davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reporting this account with credence for {$160.00} XXXX dont have a collections account with XXXX XXXX XXXX I still have an account of account with at & t this debt is not valid please remove this account. Also I have a credit card with XXXX and your still not reporting it
Consumer complaint received 2021-12-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have dispute accounts on several occasions and this company is still violating my consumer rights. The accounts and inquiries need to be removed or I will proceed with litigation.
Consumer complaint received 2020-02-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

5th 3rd Bank list a CD rate of 2.2 % for 18 months in their web page, and as of today XX/XX/XXXX they will not honor it. they say the web site was last updated in XX/XX/XXXX. I contend if they failed to update their CD rates in their web site, they should honor it? The Bank is at XXXX XXXX. XXXX XXXX. MI. 

XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-26
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. (IA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-09-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

When i first bought my home in XX/XX/2017, after a few months my home owners insurance was cancelled because I didn't schedule a time for someone to come inspect my home ( even though this had already been done prior to starting the home owners insurance ). My insurance was cancelled. My mortgage lender never notified me that they would have to force-place insurance on my home. After I received new insurance, I called to update them on my new plan. I was told that they weren't aware that my insurance was cancelled because they weren't informed. So they said that since my home wasn't insured for the time I was without insurance, they would have to force-place insurance for months missed. Now my mortgage payments have gone from around {$620.00} to {$1100.00} per month and I am struggling to make payments. I looked into the laws for force-placed insurance and found this ; " The servicer must send the first notice at least 45 days before purchasing a force-placed insurance policy. 
The servicer must then send a second noticea reminder noticeno earlier than 30 days after the first notice and at least 15 days before charging the borrower for force-placed insurance coverage. This notice must include the cost of the force-placed insurance or a reasonable estimate of the cost. ( 12 C.F.R. 1024.37 ). '' None of this happened as my mortgage company was " unaware '' that I was without insurance. Please advise if there is any action I can take to amend this. I am already on  new insurance but I am still having to pay these extra fees until XXXX.
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (AZ)

I receive updates from XXXX XXXX and on XX/XX/XXXX I got a new collection notification. Credence Resource Management Collections. On my credit report it states a soft inquiry was done on XX/XX/XXXX or XX/XX/XXXX by this credence resource company and the next day the amount of XXXX. Was authorized to me by XXXX XXXX XXXX but we have always had XXXX. And than on XXXX it was reported to my credit as been sent to collections? When I called CRMC they did not have my phone number, my full address or correct email address. They offered me a deal or to send me a packet for fraud. I filed a report with the XXXX police, XXXX XXXX XXXX couldnt find an account with my name and are sending me a packet for fraud and the Az attorney generals office told me to report to yall. 
No one in my family would switch to XXXX XXXX XXXX I did not do this and I think its very strange CRMC did an inquiry without my knowledge or had my info. And that they could just access my report and claim this is wrong! It is not our debt
Consumer complaint received 2021-12-26
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I have had nothing but problems with experian XXXX since I did their free service and it expired, I happen to have a credit card that gave me free access, I pay my cards off every month, I never carry a balance, I make multiple payments per month up to 5 to clear a zero balance, I get emails from them telling me they are going to shut down my experian for no report of payment, XXXX is this.i was penalized XXXX points last week, for know reason, XXXX, XXXX I went up and up by XXXX points or more from experian, they claimed I paid a account off with XXXX recently this is incorrect, XXXX also raised a loan amount which I haven't touched to XXXX and raised my credit card to XXXX which is always at XXXX every month.i will file a XXXX on experian and take them to court if they don't stop their XXXX credit tactics, infact I went 5 mo ths with no score change with them before this none at all and I pay all my accounts off every month
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

I attempted to get a copy of my Equifax report by phone, because I was unable to do so online as I am a minor. On the phone with the representative, despite repeated attempts to explain that I was a minor and that my social security number had been used to file a false tax return in my name, the agent refused to give me a copy of my credit report stating that there was no credit history. She refused to send anything by mail or email stating this and I had to end the phone call because she was increasingly unaccommodating and rude. I need this information to file fraud claims with FTC regarding my identity.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (UT)

I was on my familys auto insurance plan and they began looking for new auto insurance in the month of XX/XX/XXXX. When my father was discussing new auto policies with the agent, the agent informed him that LexisNexis is reporting that I had been issued a ticket in XX/XX/XXXX in the state of Washington along with a vehicle fuel charge along with that ticket. This is very inaccurate as 1 ) Ive never driven to Washington or even have been to the state of Washington. 2 ) I have an all electric vehicle and have owned it since XXXX so there would not be a vehicle fuel charge since my vehicle is all electric. 

