davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (RI)

Account opened fraudulent in my name company never fixed problem and pay balance but company but the company continues to report delinquency in the account that was paid with the attempt to remove it and it continues to affect my credit score because they do not stop reporting violating my rights even more
Consumer complaint received 2023-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Resolution Services Inc. (MS)

My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2021-07-12
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. (OH)

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (NY)

I filed a compliant against U.S. Bank in late XXXX XXXX # XXXX XXXX for a hold on my credit card while receiving spam calls. U.S. Bank responded and stated that " on XX/XX/XXXX, we were able to complete the verification process and remove the hold off your account. '' Following U.S. Bank 's response ( attached ), I called the customer service and successfully activated my credit card on XX/XX/XXXX. However, one day later, U.S. Bank closed my account for no reason provided to me. I simply noticed my credit card account dissappeared in my app and called in. I was told that I needed to call XXXX to speak with someone. I called and it turned out to be their " authentication '' department. A rather rude rep simply insisted that I needed to " authenticate '' myself in U.S. Bank branch and then abruptly hung up on me. As a New York State resident, I know that there isn't any U.S. Bank branch in my state, or even in Tri-State area. I verified this via U.S. Bank website. Does U.S. Bank really think I need to fly to Minnesota to " authenticate '' myself? If this is the case, U.S. Bank should not accept any credit card applications from the states where it does not have retail branch, because I am sure no customer will travel by air to their branch to establish their identity. 
As I have other credit cards, I am fine without their credit card. However, I found their practice strange, arbitrary and discriminating. I am writing to let CFPB and the readers know it so that you are aware.
Consumer complaint received 2021-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The company XXXX XXXX XXXX acquired a possible debt older than 8 years of age. Resurrected the file on XX/XX/2018 bringing back to life an expired account. 

This record should be extirpated from file due to status of limitation on collectible debts and legal terms showing up on my report.
Consumer complaint received 2021-07-12
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: Rent Recovery Solutions (GA)

Rent Recovery Solutions is reporting and account on my consumer report in error and they are trying to collect a debt that I do not owe. Rent Recovery Solutions have not provided me the original contract that bears my signature nor have they provided me any contract between them and I that states I owe them a debt. Rent Recovery Solutions have violated multiple sections the FDCPA. They have violated section 805 15 U.S.C. 1692c- Communication in Connection with a debt collection. Rent Recovery Solutions continues to call my phone before XXXX XXXX. which is a violation. I have sent them a cease and desist letter stating that I refuse to pay the debt. They have yet to cease all collection activities. They are still reporting this account to my consumer report, which per court case TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account on a credit report indeed is considered collection activity. They have violated section 806 15 U.S.C. 1692d - Harassment or Abuse. Rent Recovery Solutions has threatened me over the phone and have used profane language towards me which is a violation. They have violated section 807 15 U.S.C. 1962e- False or Misleading representations. Rent Recovery Solutions have gave false representation or implication that they operate or is employed by a consumer reporting agency as defined by section 603 ( f ). I will seek damages under section 813 15 U.S.C. 1692k- Civil Liability for each violation.
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (FL)

I opened an account with TD Bank XX/XX/XXXX. I was supposed to receive a {$300.00} checking account promo after deposit requirements. Deposit of {$2500.00} within 60 days of account opening and promo will be deposited to my account. I have met the requirements as confirmed by many representatives. One XX/XX/XXXX, I spoke with rep name XXXX who spoke with their manager and confirmed again the criteria was met and they submitted an inquiry with the " promo team '' I was told, it will be reviewed and deposited on my account in a week. Called again on XX/XX/XXXX and spoke with rep name XXXX who stated account was noted as me not meeting the requirements asked to speak with a manager and talked to XXXX who also reiterated the same but could not provide the terms and condition.
Consumer complaint received 2021-07-12
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. (NJ)

The following items are inaccurate on my credit report and are causing me stress. I would like them to be removed because these accounts are affecting my credit reporting in a major way and at the same time are costing me thousands of dollars every year. I am listing the inaccurate accounts below and also will be attaching the letters I sent out before filing this complaint. 

1 : XXXX XXXX ACCOUNT NUMBER : XXXX this account is inaccurately reporting to my credit 2 : XXXX XXXX ACCOUNT NUMBER : XXXX This is account is also inaccurately reporting to my credit profile. 
I would also like to add that I have filed a complaint with the federal trade commission and the better business bureau because these accounts are not mine and are reporting to my credit inaccurately causing me stress and money. 
my FTC report # is : XXXX
Consumer complaint received 2021-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (LA)

I paid off : XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX for XXXX XXXX Hospital the majority of medical bills I had except one. I was under the impression that medical bills are not suppose to be a negative strike against the credit score but it has affected my credit score tremendously lower it. 

