davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-21
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. (TX)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

A well-known debt buyer by the name of XXXX XXXX XXXX XXXX XXXX has XXXX to verify the furnished accounts on my credit report as 100 % accurate. 
I have asked for validation of this debt from the original creditor with my signature and submitted a copy of my credit report. I was not provided any supporting documents that proved that the information on my credit report was 100 % accurate. They are wrongfully keeping this inaccurate, unverified, and negative information on my credit report and causing harm to my livelihood as a consumer. This company and the bureaus are taking advantage and violating my rights as a consumer in accordance with the Fair Credit Reporting Act. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the original creditor information is missing, the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under : 15 U.S.C. 1681 Section 602 A : States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Also, the Credit Bureaus have been taking more than 30 days to complete my investigation. 

Here are my supporting documents : Data Breach reported on my XXXX XXXX FTC XXXX number that I submitted back in XXXX of 2020 [ XXXX ] My credit report Furnisher 's Response
Consumer complaint received 2022-05-21
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 (GA)

On XX/XX/XXXX I entered into a settlement agreement with Bank of America regarding Account # XXXX for a balance they claimed I owed them. This settlement agreement resolved all claims against me and any claims I had against Bank of America. 

On XX/XX/XXXX Bank of America submitted information to XXXX XXXX and XXXX XXXX claiming that my account was closed due to Checking Account Fraud. They also reported that the account as of XX/XX/XXXX was unpaid. 

On XX/XX/XXXX, I attempted to open XXXX checking accounts XXXX XXXX XXXX and XXXX Bank and was denied a checking account based on the information reported by Bank of America to XXXX XXXX  and XXXX XXXX. 

Bank of America is no longer acting in good faith or under the terms and conditions of the Settlement Agreement we finalized on XX/XX/XXXX. 

Bank of America 's errors has caused me adverse actions ; I was denied XXXX checking account opportunities and the opportunity to establish a new relationship with another financial institution. Bank of America 's actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. 

Bank of America never provided me the opportunity to engage their claims that my account was considered checking account fraud. I never committed checking account fraud. I used the account for personal purchases. 

Finally, I believe Bank of America 's actions toward me are malicious, deliberate, and well defined against XXXX American consumers who seek to pursue justice in a court of law and their actions violates my rights under the Fair Credit Reporting Act
Consumer complaint received 2022-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prince Parker & Associates (SC)

Received multiple calls from company stating I had an outstanding balance after card on file no longer processed payments monthly. Initially I rceieved no letter informing me the company had taken over my medical debt or given me an option to dispute within first 5 days. After sending a letter of validation they failed to respond back within the 30 day time period. I have both letters and reciepts showing time stamps of the 30 day response window.
Consumer complaint received 2022-05-21
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with the fair credit Reporting Act, the following companies below has violated my rights. 
XXXX. XXXX XXXX  Account # : XXXX XXXX. CAPITAL ONE Account # : XXXX XXXX. XXXX Account # : XXXX 15 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

