davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I disputed an unrecognized debit card that opened under my name back in XX/XX/XXXX, and no progress has been made from the XXXX  or XXXX. I never visited or purchased at XXXX in person or online since XXXX ( which is verifiable from my transaction history at XXXX the only bank I use ) and I certainly did not open a checking account without linking it to my bank. Very interestingly, this debit card opened around the same time I was told I need to check if I was part of the data breach victims in XXXX. After confirming that I was I immediately reported this fraudulent collection for the sake of correcting my credit score from XXXX 's dispute center. Almost 9 months have passed, I still see no investigation progress from XXXX  or XXXX  and this collection record is affecting my ability to apply for a car loan that I need for day to day commute. I need to correct this collection record from a real identity theft incident that happened almost 2 years ago.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I have been sending letters regarding inaccurate and unknown things on my credit report. To this day over 60-90 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. I have sent proof that items are not being PROPERLY verified and still NOTHING! Section 611 ( a ), it plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted promptly. I demand these account be deleted immediately or I will file for litigation due to the stress and depressive state I have been put in because of this. My information was also impacted by the equifax breach and may have gotten into the hands of the wrong person. These people are being paid to report WRONG, NEGATIVE information on my credit report.
Consumer complaint received 2021-09-28
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: BARCLAYS BANK DELAWARE (TX)

RE : Dispute Barclay XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXXXX I am writing this letter to let you know that I have disputed the information with XXXX XXXX and Barclay Bank remaining on my because it is outdated. I am requesting they be taken off my report because the First Dates of Delinquency on both the Barclay Bank ending in XXXX and XXXX XXXX account # XXXX XXXXXXXX XXXX are XXXX  XXXX as shown on my XXXX, XXXX and XXXX reports dated XXXX  XX/XX/XXXX and XXXX  XX/XX/XXXX ; this is correct The date of first delinquency was XXXX  XX/XX/XXXX, which means the account should be removed XXXX  XX/XX/XXXX. Yet all 3 bureaus All 3 bureaus are listing the date of first delinquency is XXXX  XX/XX/XXXX which is incorrect, and tbureaus have the removal date for these accounts as XXXX  XX/XX/XXXX which is incorrect ; the correct date of removal should show XXXX  XX/XX/XXXX. 

I have requested and disputed this continuosly. But all 3 bureaus keep saying the dispute is settle although the date is wrong. I am requesting assistance in getting these accounts removed from my credit bureau reports based upon the first date of delinquency XXXX  XX/XX/XXXX.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Disputed debt that is being reported to bureaus as inaccurate and requested to validation from bureau and company, company have not sent any sent anything that validates this debt is mine, I have never done any business with the company and nor am I aware of amount they saying is owed. Ask for more verification from them and bureau and its still being reported incorrect and investigation from bureau responding once as verified and that is not correct.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I attempted to get some information validated on my credit report. The credit bureaus have yet to respond to me or validate any of the information i have disputed.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Experian, XXXX and XXXX are reporting some fraudulent account s on my credit report. Here are the list of the fraudulent accounts : DEPT OF EDUCATION/ XXXX : {$4500.00}, {$3500.00}, {$2700.00}, {$2100.00} {$2000.00}, {$1800.00}, {$1000.00}
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX and TranUnion are reporting some fraudulent account s on my credit report. Here are the list of the fraudulent accounts : DEPT OF EDUCATION/ XXXX : {$4500.00}, {$3500.00}, {$2700.00}, {$2100.00} {$2000.00}, {$1800.00}, {$1000.00}
Consumer complaint received 2021-09-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Monday XX/XX/2021 at XXXX I went into the bank to extend the use of my credit and the back denied me the use of my credit by sending me a denial email at XXXX. I spoke to them about TILA and me being the Consumer extending my credit for my personal, family, and household purposes and the bank told me that they dont follow TILA or Regulation Z. I called the bank at XXXX the same day to speak to them again speaking the same with the same denial results. I also told them I wanted to use the instrument I signed to draw against the interest on the instrument to pay them the interest to defer the obligation and they say they know exactly what Im talkn about, but they dont do that. I asked them what a loan was according to the law or at least TILA and they said when they extend credit to me.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Equifax has been contacted dating back to XXXX. Even the data breach at Equifax included me when I entered my ss # last four. I didn't receive compensation eventhough I am a victim of identity theft dating back XXXX. 
I called Equifax about an error teporting of XXXX XXXX XXXX XXXX and has cost me in at least XXXX in loss, opening of new credit, purchase of new vehicle when credit was checked this document from Equifax dated XX/XX/XXXX stated it wasn't being reported but I was told by the bank Equifax was still Reporting the negative account on my credit report not to mention it cost me job opportunities too. I called Equifax too violating my FCRA RIGHTS.
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (VA)