XXXX XXXX/XXXX paid in full but still showing owed and a negative against my credit score XXXX XXXX paid in full but still showing owed and a negative against my credit score Delenquent Recovery paid in full but still showing owed and a negative against my credit score Navient and the United States Department of Education I am still in school and my student loans are due to be until XX/XX/2026 but it is showing a negative against my credit score ALL THREE CREDIT REPORTING AGENCY ARE CONSISTENTLY LOWERING MY SCORE AS I PAY OFF AND DISPUTE DEBTS!!!!!!
Consumer complaint received 2021-07-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (PA)

I applied to increase my existing HELOC with PNC bank in XXXX. I currently owe them {$30000.00} on the existing account and I sought to raise it to {$300000.00} in order to purchase a new home and sell my current home. They appraised my home at {$680000.00}. I have a balance on my mortgage of {$52000.00}, thus I have a good amount of equity. I also have an investment account worth approximately {$650000.00}. I currently have {$25000.00} in my bank account with PNC which I have had since 1973. My credit rating is XXXX. I retired as an attorney in XXXX and am receiving social security. My husband is still working however because his name is not on the deed, I did not put his name on the application. 
Today, XX/XX/XXXX, I was notified that my application has been denied due to insufficient income and " excessive obligations in relation to income. '' Because my assets are well in excess of the financial obligation I sought, I believe this is discrimination due to age and related employment status.
Consumer complaint received 2021-07-12
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: Velocity Portfolio Group (NJ)

I have these accounts that does not belong to me and i want them to be remove from my credit asap. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-24
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. (MI)

XXXX  XXXX is reporting this closed account as if it is still active and being used today. It has been closed and " charged off '' for years yet they continue to add new reporting dates and balances. This is a scam, and this account is predatory.
Consumer complaint received 2021-03-20
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. (HI)

I sent my first letter to the company complaining about false information on my credit report on XX/XX/XXXX, it has now been well over 30 days and I still haven't received no results. 

Accounts : XXXX  Actions taking credit bureau is taking longer than 30 days.
Consumer complaint received 2021-07-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (DC)

On or about XX/XX/2020, we applied for a 2 % interest rate mortgage to refinance our primary home mortgage with AmeriSave Mortgage Corporation NMLS ID # XXXX. The loan ID or Application # is XXXX. Shortly thereafter, we were informed our rate lock of 2 % with points of XXXX. We submitted all documents requested ( bank statements, payoffs, insurance, etc. ). We paid for an appraisal and loan application. Despite numerous promises, XXXX XXXX Loan Originator NMLS ID # XXXX, and his supervisor, XXXX XXXX, Mortgage Sales Manager Assistant NMLS ID # XXXX, our loan never closed. We have made numerous attempts to get responses but we were ignored and when a response came, it was plagues and that they will move to close the refinance. It has now been over 6 months and, again despite number attempts, we have not gotten any response from AmeriSave. In fact, the number you referenced by Mr. XXXX as his supervisor or contact if he is not available ( XXXX XXXX? sp ) with phone number XXXX ) is a senior living place called XXXX XXXX in XXXX XXXX. This whole process has caused us to miss refinancing our home at favorable terms.
Consumer complaint received 2021-07-23
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. (NC)

I have contacted Equifax numerous times about inquiries on my credit report from dealerships that I didnt authorize to my credit report today I view my credit report and I have 249 inquiries.. Im very upset about this and Im requesting a one time dispute on these inquiries
Consumer complaint received 2021-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC ()

I signed up with Gemini in XX/XX/2021. Since then my account is in a pending verification state. I contacted the support more than 1 time overall possible channels. The website, XXXX, XXXX and even XXXX. No response was given to me to help my situation and explaining what is going on. Because of this large delay, I can't move my {$2800.00} USD out of XXXX. " XXXX XXXX is Proudly Owned by Gemini '' stated on the XXXX XXXX XXXX  It looks like they purposely hold my and people 's funds hostage. 
You can deposit to XXXX and the only way to withdraw is to move the funds to the XXXX Gemini account. When you create the account they don't verify you and hold your money. 

It looks that they do it on purpose to keep the money flow and acquire more users. This is all getting to the point where it looks more like a scum practice to me to steal money. 

