davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Every month for the last few months, when I pay the balance of my credit card, Bank Of America adds a " Pending Transaction '' for the Amount that I have paid that falls off after XXXX  days thus locking out my ability to use my credit card. This time, I am on a work trip in FL and need a credit card for Expenses and I can't use my card. 

This is not my only issue. It is a Secured card, I provided bank of America XXXX to secure the XXXX credit Limit when I moved to the US in XXXX 2016. Yes I have now had the card for over XXXX  years and It is STILL Secured. My credit fluctuates as I have been going through a divorce, however I have not missed a payment in the last XXXX years and usually pay the balance off near the end of the month.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} 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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX DISCOVER XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.
Consumer complaint received 2023-07-27
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. (CA)

Upon recently checking my credit report I noticed multiple accounts reporting on my profile that I did not authorize or verify. Section 609 of the FCRA says that before derogatory accounts are placed on your credit a signed letter of verification must be on file. I demand to see said letter of by law these accounts must be removed from my credit within 30 days of the date of this letter. These fraudulent accounts are negatively impacting my credit and my livelihood and I need your immediate assistance with resolving the matter.
Consumer complaint received 2022-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/2022 I authorized a payment over the phone for the amount of {$18000.00} to Truist bank. This amount was my pay off balance, as provided by Truist. The total amount cleared my Savings account with XXXX XXXX XXXX on XX/XX/2022. 

Truist is alleging a " payment reversal '' for the amount of {$18000.00}. The reasoning provided for this reversal is that there was " no account associated with these funds. '' I have sent Truist 's loan department a summary of transactions from my savings account that show the full amount {$18000.00} being cleared from my account. XXXX XXXX XXXX informed me that there is nothing pending on this transaction nor are they seeing a reversal initiated. No one from Truist is able to tell me where my {$18000.00} is. 

My concern is that I am now missing {$18000.00}, and I am further in debt than I was on the date I tried to pay off this loan as it has since accrued interest.
Consumer complaint received 2019-08-07
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. (FL)

I left out the gym around XXXX walked to my car and noticed glass on the ground and my window on the back passenger side broken. I immediately called the police. I checked underneath the passenger side seat which contained my wallet and it was gone along with everything that was inside my drivers license, debit card, credit cards and my social security. I've been fighting fraudulent accounts that has been opened in my name ever since then.
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IA)

I have mortgage through XXXX. I was served foreclose papers and I called them hoping to resolve the issue. I can not refinance my credit is poor due to divorce. Their real estate support team put ne on on program. They said fee was {$1600.00} I paid {$2000.00} THE balance to go to mortgage pmt of XXXX in XXXX of 2015 I pai in XXXX XXXX in XXXX they are calling me telling me I am 3 months behind tried to explain but it 's just a call center and no one knows anything. I simply want this cleared up. My health is suffering
Consumer complaint received 2022-07-25
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. (NV)

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 opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.
Consumer complaint received 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (IN)

I applied for a homestead exemption for property taxes in the state of Indiana and got approved last year. I received the reduced tax liability from the state sometime in XXXX last year ( I think ) I reached out to my lender sending XXXX different emails regarding the reduced taxes to be collected this year and received no response. Finally I called last year to confirm if I needed to send documents and they told me on the phone that they regularly update that information and I dont need to worry. I see my new statement and theyve still charged me the elevated taxes. I call and the woman told me they would check and get back to me and that it takes 3-5 days. Still I emailed documents that confirmed I was approved for homestead exemption that reduces my taxes by a significant amount. This was on the XXXX of XXXX. No update, so I call back on Friday and Im given the run around again. The woman said she will call back once she hears from the concerned department. I never got a call. So I call again on Monday ( today ) and its the same answer- Ill get back to you - give us 72 hours. This company overcharged me for Escrow last year and Im supposed to be getting $ XXXX back as a result. They will do it again. Its not right and I dont appreciate the way theyve been treating my case. If the state has sent them my property tax assessment why are they charging me more. There has to be some recourse for a company that has a history of breaking the law.
Consumer complaint received 2016-03-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NH)

Midland Funding is in violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Under FTC v. XXXX XXXX XXXX ( XX/XX/XXXX ), a Federal Trade Commission lawsuit against a licensed or registered collection agency, whereas the collection agency paid millions in fines and penalties, a criteria was established on the collection of debt where interpretation of laws were established. That criteria is as follows : 1 ) The debt must be within legal timeline limits that it can be collected through a summary judgment process in the state of the consumer 's residency. In this case, both accounts started with XXXX Bank, went into default in XXXX, and then taken over by XXXX XXXX in XX/XX/XXXX. Both accounts are long past any redeeming collection period. 
2 ) The consumer must be given a 30-day notice that the collection will be posted on credit, and shown proof that the collection item has been assigned or purchased, or both. 
3 ) The consumer must be given his rights to dispute under the Fair Debt Collection Practices Act. In this case I was never notified by XXXX XXXX or Midland Funding LLC. 
Both accounts have been re-aged, show no previous ownership as stipulated under the Fair Credit Reporting Act, and there is no payment trade line. The original owner, XXXX Bank is off credit completely as the legal timeline limit has come and gone. Midland Funding LLC is in direct violation of FTC mandates on this type of illegal collection process. The Consumer Financial Protection Bureau needs to step in to sanction Midland Funding LLC for these continued FCRA and FDCPA violations. Both accounts must be deleted on my XXXX credit report immediately and permanently.
Consumer complaint received 2022-01-31
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: CITIBANK, N.A. (UT)

