but point at the {$2200.00} and said that I owed them and Wakefield was the collector. I finally went to the XXXX courthouse to get to the bottom of it all and the court gave me the breakdown of the judgement and told me Wakefield has no right to collect this debt and only the court could collect this judgement, Wakefield wasnt represented at all on the civil court case information sheet dated ( XXXX ). It reflected the {$2200.00} not for rent but for damages, they recommended a lawyer. I would like to see Wakefield and associates in XXXX, TN dealt with on trying to collect on a debt that they never owned. I trusted them all the while they never owned the debt, Tennessee statute of limitations is 6 years but unsure if judgements are time barred as well. I want to pay it. Just to the right person or court or company and know why I owe it. No one knows why I owe it.
Consumer complaint received 2020-01-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

On XX/XX/19 we began escrow for the property at XXXX XXXX XXXX XXXX. XXXX CA, XXXX. A home inspection was done by a third-party inspector, XXXX XXXX on XX/XX/19. The inspection showed that the rood needed repairs for missing tiles. There were electrical splice issues found in the attic and the light switches in bedrooms did not work. I requested to my realtor that repairs to the items mentioned previously will need to be repaired before moving in and finalizing escrow. My realtor, XXXX XXXX assured my daughter and me that repairs will be made by the time escrow is closed. We took XXXX XXXX word that repairs would be done by the time escrow was closed and we were moved in. On XX/XX/19 we  closed escrow on the property and became the owners. XXXX did not hand us the key. The key was left hidden in the backyard of the home. Once we got inside we noticed that repairs were not made and found even more damages such as structural cracks on the side of the home and the backyard. The window in the bonus room is cracked and the vent to the fireplace is also inside of the bonus room which raises health and safety hazards. The bonus room is also an illegal add-on which was not listed in the property listing yet the square footage was added to the property listing. The home has been red-tagged by the gas company because the gas valve was broken and causing a leak. There is rain behind the wall in the bonus room, the ceiling also leaking in the bonus and in the garage. This home was purchased under an FHA loan. All of these repairs are unacceptable under an FHA loan. I have reached out to XXXX XXXX XXXX    manager XXXX XXXX at XXXX XXXX XXXX XXXX XXXX and she has been no help to the matter. I only want the repairs to be made and I have been given the run around by XXXX 's team, the lender XXXX XXXX at XXXX XXXX XXXX and the escrow company XXXX XXXX XXXX. I am filing this complaint for help because this was an unfair deal, I would never purchase a home with this many issues. I have attached the closing details to the home in the documents.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

XX/XX/2018 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.
Consumer complaint received 2024-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Preferred Collection and Management, Inc. (FL)

This debt is considered fraud activity from ex husband. My name isnt XXXX XXXX per contract says. Ive had my vehicle stolen in the pass so anything using XXXX XXXX is fraud because my name was changed after that theft activity.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I had an account closed back in XXXX and a check for XXXX first sent to the wrong address. I waited 121 days and had a check reissued. Its now been many days past the issuance date and mailing date and I still have not received the check!! They told me I would again have to wait 121 days!! This is absolute nonsense and Im going to take this bank to small claims if I dont have a proper and final resolution this month!
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (NY)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

This is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX Balance : {$20000.00}
Consumer complaint received 2019-12-10
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: Ad Astra Recovery Services Inc (WA)

I asked this company to properly validate this debt or please remove from my credit. They did not properly investigate the account. I want this inaccurate info removed from my credit.
Consumer complaint received 2019-07-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Circle Internet Financial ()

I have been using the Circle 's cryptocurrency exchange Poloniex since 2016. On XX/XX/XXXX of this year, when logging into my account, I noticed a message saying my account was frozen and I am unable to trade or withdraw any of the assets I have on this account since then. I immediately contacted their support team to inform them. 2 months later and after sending them many emails, the reply from support was that my account was under review and that I should just wait. The problem is that they are not making any progress after sending them many more messages and asking for more details, they just keep telling me the same thing, that my account is still under review ( now 4 months after informing them ). The account holds assets currently worth over XXXX XXXX XXXX dollars. Not being able to trade or withdraw these assets is obviously a big problem. The fact that they could just freeze my account without even bothering to notify me and give me some kind of explanation was shocking to me and I don't understand why it seems like they are not working on clearing this issue. They say they are working on it but I can't imagine that reviewing an account would take so long.
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (IL)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (AZ)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2023-06-07
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)

It is imperative that you take immediate action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing significant distress. I trust that you will prioritize this issue and resolve it in a timely manner.
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (CA)

PLEASE REMOVE RANDOM INQUIRIES REPORTING ON MY CREDIT REPORT WITHIN 4 DAYS XXXX XXXX NA - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX and I am a federally protected consumer. According to the Fair Credit Reporting Act 15 U.S. Code 1681, consumer reporting agencies have a vital role in assembling and evaluating consumer credit and other information on consumers. Reasonable procedures of fairness and accuracy equitable to the consumer. Proper investigations and verification are to be done BEFORE furnishing any information to my consumer report. I have incurred GREAT damage to my person and financial injury. 
You are hereby notified, pursuant to UCC 1-202f. Your prompt attention and response is both requested and required.