I know a group of people who experience the same exact problem and don't know where to go.
Consumer complaint received 2017-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Universal Technical Institute (TX)

I enrolled in schoo l ( UTI ) i n  XXXX  of  1986. B efore classes began I was called to the school financial aide office and was told there was an issue with my financial aide. I was then told that either I had to pay the tuition myself or drop all of my classes. I could not afford the tuition so I dropped all of my classes. I was told that when the situation was resolved they would call me back and I could reenroll in school. I was never contacted by the school again and never attended any classes there. I later found out that I had a student loan. I am protesting this and am asking that this student loan be vacated and erased.   I never used this loan and never received the money, and never attended classes.
Consumer complaint received 2021-03-20
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: Exeter Finance, LLC. (MI)

My daughter is using my name to try and get approved for a car, we share the same birth month and date. she had my credit ran five times in one day. 
XXXX XXXX 2020
Consumer complaint received 2021-03-20
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: AMERICAN EXPRESS COMPANY (TX)

I have disputed American Express charge off on my XXXX  report. I have disputed this countless times and the dates change and is inconsistent. All our personal data was breached by the lack of security of XXXX. We have disputed this charge off for years and there is misrepresentation by American Express and XXXX. We placed a fraud alert right away when we noticed charges and XXXX and American Express are still not doing their part and making this right! You would believe that the largest credit reporting agency would be above all others in ethics and practice ; however, not XXXX. The charge off should have been removed as the other ones have been removed. The victim should never continue to be victimized. Its contrary to the law and humanity.
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Regrettably, Experian has not responded to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in resolving these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report is as follows : XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2000.00} ) - The information indicated on the above account is imprecise. The stated balance of {$2000.00} is higher than my recollection. Additionally, I request the removal of the amount indicated in the Past Due section, as this account has a closed and charged-off status. I intend to communicate with the creditor to clarify the reported data. Until the appropriate corrections are made, I kindly request Experian to mark this account as disputed. 

XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} ) - The above account does not belong to me, and I request Experian to remove the late payment associated with it.
Consumer complaint received 2021-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX  : YOUR FRAUDULENT YOUR SELF! First your responsable for my Data Breech, Then youll open a dispute 1 day and not even give the dispute process a chance and youll close it the next. XXXX : 2 fraudulent accounts with you. XXXX  XXXX it was closed but now its back open, cant do that its ILLEGAL. Another with you XXXX XXXX. XXXX  open in XXXX was closed, XXXX open XXXX closed. But look there, its open again. Ive been victimized by someone or people that have opened banks, credit cards, cell phones, addresses, phone numbers, revolving credit, inquiries, y information is on the Dark Web. As late as XX/XX/XXXX. Someone is ruining my life and continuing on to try. XXXX accounts including bank accounts.XXXX  these inquiries ARE NOT MINE. Im fixing not ruining. XXXX  XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALSO I almost forgot, for you 3 sister companies XXXX  opened XX/XX/XXXX Acct # beginning with the first 6 numbers is all Im provided with, XXXX closed on XX/XX/XXXX for the amount of {$530.00}, Wards, opened XX/XX/XXXX closed XX/XX/XXXX with the amount owing of {$120.00}, and last but not least XXXX XXXX opened on XX/XX/XXXX closed on XX/XX/XXXX with a balance of {$1000.00} all 3 of you companies will be getting thee notification that, and it gives me pleasure, all 3 were closed due to fraudulent charges! TAKE OFF MY CREDIT REPORT! Already. XXXX!!!! XXXX!!!! Do I have your attention, the inquiries are not mine, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION : inquiries not mine XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX MI XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX. I have ALL my reports LOCKED HOW ARE THEY STILL GETTING IN FILE?????
Consumer complaint received 2021-07-12
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc (FL)

XX/XX/XXXX I was refused a manager and told that they were not available I was told that if I sue a company it doesn't matter and won't change anything I was hung up on told not to call back I had only contacted them twice because they hung up on me I was not listened to I was spoke to very condescendingly asked repeatedly whether or not I myself was an attorney and was hung up on a second time even though no abusive language was given from me they have actually upset me to the point where I was crying on the phone still not giving me to the correct manager I was asking for nor trying to fix the problem
Consumer complaint received 2021-07-08
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. (TN)

I have sent documents to prove that I either paid the debts off and sent them letters that the collection agency would have the accounts removed form my credit files in 30 days but they have not updated my file. 
I am attaching letters and bank statement showing that I have done everything to improve my credit by paying off collections accounts and paying off my charge off. 
However the credit agency is reporting the debt was filed in chapter XXXX and that's not the case. 
I have paid off all theses companies XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX and they reporting the wrong pay off amount! Please see letter and my bank statement with what they debit my account for. 

Plus I have dispute a number of hard inquires that I never authorized but no follow up on any of them wish I did before the Cov19. 

Thanks, XXXX XXXX