On XXXX XXXX, 2017 I filed a complaint against the credit bureaus concerning 2 public records on my credit file. The information is inaccurate and I request it to be verified but they were unable to and remove them, however they show back up on my credit report the following week which hurts my FICO score even more. These public records can not be verified and I request they be removed immediately. Under new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not udated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/2022 my debit card was stolen by a stranger. This was something I was made aware of by a fraud alert that came they via text message from Capitol One 360. I replied " no '' to the charge. Called the bank hours later after noticing several charges that I had not made. The CSR told me that I would need to call back once charges were processed. He told me some may fall off because they were flagged but we had to wait and see. This is normal for Capital One bank. The day the charges posted I contacted Capital one and reported the fraud charges. They credited my account pending the investigation. On XX/XX/XXXX I received the denial. Stating my card was used after the reporting. Which is untrue. They would not tell me what charges were made on my card. They said no appeal will be allowed. No need to try and reopen the claim. They sent me the investigation but it didn't show which charge they claim was made using my card with my pin number. All these charges were not pin number charges. They were credit. I use my card as a debit card the majority of the time. My card was locked once I responded to the text. The first CSR also showed other square charges that were attempted but denied due to them being fraudulent. I just want my money back. 
XXXX 's {$52.00} XXXX {$99.00} XXXX XXXX {$56.00} XXXX XXXX XXXX XXXX {$100.00}
Consumer complaint received 2022-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING.
Consumer complaint received 2022-05-21
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states i have right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose Name : XXXX XXXX XXXX : XX/XX/1989 Last XXXX : XXXX
Consumer complaint received 2019-07-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal Credit Union blocked access to my debit card when I was away from home attempting to purchase food items. I called to get clarity why my card was blocked and was told I must physically appear at one of their branches to get it unblocked. I stated their branches are eight hours driving distance away from my home and I can not drive said distance due to being XXXX and elderly. On Friday XX/XX/2019 I called Navy Federal Credit Union and spoke with someone named XXXX in security and a supervisor named XXXX asking both to close said accounts because I opened said accounts over the telephone and I will close those accounts the same way. He stated that it's not feasible ; therefore I'm turning to The Consumer Financial Protection Bureau to force Navy Federal Credit Union to use a ethical, fair, and reasonable methodical approach and close my checking and savings account. For medical and safety reasons it is in my best interest not to have any more dealings with Navy Federal Credit Union. Please expeditiously remit the refund payment sum total of XXXX XXXX Dollars { {$230.00} } to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX
Consumer complaint received 2019-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (TX)

Been receiving emails from XXXX XXXX claiming to be with True Accord stating that I owe XXXX XXXX {$420.00} and I can settle for {$330.00}. I looked up XXXX XXXX and they finance Horse Trailers. I live in an apartment complex. Please see attachments.
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC. (GA)

On XX/XX/2022 I applied online to Ally Bank for a checking account. 

I believe I was discriminated against by Aly Bank because I am an XXXX American XXXX 

I was denied the opportunity to open a checking account because of erroneous information in the Early Warning reporting system. 

I know banks have discretion because I was able to open a checking account at XXXX XXXX XXXX Bank on XX/XX/2022. XXXX XXXX XXXX Bank also received a notice from XXXX XXXX regarding my previous banking history. However, XXXX XXXX XXXXXXXX XXXX based their decision to open the checking account on my previous banking relationship. They offered me a second chance checking account that actually exceeds my needs. Perhaps XXXX XXXX should consider other product offerings including but not limited to second chance checking.
Consumer complaint received 2022-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC (TN)

I have been a victim of identity theft on XX/XX/2022 I received a letter in the mail from XXXX XXXX concerning an account I did not open with them. This letter says that I'm being held accountable for an account I did not open. This letter basically states that an email address that was used to open the account was mine. This is not accurate. During the investigation period, no contact with me was made and any attempts made by me to call XXXX have ended with them hanging up on me. When I filed a police report and an FTC identity theft affidavit and sent the complaint, XXXX sold this account to a collection agency immediately. I received notification this account was sold to CKS Financial who is now trying to collect a debt from me I do not owe. in violation of the FCRA. as well as the fair and accurate credit transactions act. I have filed a complaint with the office of the comptroller regarding XXXXXXXX XXXX  as well. I'm at the mercy of the CFPB to step in and enforce the laws intended to protect consumers from identity theft I have exhausted all available options I'm able to do myself.
Consumer complaint received 2022-05-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service Company, INC (CO)

I have disputed a collection that is being reported by Credit services. This collector unlawfully increased the amount of a medical debt with punitive fees and interest charges. Credit Service responded with a response ( which I have included the entire response in the attachments ) that " Your accounts are showing a current balance due of {$3700.00}, which includes an accrual of interest. '' I have also included the documents they provided which show an original amount of {$2600.00}. Which I was charged the It is unlawful to add over {$1100.00} in interest and fees to a MEDICAL bill to which they still have not provided me any proof that I legally owe them this money. The original documents from the original provider does not include any interest or fees, nor does it state that I am responsible to pay Credit Service, nor did they provide me with a signed HIPAA release form. Which now they have violated over XXXX FCRALaws, FDCPA and HIPAA LAWS.
Consumer complaint received 2019-09-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Creditmax Collection Agency, Inc. d/b/a Creditmax, Inc. (IN)

