davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
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: Fidelity National Information Services, Inc. (FNIS) (TN)

On XX/XX/2023, I reached back out to XXXX XXXX XXXX because they are still reporting to both ChexSystems and XXXX XXXX XXXX that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts at a national bank, but is also affecting me in trying to open accounts at local banks and has caused my existing bank ( XXXX XXXX ) to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an account is because of what's being reported to ChexSystems and XXXX XXXX XXXX. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
Consumer complaint received 2019-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (TX)

Hard inquiry was shown on my credit report which I do not owe. I never opened an account with XXXX department store. I am reporting this debt as an identity theft complaint. I have never been contacted by this company and only found out about this until it showed on my credit report.
Consumer complaint received 2019-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (CA)

Capital Accounts LLC is reporting an invalid, fictitious debt on my credit report for close to {$5000.00} without any verification or validation of that debt in violation of the FDCPA, FRCA, Rosenthal Act, and the California FCRA. 

I secured written documentation from the purported underlying debt holder that documents I had never done business with that firm. 

I have absolutely no idea what this debt and have requested verification of the debt from Capital Accounts via certified mail but there has been no reply to me whatsoever again in violation of consumer protection and unfair debt collection laws. 

In addition, I also requested that I only be contacted via mail for debt verification purposes but that I not be contacted for any other reason, including by telephone. Capital Accounts repeatedly called me via telephone on several occasions in violation of the TCPA at {$500.00} per violation. 

Last, I was never sent an initial dunning letter regarding this debt again which is in violation of consumer protection and unfair debt collection laws. 

After I disputed the collection trade line with the CRAs ( XXXX, XXXX  and XXXX ) on multiple occasions, Capital Accounts continued to inaccurately verify this non-existent debt in violation of FCRA, California FCRA, and other consumer protection statutes. 

I intend to sue Capital Accounts for its several violations of federal and state statutes but would also like to request that the CFPB intervene immediately. Given the almost 1,000 complaints against Capital Accounts, I also request that the CFPB refer this matter to the California Attorney Generals Office as well as to other State Attorneys General. I intend to file complaints with the California Attorney General myself as well as to the California Medical Board since this is purportedly related to a medical debt. The medical clinic and doctor can be accountable for these state and federal violations! Hopefully, there will be action taken against the medical license and discipline by the California Medical Board against the doctor!
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: MIB Group, Inc. (SC)

XXXX person abuse. Please review all I have sent. Promise from XXXX XXXX  that nothing will be reported in a picture semt, faxes, and emails to cancel before decision was rendered and the fact I his legal guardian was not present. As per that voided contract cancelation faxes and emails well documented on my end shows we asked to cancel. Contract XXXX XXXX  signed is not valid because he is mentally not capable of making legal decision due to XXXX XXXX. He has servere XXXX and gets lost .You can't hold a contract valid if the person did not understand what he was signing. Whoever is responding to my complaints still is not looking at legal and rights being violated by freely reporting details illegally. I have read all the responses and not all issues are being addressed .Remove the file because the contract is void. Please have your legal team look through this, and XXXX XXXX XXXX President and Chief   Executive Officer MIB Group , Inc. we are not being treated fairly. And could be bad on your company. Threat of being frivolous can be looked at by suit. We don't want to sue. We just want you to look at the whole file. No one is looking at all the facts we want someone higher to look at everything. Please come to your senses.this is XXXX person abuse. I have sent 20 things justify a delete of the file. According to the fair credit reporting act and the contract you keep reminding us about from statefarm. It's common sense that a delete is in order Whoever is responding is not treating this case fairly and unbiasedly. The whole thing has not been addressed. I looked through all responses.
Consumer complaint received 2023-02-11
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. (FL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2023-02-11
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. (FL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (IL)