Suntrust rearranged transactions in the checking account to obtain overdraft fees holding deposits and rearranging deposits to gain more fees they also ran transactions through when card was locked and approved transactions that should haehvbeen denied so they could illegally obtain overdraft. Overdraft protections were off
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have a few Fraud accounts I've tried to get resolved with not promising results collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX no one thoroughly investigated the fraud nor removed them Identity theft was filed and asked for items to be removed but was not
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a few Fraud accounts I've tried to get resolved with not promising results collections XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX no one thoroughly investigated the fraud nor removed them Identity theft was filed and asked for items to be removed but was not
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Collection Bureau of America Ltd. (WA)

Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.
Consumer complaint received 2023-03-01
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: SANTANDER HOLDINGS USA, INC. (NY)

I am a Consumer/Natural Person. vou SANTANDER CONSUMER USA INC. are a debt collector identified in the Fair Debt Collection Practices Act pursuant to Title 15 USC 1692a ( 6 ). It has come to my attention and understanding that, has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPAJ.

Pursuant to Title 15 USC 1692c ( c ), I signed a contract financing a used XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, located XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX on XX/XX/XXXX XXXX Salesman name reads House Sales Rep, Mileage reads XXXX, Serial Number XXXX, stock number XXXX, XXXX Number reads XXXX. I was over charged the financed vehicle and was not informed of my right to rescission. As the primary consumer, in order to move on with processing the purchase of the vehicle I required a co-signer with a down payment that met dealerships requirements in order to drive off the lot, which I provided. 

On the contract given to me, such expenses reads, Finance Contract {$24000.00}, Used Vehicle {$31000.00}, Ext. Warranty N/A, Sales Tax {$2800.00}, Dealers Optional Fee For Processing Application For Registration Ration And/Or Certificate Of Title, And For Securing Special Or Distinctive Plates ( If Applicable ). This Is Not A DMV Fee {$75.00} {$75.00}, Plate Fee {$270.00}, Inspection Fee {$37.00}, XXXX Required Tire Recycling Fee ( {$2.00} Per Tire ) N/A, Total Cash Price {$34000.00}, Deposit N/A, Cash On Delivery {$2000.00}, Customer Rebates N/A, Trade N/A, Pay Off Owned N/A, Total XXXX. I gave a down payment of {$2000.00} cash to cover Downpayment To XXXX XXXX XXXX and my Sales receipt titles XXXX XXXX XXXX. 

I also made monthly payments and my vehicle was repossessed on XX/XX/XXXX and sold for {$22000.00}. Santander consumer is currently billing for {$22000.00}, which is the remaining balance of the sold vehicle with no warnings prior to date repossessed. 

I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. I demand per Title 15 USC 1692c ( c ) that you cease all further communication through ALL and ANY MEDIUM except for communication of remedies for consumer, the consumer and natural person, via MAIL ONLY. Pursuant to Title 15 USC 1692c ( c ) ( 2 ), I am invoking specified remedy as the original creditor and demand the following.
Consumer complaint received 2023-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

THIS XXXX XXXX ACCOUNT FOR THE AMOUNT OF {$1200.00} IS AGGRESSIVE FRAUD COMMITTED AGAINST ME. MY PERSONAL INFORMATION IS COMPROMISED WITHOUT MY CONSENT AND BEEN ADDED TO MY CREDIT REPORT WITHOUT PROPER VERIFICATION AND HAS BEEN AFFECTING MY LIFE. MY PERSONAL INFORMATION HAS BEEN ALSO BEEN IN SEVERAL BREACHES LIKE THE XXXX AND XXXX BREACH. 
ACCORDING TO THE FCRA 15USC1681, THIS IS A VIOLATION. IM REQUESTING THAT THIS ACCOUNT BE REMOVED IMMEDIATELY FROM EXPERIAN, XXXX, AND XXXX. 
AS I REPORTED THIS TO THE CFPB AS WELL. ALSO PLEASE UPDATE MY ADDRESS TO ONLY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. ANY OTHER ADDRESSES LISTED ON MY CREDIT PROFILE ARE FRAUDULENT.
Consumer complaint received 2021-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (DE)

I have notified this company that this debt was due to fraudulent activity. I have sent in proof of documentation that my information was breached along with an Identity Theft Affidavit. I have also asked them to send me proof of a contractual obligation bearing my signature. I ask that they delete this from my credit report.
Consumer complaint received 2021-09-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (WI)

