davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$14000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX BXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Consumer complaint received 2022-12-28
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. (RI)

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. State 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 15 U.S.C 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 2022-11-05
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. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2020-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

After I got my final paycheck from my company, I logged in to my credit card account and tried to make a payment. 

Then I found my account was closed by Citi. 

I was trying to call them, but no one answered the call, I tried to call moreover 20 times.

A few days later, I got the letter from the bank, it showed my account was closed due to " one or more late or returned payments in the past XXXX months ''. 

But since I used the card from 2017, I never missed any payment, but recently I got laid off due to COVID-19 from my company, and the processing of deposit check was delayed, which only caused ONE returned payment. After I got it deposited into my checking account, I already re-made the payment immediately.

But this is really unacceptable that closing my account without ANY notice and even asking. 

At the same time, I have almost XXXX XXXX XXXX on my account, which values at least {$300.00}. But I couldn't even access them, and also no one answered the call from that department. 

I'm really disappointed about the way they did, other banks are taking action when their customers are experiencing a hard time and help us through the special rough time. 

And Citibank did charge me a {$25.00} return payment fee, which is okay and reasonable. But what I can't understand is, they closed my account at this specific hard period even though they already charged me. But at the same time, the US government and other banks issue many acts and waivers to help every people affected.
Consumer complaint received 2020-03-26
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: ONEMAIN FINANCE CORPORATION (TX)

This company, One Main Financial is reporting inaccurate information to the credit reporting agencies. I asked them to investigate and send me proof in accordance of the FCBA I asked them to show me proof of what they are reporting, a signed contract, statements and a detailed billing histories. I sent the first validation request on XX/XX/XXXX and they did not respond at all. I sent another validation demand on XX/XX/XXXX and got a letter from them stating that they believe the reporting is accurate and will not investigate it any longer without sending me any of the proof that is required by Federal Law including a contract, statement or detailed billing history. So, I sent them another demand on XX/XX/XXXX asking them for their response but letting them know I wanted proof in accordance with the FCBA of their  reporting of this account and again asked for a contract, statements or a detailed billing history. They did not respond within 45 days of that letter and continue to report inaccurate information on my credit report. The date open is different on all three bureaus, the date last reported is different on all three bureaus, the date of last activity is inaccurate and completely different on all three bureaus, The payment history is different on all three bureaus. On XX/XX/XXXX I sent them another letter demanding the account be deleted because they did not comply with the Federal Law ( FCBA ) by not sending the required documentation by law, the contract, statements or detailed billing histories and they STILL are reporting inaccurate and incomplete information that can not be verified. I would them to comply with the Federal Law which they have not several times otherwise delete this erroneous information from my credit report immediately.
Consumer complaint received 2020-04-05
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. (VA)

The items listed must be removed from my credit report immediately. They do not belong to me!!! I have filed several complaints I will now file a lawsuit. I was XXXX  during the time these accounts were open the XXXX XXXX XXXX until XX/XX/XXXX. It is IMPOSSIBLE FOR THEM TO BELONG TO ME Account Bal : Opened : 1 ) XXXX/XXXX  {$0.00} XX/XX/XXXX 2 ) XXXX/XXXX  XXXX  {$0.00} XX/XX/XXXX 3 ) XXXX XXXX  XXXX XXXX {$6.00} XX/XX/XXXX 4 ) PXXXX XXXX {$770.00} XX/XX/XXXX
Consumer complaint received 2019-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TN)

On XX/XX/XXXX ocwen loan service sent escrow bill the bill states taxes for XX/XX/XXXX I XXXX XXXX do paid all my taxes to XXXX county tn and all my taxes are paid. I contacted XXXX at XXXX county tax she state ocwen did no paid any taxes for XXXX on XX/XX/XXXX and the statements for XXXX and XXXX have not been bill. I just remodify my mortgage and I do not owe ocwen for taxes .ocwen will not fix the issued.ocwen should be banned and ocwen mortgage license should be suspended in Tennessee and all ocwen mortgage account should be audit and all money return to all customer.
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

The interest rates of the following credit cards are just ridiculous and should be looked upon by Agencies like you. These Companies are practicing USURY. Imagine almost 50 % of what you're paying goes to interest charges alone. With the gov't providing stimulus package to these Companies they should help low income people on their bills by at least reducing the APR, some are charging 22 % others 24 % on purchases and cash advances. These are ridiculous when the Fed has cut the Fed rates at its lowest level. I called each one of them to reduce my APR and they just shunned on me! What if I don't pay them, do they prefer that than help me by reducing interest rates? 
Credit Card Co : Capital One, XXXX XXXX  XXXX, XXXX XXXX, XXXX Card, XXXX XXXXl Credit, Retail Stores : XXXX XXXX and XXXX  You CFPB are too much on Fair and Responsible Lending XXXX, but not going through where the big issues are ... the Interest Rates that these greedy Credit Card Companies/ Retail Store Cards are charging. These are the ones to be looked upon with more scrutiny. Not the Math Models that you develop and ask banks to provide on FRL issues, which are XXXX anyways.
Consumer complaint received 2020-04-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$14000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Consumer complaint received 2022-11-05
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-04-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequoia Financial Services (CA)