In XXXX I made a purchase of the software on-line. The software does not work and the developer has not provided license key or activation code. On top of that developer and the Vendor failed to reply to my multiple messages. As a result of this I requested a full refund from HUNTINGTON BANK. I have also delivered copies of Emails sent to the vendor ( Asking for help to resolve th eproblem ). After 2 months investigation I was informed that the case is resolved in my favor. I have also received official phone call confirming the case resolved and closed. 
XXXX after the confirmation I noticed that the Huntington Bank reapplied again the same charges to my account. As an reaction to the SCAM I immediately withdrowed all my funds leavling account at around {$100.00} ballance. After the purchase charges were re-applied, my account shows negative balance. 
In recent years ( after TCF bank became Huntington Bank ) I have nothing but problems with this institution and I am about to close my account. Prior to closing however I demand to correct the situation with the founds. This case should ber classified as SCAM. I officially refuse to pay and ballance or fees related the the transaction in question!
Consumer complaint received 2022-10-17
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XX/XX/XXXX
Consumer complaint received 2023-02-11
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violati my nonta 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 a account without my written instructionS XXXX XXXX XXXXXXXX. 
Closed on XX/XX/XXXX XXXX XXXX Opened XXXX AXXXX 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
Consumer complaint received 2019-09-15
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. (KS)

Student loans was put in with my Chapter XXXX Bankruptcy, because it was on my credit profile as a Debt. Case number XXXX - XXXX United States Bankruptcy Court - District of Kansas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX On XX/XX/XXXX, This case was finalized and CLOSED. How ever, they are still reported on my credit report as " Debt included in or discharged through Bankruptcy Chapter XXXX ''. as negative report. While on other credit reports has updated to " Pay 's account as agreed '' XXXX XXXX XXXX   XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Direct Sub Stattford Loan {$1900.00} XX/XX/XXXX Direct UnSub Stattford Loan   {$3500.00} XX/XX/XXXX Direct Sub Stattford Loan {$1900.00} XX/XX/XXXX Direct UnSub Stattford Loan   {$3600.00} XX/XX/XXXX Direct Sub Stattford Loan {$1900.00} XX/XX/XXXX Direct Unsub Stattford Loan {$3500.00} XX/XX/XXXX Direct Sub Stattford Loan {$3.00}, XXXX
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (MN)

I asked you TWICE to investigate this account you FAILED to do TWICE. You lied to me saying you investigated and there was no error. This account was charged off XX/XX/year>, since then this account has been charged off every month. This FALSE and INACCURATE information MANIPULATES the statute of limitations. 
RE-AGING the account is XXXX.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/2023 I upload my passport and a current bill to show proof of residents and no action was changed on my credit personal profile on credit report. I called XXXX transunion, and XXXX on XX/XX/2023 to correct my personal profile and to please mail in proof of the change and it was not corrected. I am reaching out to you to help me to remove all inaccurate information off of my credit report, and update correct information.
Consumer complaint received 2023-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I tried to pay {$4000.00} rent on XX/XX/19 to my landlord via Venmo. However, my transaction was declined. I tried to call in to Venmo customer support to see if they can authorize the transaction to go through, but they said it was due to their internal automated system and they have no manual override. They then instructed me to break up the payment into smaller payments. I was able to send {$2000.00} successfully before encountering the payment declined error again. Then I realized my entire account was flagged so I can no longer send money to anyone ( I can no longer fulfill requests either ). Since I was on the phone with the customer support person, I asked if they could un-restrict my account but once again they said they have no way to override and I would just have to wait or use a different app. I rely on Venmo for daily transactions and it's unacceptable there is no way to manually override or review accounts/transactions after verifying the owner of the account is trying to make those payments. I've seen other reports that even after waiting years their accounts are still flagged. Clearly, the automated system is faulty.
Consumer complaint received 2023-02-11
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. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ; XXXX XX/XX/2022.
Consumer complaint received 2018-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I spent years paying back all my debt, I received notification of a debt I have no records of, looked through everything and I have no records of having this XXXX  XXXX account, the ones I did have were paid. I received a copy of a statement which again I never once paid XXXX  XXXX a payment on this account I have no records of. I'm requesting full validation, copy of the application, proof of payment on this account, date when last payment was made etc. Again I have no records of ever having this account. Please help assist
Consumer complaint received 2022-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ME)

I joined the XXXX XXXX XXXX in XXXX, directly after XXXX  from high school, and XXXX later, in XXXX, I retired as a XXXX, after an hXXXX XXXX XXXX career. 