CITIBANK CBNA is reporting an account on all 3 credit bureaus that is not mine. I have requested for years they provide/send me an original signature of mine on their contract to verify its my account, but they have been unable verify the account is mine, so by law they must remove the account immediately. They then proceeded to report to the IRS a charge-off notice for {$30000.00}, causing me even further damage, that is completely inaccurate. I have sent them years of letters, as well as to all 3 credit bureaus requesting they delete the account. They refuse to provide any original contract to prove its my account, and refuse to remove it from the credit bureaus, which is illegal. They have seriously damaged my credit and now will cost me a lot of attorney fees to clean up their mess with the IRS. Please make them remove the bogus account.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a formal complaint against TRANSUNION located in XXXX XXXX XXXX, XXXX, XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TRANSUNION has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

XXXX and XXXX XXXX alleged accounts shows the following inaccurate reporting : Close date is reporting as incomplete. 
How can a closed account still have a pas due amount? 
Dispute status is reporting as Account not disputed which is not true. Creditor remarks states account was disputed. How can they have verified and confirm that this information is completely 100 % accurate? 
How can a closed account still have a pas due amount?
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2022-03-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lamont, Hanley & Associates, Inc. (NY)

Lamont , Hanley & Associates , Inc. harassed me over a debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/22 at XXXX eastern time from phone # XXXX.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (TX)

I am at my wit 's end with this incompetent company. This is one of many complaints lodged against Ally. 

The gist of this one is that I paid off a summons that was related to my previous lease of a vehicle with Ally. I was on the phone with ALLY WHEN I PAID IT OFF AND RECEIVED WRITTEN CONFIRMATION THAT THE MATTER HAD BEEN SETTLED ON XX/XX/2022. SUMMONS # XXXX, XXXX Today in the mail, I receive a letter dated XX/XX/2022 referring to the same summons ( but associated with XXXX, when the toll authority was in Pennsylvania ) XXXX It was basically gibberish saying I hadn't paid it and that they paid XXXX of all places and it MADE NO SENSE, but referred to the same amount {$18.00} and the same summons # XXXX, XXXX. 

I can not deal with this nonsense. The company has horrible record-keeping, and I do not want to be on the hook for something I do not owe, and they seem to be unable to keep anything straight and communicate in a reasonable or coherent fashion. THEY ARE NEGLIGENT and CARELESS. All my issues with them deal with NEGLIGENCE IN RECORD-KEEPING. I've had enough, and want to move on with my life. Please make them stop bothering me with their idiocy.
Consumer complaint received 2022-02-01
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. (PA)

I have been trying to dispute false inquiries on my Equifax. Equifax refuses to start a dispute which is a violation of my rights They never started the dispute They never updated the dispute They never gave me any results from the dispute it is now been almost two calendar years fighting the same false inquiries Even after multiple CFPB complaints Since, they do not have my authorization, written nor verbal I demand that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent Registered mailstated my reasons for an investigation and these reasons were not frivolous in any way.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I was added as an authorized user on a XXXX Credit card account. The bank informed me that report authorized users to all three major credit bureaus, but on my credit reports it is only being reflected by XXXX as of XX/XX/XXXX. So I am contacting you to please send letters to transunion and experian informing them that they are misrepresenting by excluding the XXXX account on there reports and subsequently hurting my overall credit score. I need them to accurately report my scores so that I can secure a line of credit for my business. Thank you in advance for your time, I greatly appreciate it. ( I also wanted to mention that I have proof of all three bureaus in the form of credit reports from annualcreditreport.com but it will only let me upload the one one this website. Please reach out if you would like the others. )
Consumer complaint received 2024-03-12
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. (CA)

Again, I was a victim of identity theft and this is another complaints to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XX/XX/XXXX
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 @ XXXX I received a txt message from ( XXXX ) XXXX. Wells Fargo Fraud Alert- saying Did you attempt to do a wire transfer for the amount {$4500.00}? Reply Yes to authorize or reply no or 1 to decline transaction So I not knowing at all what was about to take place for the next two days I replied no. After they messaged me back Thank you for your confirmation Shortly after that I received a call from the same number. Stating Hello you are in the process of fraud. Someone has access to your account and wire transfers. We need to assist you on transferring your money to your new account. And mind you this entire time I am thinking that this is Wells Fargo on the phone. So after this we went through the process of transferring my money to my new account so I thought but no I was getting blindly robbed. Because I have never been through a account transferring process so I listened ever step and literally gave my money away. So after I realized What the XXXX that so called new account that the man on the phone made me was empty and my actual bank account was empty I knew there was something wrong. Immediately after I realized this witch was already FIVE DAYS LATER!!! I called Wells Fargo and complained telling them exactly what had happened. And now we are here TWENTY DAYS LATER!!!! On the XXXX of XXXX they just NOW get back to me saying they denied my claim based on what I told them on the phone they ARE ACCUSING ME, ME, the account holder, Of stealing my own money and taking part in the fraud. This is unheard of if I had taken place in this fraud!?! Why would I be filing a claim with Wells Fargo and filling a police report. If I had anything to do with this.