RESPA SETTLEMENT PROCEDURES ACT Fairway independent mortgage company, XXXX XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXX  all failed to disclose information on this property, seller 's failed to disclose home repair stating the property was fully renovated and was not, appraisal was fraudulent because the company that we were charged 3 times, closed in XXXX, seller 's owed property taxes in XXXX from XX/XX/XXXX until XX/XX/XXXX and their amount was to be made inform of a cashiers check on XX/XX/XXXX and County treasury office said a check in the amount {$1400.00} was sent in by corelogic escrow company and paid by XXXX XXXX XXXX, and all 5 played a roll in predatory lending, this home after having our home inspection done is not worth the said listing price of {$150000.00}. Sellers told XXXX XXXX XXXX XXXX  that the full renovation was done XX/XX/XXXX after they bought the home 2 months ago for {$35.00} or {$38000.00} without any documentation that shows and supports this. This is misrepresentation in real estate transactions and theft by fraud done by all parties that represented the sellers and Fairway independent mortgage company who failed to protect the borrower, they took advantage of a 1st time homebuyer of the XXXX race and placed a XXXX family in a unsafe and unhealthy home. And committed fraud and abuse of the federal housing administration fha program
Consumer complaint received 2021-09-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CT)

I completed on a house sale in the XXXX and my lawyers bank in the XXXX sent the proceeds to Citibank for credit to my account at XXXX ET when the XXXX was {$1.00} all day. Citibank failed to credit my account until the following day when the XXXX had collapsed t {$1.00} costing me over $ XXXX. They had my money in their account for over 24 hours before crediting to my account. I am asking they backdate the transfer and give me the previous days rate. Their inefficiency has left me materially out of pocket and they refuse to take responsibility despite acknowledging they had the funds all the time. Please tell me this can not be right or legal.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (FL)

TD BANK DAMAGED [ MY ABILITY TO ] USE [ MY ] DEBIT CARD [ ACCOUNT ] BY OBSTRUCTING ACCESS AND TAKING MONEY ( IN ORDER TO INCONVENIENCE, TROUBLE, AND HARASS THE CUSTOMERS PEACE AND TRANQUILITY ). Your submission ( Case number XXXX )
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I asked the two credit report agencies, Transunion and XXXX to investigate this unknown account, XXXX XXXX XXXX XXXX XXXX # XXXX appearing on my credit file. I asked them to furnish me with a contract or agreement bearing my signature to help me determine if this account is fraudulent. They have not provided me with this information. 

Transunion and XXXX did not investigate this this account. These agencies stamped the dispute as accurate with no proof to support their opinion.
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I hereby formally request an appeal to XXXX XXXX, My current Mortgage lender, about the decision to not granted the removal of the PMI from my Loan Mortgage and reconsider approve the removal of the PMI from my Loan Mortgage based on the following factors : 1. The original loan amount of the Mortgage was {$390000.00} 2. The current balance of my loan as of today XXXX XX/XX/XXXX is {$380000.00} 3. The appraisal made to my property on XXXX XXXX by XXXX XXXX at my request was estimated at {$480000.00}. 
4. Putting the current value of my home in perspective with my current loan balance results in an increase of 21 % = {$98000.00} of equity build on my property, which makes my Mortgage loan qualify for the PMI removal currently imposed on my loan. The Federal Homeowners Protection Act gives Homeowners the right to remove PMI from your home loan in two ways. 
you can request the removal of PMI when you reach 80 percent home equity ( which is my exactly my case, or You can get automatic or final PMI termination at specific home equity milestones. 
5. Another two point in my favor is that my mortgage payments are made on time automatically, taking the payments from my checking account at the P.F.C.U. It is my intention to keep it that way during the life of the loan. 
6. Finally, another point of great importance that is worth highlighting is my job stability and service record of 32 years civil services as a federal employee working for the Department of the Defense and with an impeccable record of credit history of 32 years without reflecting any late payment. 

Pentagon Federal Credit Union is the financial institution that currently servicing my loan, I sent numerous email to them ( PMI Mortgage Department ), asking them via email need to speak with a Loan Manager and they never pass me to no ones. All the communication from XX/XX/XXXX until now has been via email ). They said that they speak with the consumer. 

In the hope that the information provided will help you reconsider your decision to now approve the removal of the PMI from my current Loan Mortgage. 
I remain with you very kindly, Mr. XXXX XXXX XXXX email : XXXX XXXX
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CL Holdings LLC (WA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2019-02-02
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. (OH)

I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am XXXX XXXX the following addresses are not mine please delete remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX The following accounts are not accurate : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX I have inquires on my credit that are not authorized and I have filed a police report for the follow inquires 1. XXXX 2.XXXX 3. XXXX XXXX 4.XXXX XXXX XXXX 5. XXXX  / XXXX XXXX XXXX 6. XXXX  XXXX 7. XXXX XXXX I WILL BE SUBMITTING A COMPLIANT TO FTC as well. I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is XXXX DOB XXXX
Consumer complaint received 2019-02-02
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)

I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am XXXX XXXX   the following addresses are not mine please delete remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX The following accounts are not accurate : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have inquires on my credit that are not authorized and I have filed a police report for the follow inquires 1. XXXX 2.XXXX 3. XXXX XXXX 4.XXXX  XXXX XXXX 5. XXXX / XXXX XXXX XXXX 6. XXXX  XXXX 7. XXXX XXXX I WILL BE SUBMITTING A COMPLIANT TO FTC as well. I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is XXXX DOB XXXX