I paid the Utah XXXX to pull my driving record and send it to me in XXXX under my license number and my driving record is completely clean with no tickets. I also called Washington courts to check my drivers license number and search for a ticket but they have no record of me under my license number, name, date of birth, and SSN. 

I provided LexisNexis with this information and they still have not removed this from my report. I am unable to renew my auto insurance as the insurance can not give me a fair rate due to this inaccurate reporting of a ticket under my account. 

I need this resolved ASAP so I am following up with LexisNexis weekly but they are making no progress.
Consumer complaint received 2021-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Business Factors (CA)

National Business Factors XXXX XXXX sent a collection notice for me to my sister 's house. The letter was dated XX/XX/21, Principal amount of {$490.00}, and XXXX XXXX of {$120.00} ( XXXX XXXX {$620.00} ). The letter requested for my credit card information along with my drivers license. They also informed that " interest will accrue on this account on a daily basis, pursuant to Nevada Revised XXXX XXXX. '' I am unaware of such charges or unpaid debt.. I checked XXXX, XXXX and XXXX and I am in very good standing with all these credit bureaus.
Consumer complaint received 2022-08-31
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX  Acc # XXXX has violated my rights 15 USC 1681 Section 602 states I have a right tp privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a 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 2021-12-26
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. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XX/XX/2019 an unauthorized transaction to my personal Bank of America account for the amount of {$740.00} coming from Bank Of America itself on the Small Business Division as " a payment '' -not a fee. I disputed the amount and they told me they can not reverse the charges even if they were not authorized cause it came from the same bank. I insisted it came from a different division with a different name, different billing address ( XXXX XXXX XXXX. XXXX  XXXX, XXXX, DE XXXX ) and even different Federal Identification Number therefore is a different business and it should be treated as if it were any other creditor or bank institution.I asked how is it possible that you are able to do it when it comes from any other bank but not from your same bank name even from a Different Division, they answered saying they have the right to do so. I said Unauthorized is Unauthorized, if I had my account opened with another bank institution, the BOA Business division would had not been able to do so, and they acknowledge that what I was saying was correct but that they were sorry. 

They deducted the money as an ATM transaction and that debit card has been issue just recently. there is no possible way that they had obtained the debit card number from me. I considered this was not just unauthorized but fraudulent from Bank of America itself. 

I contacted the BOA small business division and they in fact point blank told and acknowledge that " YES. YOU DID NOT AUTHORIZED THE TRANSACTION '' and they acknowledge THAT I DID NOT EVER PROVIDED MY PERSONAL DEBIT CARD NUMBER TO THEM.
Consumer complaint received 2021-12-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP (MA)

I received a debt collection letter at my mothers house for a XXXX credit card which I never opened or gave anyone consent to do so and I wasnt even aware that there was a XXXX credit card in my name. I dont know credit card number cause I never opened that account I would like for this to be resolved and investigated to know who account this is and why it is under my name. Im sure the purchases made on that account have up addresses if made online n etc or video footage of someone buying in store, that will prove this isnt my account.
Consumer complaint received 2019-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