As a banking client for 34-years, on XX/XX/XXXX, I received a " surprise '' letter from USAA Federal Savings Bank , informing me that " after careful evaluation, we're sorry to inform you that USAA Federal Savings Bank is exercising its right to no longer do banking business with you pursuant to our Depository Agreement. We are electing to close the following accounts XX/XX/XXXX : Checking account ending in XXXX Savings account ending in XXXX '' I immediately wrote to the bank requesting reconsideration along with the reason for closing my accounts. On XX/XX/XXXX, USAA responded as follows, " On XX/XX/XXXX, you were informed that your checking and savings accounts would be closed. According to the terms and conditions outlined in the Depository Agreement and Disclosures, " We may close your account at any time without advance notice. '' '' In their letter, USAA continued, " We're aware of your continued dissatisfaction with our decision ; however, our position remains unchanged. While we understand this is not the outcome you were seeking, we appreciate the opportunity to review the situation and explain our position. Please be advised that this is our final reply to you about this matter. '' In XX/XX/XXXX, I was informed by USAA that an unknown person was attempting to access my accounts. I informed the bank that I was a victim to identity theft and that my credit reports are currently frozen. Since my ID theft was active, I requested their assistance in identifying the individual trying to access my accounts. I was not provided with any information. Three months later, USAA notified me they were closing my accounts. I believe they have an obligation to protect my identity and as a result, they have failed me in this regard. 

USAA never gave me any reason for which they elected to terminate my long-standing accounts, nor did they " explain their position '' other than this was their final reply. I did not break any laws with USAA, I did not misrepresent them, and I did not do anything to cause them and harm or tortious interference. In fact, over the years, I encouraged my military colleagues to join the bank and its associated entities. 

After my XXXX XXXX  career, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Having my checking and savings accounts taken away from me has exacerbated my XXXX and every time I see the USAA Federal Savings Bank advertisement on the TV, my XXXX  increases significantly. I can not fathom why USAA would terminate my relationship with them, especially after such a long relationship.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: KEYCORP (MN)

Earlier had made a complaint was thought by XXXX XXXX XXXX XXXX call later was against XXXX although do not have complaints for XXXX XXXX XXXX my complaint is for key bank although not against key bank systems or XXXX XXXX my complaint is against a scam by man named XXXX XXXX XXXX said he would give a government loan although he said as well pass code is XXXX later key bank closes my account XXXX asked for 45 day notary republic the cost of paying alln white money for a loan I never acquired afterwards the cost was double original amount for scam I talked to XXXX XXXX of XXXX XXXX with info to had to pay gone to collections amount with key bank gave same info to XXXX XXXX if special investigations to never was compensation same with XXXX XXXX civil rights for list stolen items in wa XXXX California state
Consumer complaint received 2019-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance Collection Service (MS)

I was in the hospital at XXXX XXXX XXXX XXXX for 8 days in the later part of XXXX and the first part of XXXX in 2017. 

Because of my financial situation, I applied for and received charity from XXXX XXXX XXXX XXXX for this hospital stay. I am including the three letters that I received for charity, which includes the amounts and the dates of coverage. 

Last month Alliance Collection Service in XXXX Ms , put 3 collections on my credit report that was from these dates. They are as follows : XXXX XXXX   {$620.00} -- -- -XX/XX/2017 XXXX XXXX {$770.00} -- -- -XX/XX/2017 XXXX XXXX XXXX {$680.00} -- -- -XXXX 2017 I have contacted XXXX   XXXX  and they have referred me to the Medical Billing Office to where the charity dis located, There is not a number for XXXX XXXX XXXX that I can find except for the main hospital phone number. 

I have spoken with XXXX and XXXX/XXXX ( not sure ) at the Medical Bulling Office and have faxed 6 pages showing the collection letter form Alliance and my charity letters. They have been professional and told me that they would contact Alliance, but I have not received any letter confirming this and the charges are still on my report. 

The numbers that I have are : Alliance Collection Service -- XXXX XXXX XXXX -- XXXX Medical Billing Office -- XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 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
Consumer complaint received 2023-02-11
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. (NY)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXX XXXX  XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXF XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Please find the disputed items in my file below
Consumer complaint received 2023-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (LA)

Regions Mortgage is frauding checks to me. they are sending me Escrow Payments from my insurance company for hurricane Ida repairs. Regions had mailed checks twice pay to order of wrong payee. called on XX/XX/XXXX and no response or solution. I'm suspicious they are stealing my money. the current escrow amount is {$240000.00}