MY LAST DISPUTE WAS XXXX .I HAVE SENT NUMEROUS LETTERS ASKING FOR VALIDATION & PROOF OF MY SIGNATURE PLEASE INVESTIGATE THIS MATTER AND REMOVE THESE FROM MY CREDIT REPORT I AM ASKING FOR IMMEDIATE REMOVAL OF NEGATIVE AND INACCURATE INFO ON MY CREDIT REPORT IN VIOLATION OF FAIR CREDIT REPORTING ACT 1681s-2 AND FAIR DEBT COLLECTIONS PRACTICE ACTS PLEASE RESPONED AS SOON AS POSSIBLE WITH PROOF OF MY SIGNATURE FOR THESE CHARGES/ACCOUNTS
Consumer complaint received 2024-01-03
Product: Credit reporting 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 just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

I have not received any responses yet
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

Over a 3 month period ( XXXX XXXX XXXX ) had periodic automated unauthorized charges from various lenders on my personal checking account after having previously negotiated a suspension of payment period through aforementioned lenders as well as requested no transfers or charges be allowed if insufficient funds are available in my checking account through the credit union XXXX Charges and associated nonsufficient fund fees occurred irregardless of attempts to prevent such occurance. All of which led to a XXXX XXXX dollar debt incurring through a combination of unauthorized charges and associated fees. Of which resulted in the suspension of my personal checking account as well as the unlawful seizure of {$1400.00} from my federal and state income tax returns by the credit union. ( Mountain America )
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (NV)

Navy Federal DATE OPENED XXXXXXXX XXXX XXXX  BALANCE {$0.00} ACCOUNT TYPE Credit Card CREDIT LIMIT {$200.00} HIGHEST BALANCE {$140.00} RESPONSIBILITY Individual ACCOUNT DISPUTED Did not open account dispute ID theft
Consumer complaint received 2020-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (FL)

BBVA ( formerly BBVA Compass Bank ) has repeatedly put longer holds on cashier 's checks and outgoing wires from my checking accounts at the bank than what they told me the period would be. BBVA told me that I would have a 5 business day hold on a {$55000.00} third party check when I deposited it on a Friday and the following Friday they told me it would be another 4 days hold for no reason. BBVA has also refused to put a block on ACH payments over {$5000.00} from my business account as instructed over the phone today, XX/XX/2020. I also requested that BBVA order cash in the amount of {$50000.00} so I can have it from my checking account and I was told that they will not give me cash, only a cashier 's check or do an outgoing wire. I have the right to order my funds dispersed in any legal tender and physical Federal Reserve Notes, or cash, is legal tender. BBVA has continuously violated banking laws and abused my consumer rights to manage my own funds in any legal manner I choose. This is an ongoing practice. BBVA also allowed a convicted felon to withdraw {$20000.00} of my money that was stolen from a branch in XXXX, Alabama years ago while the man was still in jail.
Consumer complaint received 2020-03-26
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$320.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$25000.00} XXXX  XXXX {$300.00}
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have sent multiple request to all Experian and XXXX  regarding the removal of addresses that do not belong to me, I have asked them to refer to my Drivers license as well as my local XXXX bill in order to request that all addresses that do not belong to me be removed and permanently deleted from my report. They continue to answer that creditor ( unverified creditors at that ) are reporting this address and thus the will not remove it. How is it possible that an unverified creditor be reporting an address on my report, isn't that a direct violation of my civil rights under the FCRA? Why are credit bureaus allowed to electronically receive this information without proper verification and why are those unverified accounts still there? Who will hold bureaus accountable for their errors? Their loyalty seems to be geared more towards the creditor than towards the consumer and that isn't fair at all.
Consumer complaint received 2020-04-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2020-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (OR)

A debt was owed. It was late. I received collection contact, verified it by going to the creditor 's site who still actually owns the debt, and paid the bill. The bill was acknowledged as paid by the hospital involved and subsequently also _in writing_ but as recently as only roughly two weeks later they continued to file derogatories on my credit reports with all the credit agencies, citing the paid item as unpaid and the item, which was pulled from collection, as still in collection. Contacted the XXXX and filed a complaint but the behavior continued. 

This company seems to lack any basic intent to engage in honest business. If a debt is paid, acknowledged by both them and the creditor, the collection activity, including filing collections with credit agencies, etc. should cease. 

The debt is paid, they can not collect on it twice, it has been acknowledged as paid by all relevant parties. It's not a huge amount and I could let it fall off. It's ruining my credit score which I take to be deliberate even though they have nothing to gain from doing so financially. 

I think they are generally dishonest and incompetent.
Consumer complaint received 2020-03-26
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$320.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$25000.00} XXXX  XXXX {$300.00}