CreditMax unlawfully/fraudulently accessed my personal credit information from a car dealership. Using this information to perpetrate the fraud of a loan which was NEVER paid. CreditMax then fraudulently collected on unpaid fraudulent loan by garnishing XXXX dollars from complainant.
Consumer complaint received 2019-09-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OR)

I have asked to be able to be removed from the requirement to pay PMI insurance on my mortgage, as I more than meet the threshold requirements of equity to debt. I have requested in writing to Ditech for this to occur, they replied that I am unable to be removed from PMI until the 11 years have transpired. Is there any other remedy for this situation? I thought the rules were that it was until I reached the equity threshold OR then11 years were reached not and or both.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX reporting to Transunion . 15 U.S. Code 1681b ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. I have never provided written permission for such accounts to be reported on my consumer report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Transunion ) if the person knows or has reasonable cause to believe that the information is inaccurate. Furthermore, 15 USC 6802 ( b ) ( 1 ) ( B ) states the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I have never received any form of notice to opt-out of my nonpublic personal information to be shared with unaffiliated third parties. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2023-03-06
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. (TX)

XXXX XXXX is reporting a repossession on my credit reports that is inaccurate. The information regarding this reported account is verifying inconsistent information between each bureau and is reporting inaccurate information. The reporting balance they say I owe is invalid, as well as the last reported date of payment and activity on this account. If all of the credit bureaus receive their information from the same place, how are they all reporting inaccurate and inconsistent information? It is illegal for the consumer reporting agencies to not conduct a full and proper investigations regarding disputes and it is their responsibility to verify and report ACCURATE information on a consumers report. I am requesting that this account is deleted from my credit reports now!
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OK)

I reported that my card was charged for something while I was at work. The charge was XXXX miles away from my location at that time. I provided my schedule, screen shots of the location. Chime still refuses to reimburse my XXXX. I have spoken with my local police department who is advising that they have taken multiple reports these past XXXX weeks of chime customers who disputes are being denied and thinks that chime may be covering up a data breach.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Atlanticus Services Corporation (SC)

I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. 

The company sent me a " Notice of Right to Cure '' that only stated the alleged amount they claim that I owe. 

I then sent a second letter via certified mail to the company requesting that the company cease harassment, and the reporting of unverified, invalidated inaccuracies. 

The company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. Most recently, the company also reported to the credit bureaus that my account has been closed at my request, which is completely false. 

The company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.
Consumer complaint received 2022-05-21
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. (TX)

equifax credit bureau will not delete veridian auto loan off my credit report, XXXX and XXXX both have. The debt is paid, its XXXX XXXX XXXX and yet equifax still has it on my report. I have sent several letters to them and they will not respond.
Consumer complaint received 2022-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

XXXX was XXXX it was removed from my XXXX XXXX and XXXX  credit reports and Ive sent supporting documents showing the removal of this account from my credit report and it was still not removed from my report hurting my score each day that this collection is on my credit report XXXX
Consumer complaint received 2022-05-21
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. (TX)

In accordance with the Fair Credit Report act XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX has violated my rights.

-15 U.S.C 1681 section 602 A. States that I have a right to privacy.

- 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2022-05-21
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX have violated my rights . 

-15 U.S.C 1681 section 602 A. States that I have a right to privacy.

- 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (IN)

OMG... I have been with NETSPEND for XXXX yrs. 1st off that's why I haven't Changed banks. Well Our home was being foreclosed on, My Husband XXXX XXXX XXXX XXXX Received a letter on a federal housing authoritXXXX Heading ( HUD ) to be exact. In our desperation to save our home we hired the " Federal Housing Attourney " that they said they were. Well Gave them XXXX $ in XXXX XXXX XXXX $ in XXXX we had court date XXXX called to ask if our Attorney would be there ( premier legal services ) & was told they aren't Attourney s. So I fired them & told NetSpend they are fraudulent & misrepresenting themselves... Also said Do Not let them take anymore $ well XX/XX/22 they took another XXXX $!? I DISPUTED all charges and got my 1st response Not FRAUD? HOW?