The week of XX/XX/XXXX i phoned USAA to ask what was the best way to set up a Bill Pay and have a live checked mailed to the USAA Branch for deposit into another USAA Members Bank Account. The representative advised me to make the payment payable to USAA Federal Savings Bank with the address of XXXX XXXX XXXX XXXX XXXX, TX XXXX, which i did. On Friday XX/XX/XXXX I scheduled a Bill Pay of {$500.00} to this Members account for deposit, which was, by no fault of mine, sent to the wrong line of business within USAA, This money was sent to USAA Property and Casualty electronically, instead of being sent to USAA Federal Savings Bank in check form as i put on the Bill Pay Instructions and now these funds are lost. I called Saturday XX/XX/XXXX and explained all this and the representative started a dispute, my account has yet to be credited. This was not my error and I should not be suffering and out {$500.00} while USAA researches their mistake! As of XX/XX/XXXX, I still have yet to hear anything so, I submitted a second dispute on USAA.Com and called after and spoke to a supervisor named XXXX at ext XXXX who assured me I would receive a temp credit while the dispute is processed and i would received that within the next day or two and it is now 3 days later and I still do not have a credit on my account. I have been calling XXXX for the last 2 days and have not received a call back from her.
Consumer complaint received 2021-12-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a onetime transfer from my XXXX XXXX prepaid card ( direct deposit ) of {$1000.00} on XX/XX/2021 to a BOA account and also {$960.00} on XX/XX/2021 to XXXX XXXX  account but the bank accounts I made the transfers to held the funds which they left me with no choice. 
I will really appreciate if something is to be done to help, thank you.
Consumer complaint received 2021-12-26
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: EQUIFAX, INC. (PA)

Ive disputed these accounts multiple times ive sent multiple CFPB complaints my rights have been violated under FEDERAL LAW 15 U.S. Code 1681b ( a ) ( 2 ) attached is my FTC report and my letter of instruction that was both sent certified mail. There are also two POLICE AND FCU accounts reporting with the same account number that needs to be deleted immediately
Consumer complaint received 2021-12-26
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. (PA)

Ive disputed these accounts multiple times ive sent multiple CFPB complaints my rights have been violated under FEDERAL LAW 15 U.S. Code 1681b ( a ) ( 2 ) attached is my FTC report and my letter of instruction that was both sent certified mail. There are also two POLICE AND FCU accounts reporting with the same account number that needs to be deleted immediately
Consumer complaint received 2022-08-31
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX  Acc # XXXX has violated my rights 15 USC 1681 Section 602 states I have a right tp privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a 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 2021-12-26
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. (PA)

Ive disputed these accounts multiple times ive sent multiple CFPB complaints my rights have been violated under FEDERAL LAW 15 U.S. Code 1681b ( a ) ( 2 ) attached is my FTC report and my letter of instruction that was both sent certified mail. There are also two POLICE AND FCU accounts reporting with the same account number that needs to be deleted immediately
Consumer complaint received 2022-08-31
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. (NJ)

they have violated 15 USC subsection 1692g ( b ) in accordance with fair credit reporting act convergent account # 12345 has violated my rights.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 

I have also sent a request for verification of this account in which I still have not received any original contracts with my signature on it. I sent a identity theft report and letter hat request the block of inaccurate information which in this case has been ignored multiple times. this account with this alleged debt comes back verified every dingle time with no form of Verification I requested provided. This XXXX XXXX Bank Account # XXXX NEEDS TO BE DELETED AND REMOVED immediately From my consumer report To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. My identity has been stolen you are hereby put on notice.

Aggravated Identity Theft pursuant to 18 U.S.C. 1028A 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2021-12-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Pressler & Pressler, LLP (NJ)

XXXX x over 12 years on unidentified debt when im in a mortg mod XXXX one due to XXXX and hardship. They were told repeatedly anyrhing w XXXX was closed 12 to 15 years ago w an attorney. They must stop. Pressler in XXXX! They went to my employer multiple times it affected my job. I am no longer there. They are contacting an old mortg attorney. They disappear and resurface constant. I will not deal with them any further! I am a XXXX  at a XXXX XXXX  No ability to take back charged off debt.
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (NJ)

The Discover Card advertised a 0 % for 18 months on balance transfers. When I called the company to ask what the amount of the first payment, it was double the amount of what 0 % would be. Instead of 0 % of XXXX the total balance, which would be a {$61.00} monthly payment, they said the monthly payment was {$120.00}. They said I am being charged 2 % of the total balance. They did not state of disclose this in the application and terms and condition when I applied for the card. This is misleading and predatory lending by not making it clear the terms of the card, and enticing applicants to believe they will be paying 0 %, which I was lead to believe by lack of disclosure on the part of Discover Card.
Consumer complaint received 2022-11-10
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)

In accordance with the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX : Account # N/A, Account name XXXX XXXX : Account # N/A, has violated my rights. ( List all negative accounts ) 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than of convictions of crimes which antedates the repot by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible