davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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. (SC)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # 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 report agency can not furnish a account without my written instructions.

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 records of convictions of crimes which antedates the report by more than seven years.

U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-07
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. (VA)

My name XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (OH)

I had two collections account removed from my XXXX report, being deemed invalid. The two collections agencies have both back on my XXXX credit report after me disputing them. They are incorrectly reporting these debts and they are not mine. I have screenshots of the collections accounts being removed and I want them off my XXXX report immediately before I file legal action.
Consumer complaint received 2021-06-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (FL)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is attempting to get an additional judgment for a judgment from XXXX. They filed a memorandum for costs after a judgment in XXXX XXXXXXXX XXXX on XX/XX/XXXX to my former residence in XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX. I've lived in XXXXXXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX since XX/XX/XXXX due to a Covid-19 related job-loss. 

The original judgment filed in XXXX XXXX XXXX XXXX for my defaulted debt with Citibank in XXXX. 

They have also subpoenaed my tax returns, paystubs and other financial documents from my creditors, namely XXXX XXXX XXXX. 

Based on the court filing, XXXX XXXX XXXX XXXX. purchased the outstanding debt from Citibank and now is trying to resuscitate zombie debt during a pandemic, and is trying to manipulate the court system in XXXX Further, XXXX  destroys all court-records after 10 years and some of the information on the new filing is not consistent with the original judgment. I have copies. The new filing is based on an attestation from the XXXX XXXX XXXX and not actual documents. 

I have clients in the mortgage and real estate industry who are subjected to bully tactics from XXXX XXXX that seeks multiple judgments on the very old debt and puts in on the credit reporting files as a way to tarnish the credit of people who owe past judgments or to extort additional money from people. Most of my clients get the judgment or collection removed from their credit but it is harassment. 

If I still lived in XXXX the filings should take place in my home county NOT 49 miles away in another county which is a 2-hour drive one-way. Additionally, XXXX XXXX XXXX Courts have been closed for certain filings due to the pandemic and was hard hit with Covid cases so they tried to file in XXXX XXXX because of it's lax laws and lenient Covid restrictions, but I moved back to XXXX because I couldn't afford to stay in XXXX 

Resurgence and XXXX XXXX XXXX are attempting to renew a judgment when I have proof of me living in XXXX and XXXX  for the past 12 years out of 13 years.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Performance Management, LLC (OH)

RPM account has violated my right under FCRA. This account is now in civil litigation to violation of my rights by FCRA. Right violated includes, but not limited to, Defamation, financial injury US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. Also FCRA Section 623 and FCRA Section 604 ( A ) ( 3 ). Protection under the FDCPA was violated Gearing v. Check Brokerage CorpCacace v. Lucas, 775 F. Supp. 502, 505 ( D. Conn. 1990 ). Under these violations company must remove all information on  report until civil litigation is complete.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (AR)

Bank = Citibank N.A. 
Account = basic checking account. 

I was charged a monthly {$12.00} account maintenance fee on : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 The account opening packet mailed to me by Citibank asks that I maintain a combined average monthly balance in qualifying linked deposit accounts of {$1500.00} or more. 

The Certificate of Deposit I opened on XX/XX/2022 started off with a balance of {$1000.00}. Upon opening the CD, Citibank emailed me saying " Welcome to your Citibank savings account! '' My online account overview page shows my CD under the savings accounts section. 

After adding the balances in my CD and checking accounts, my total balance always exceeded {$2000.00} and often {$25000.00}. 

On XX/XX/2022, I mailed Citibank a physical letter including screenshots of my account overview page and their account opening packet with relevant sections highlighted. 

I received no response from Citibank and I was again charged a {$12.00} account maintenance fee in XXXX.
Consumer complaint received 2021-02-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westcreek Financial (IL)

I financed a mattress and box spring from West Creek Financial last year I set up two payment arrangements on my account and both time WestCreek Financial, canceled my payments. Now its on my credit report as account closed and now trying to get me to settle the full amount at once.
Consumer complaint received 2020-09-29
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. (NY)

I have inquiries on my credit report that I did not apply for or authorize. 

The only inquiry that is valid is XXXX  XXXX for my car lease. 

Please remove all other hard inquiries.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

Beginning XXXX I notified 5th Third Bank of fraudulent activity from by business account. The fraudulent activity actually started XXXX. The name associated with the fraud was NOT MY NAME. The bank was also made aware of this fact as well. I was told by the bank on XXXX that the funds would be replaced into my account in XXXX days. A case number was assigned but the funds were not returned to my account. 

On XXXX another fraudulent charged was done even though the bank had been aware of the activity. I had gone to the bank in person XXXX when I first noted this activity. 
I had filled out a transaction dispute form previously with the bank and was instructed to do so again on XXXX. I was again informed the funds would be replaced in 10 days to XXXX weeks. They were not. 
In total at this time the monies I am owed total {$450.00} Fraudulent withdrawals XXXX {$15.00} XXXX {$90.00} XXXX {$90.00}. 
XXXX {$100.00} XXXX {$75.00} XXXX {$75.00} XXXX even notified the bank each month when I saw that the charges were pending however, the fraudulent charges were still allowed to go through.After meeting several times in person with the local branch XXXX and with no results I did Email the bank CEO. At this time I still have not had resolution to this situation.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I went in to a Bank of America branch on XX/XX/2022 to open a personal checking account and was denied a new account despite being a long-term prior Bank of America customer and was given no real reason for the banks denial.
Consumer complaint received 2021-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (OH)

I had two collections account removed from my XXXX report, being deemed invalid. The two collections agencies have both back on my XXXX credit report after me disputing them. They are incorrectly reporting these debts and they are not mine. I have screenshots of the collections accounts being removed and I want them off my XXXX report immediately before I file legal action.
Consumer complaint received 2020-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (TX)

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under LJ Ross Associates Inc. and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as LJ Ross Associates Inc. had not responded, therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
Consumer complaint received 2022-11-07
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: Sunbit, Inc. (NV)

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been XXXX XXXX XXXX  for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i Tab/Sunbit Tab/Sunbit ( Installment ) Accounts - negative accounts - Summary XXXX XXXX XXXX Last Updated XXXX, XXXX Payment Status Charged off as bad debt Worst Delinquency None Reported Balance {$120.00} Credit Limit XXXX XXXX XXXX Closed Date XXXX XXXX XXXX XXXX Open Date XXXX, XXXX Last Activity XXXX, XXXX Terms Scheduled Payment High Balance {$1400.00} Loan Type Unknown Responsibility Individual Account Company Name Tab/Sunbit Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Comments Unpaid balance charged off
Consumer complaint received 2020-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (FL)

Nationstar Mortgage, LLC acting in the capacity of a debt collector, filed a lis pendens against my proper without sending me notification of the debt claimed under 15 U.S. Code 1692g.Validation of debts. Nationstar Mortgage LLC has slandered title to my property and is in violation of 15 USC 1692 by not sending the required notice. I have never been indebted to Nationstar Mortgage, LLC. Nationstar Mortgage, LLC has never extended credit to me. Nationstar Mortgage, LLC filed falsified  documents in the XXXX County land records for the sole purpose of foreclosing on an unsecured promissory note. Nationstar Mortgage used a promissory note, which I did not sign, to steal my real property under the false pretense of being the holder of the mortgage and the note. Nationstar Mortgage, XXXX has never been the holder of the mortgage. Nationstar Mortgage, XXXX has never been the owner of the mortgage. Nationstar Mortgage has stated in multiple documents that XXXX XXXX   is the owner of the mortgage and the note. The note was securitized, which makes it unsecured. Nationstar Mortgage, LLC can not lawfully enforce a mortgage with a note that has been bifurcated from the mortgage.
Consumer complaint received 2022-11-07
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: LEXISNEXIS (MA)

LexisNexis is illegally reporting tax XXXX. I disputed this tax XXXX on my LexisNexis consumer report multiple times with LexisNexis. LexisNexis you have stated in your response to me that you verified this information with the furnisher. I contacted the furnisher of this federal tax XXXX XXXX XXXX of Deed and they stated in there response letter to me that they do not verified or report information to any credit reporting agency. LexisNexis response to me that you verify this information with the furnisher was a mistake or lie. I have provided as proof documentation the letter from the XXXX XXXX of Deed clearly stated that they dont report or verify information with credit reporting agencies. I have also provided the XXXX of Truth I sent to you via certified mail to ensure you receive my dispute and for tracking purposes in case legal action is need.
Consumer complaint received 2020-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Transferred money from my Bank of America account to a contractor Bank of America account using XXXX on XX/XX/2020. Contractor did not complete services and broke the product I purchased. Filed a claim with Bank of America to return funds in early XXXX, but contractor has not responded to claim. Bank of America states that they can not force contractor to responding to claim. Since contractor is not responding to claim this should be taken as a sign of guilt and return funds.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (NC)

I have been submitting multiple letters from XX/XX/XXXX, to XX/XX/XXXX, with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my request should result in immediate removal of the unauthorized items listed below : XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2020-09-29
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. (FL)

I previously disputed a public record on my credit report. Equifax said they investigated and the results were provided and confirmed by XXXX. The first issue is XXXX  should investigated the account themselves as stated by the federal law. I initiated a request from XXXX and they say they don't even have a file on my name or information. This public record should be deleted immediately from my credit report as it is incorrect and false.
Consumer complaint received 2021-03-11
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. (CA)

I submitted 605B request letter to block identity theft information on my report. Per law this was to be done within 4 days. I have also included a police report, FTC identity theft affidavit, proof of my identity. These documents have been received as of XX/XX/2021 but no information has been blocked. I have included a copy of my request for block, affidavit, police report and proof of identity along with this complaint. The documents submitted were not a request to dispute/investigate but a request to block the information under section 605 ( b ). 

Thank you XXXX XXXX
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery is attempting to collect for : XXXX XXXX XXXX   XXXX the alleged balance due is : {$760.00}. I never received a notice from the collection agency, written nor otherwise regarding this debt and was never given the opportunity to dispute or ask for validation of this debt pursuant to the Fair Credit Billing Act and the Fair Debt Collections Practices Act. Also, Pursuant to the Fair Credit Reporting Act ... this information was placed on my report without verification by this agency, which is a violation of the Federal law and my rights as a consumer. I have no knowledge of this account
Consumer complaint received 2022-11-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF NEW YORK MELLON CORPORATION, THE ()

Dear Bank of New York, Good day! 

I want to know if I have unclaimed funds there in Bank of New York since I am the beneficiary of the trust funds of my fiancee. His name is XXXX XXXX XXXX XXXX XXXX And I want also to know if my trust documents are there. Because before he went to XXXX  he sent me a bank key of a safety deposit box. I did not claim it because the sd card that he sent me. I put it on my phone and there's someone steal my phone that time. And the trustee also don't contact me anymore. But aside from the trustee theres have a copy of the trust there in the bank and I want to know if it's there in Bank of New York. If there's have unathourised transactions under my name its not me. It's a scammer, stop it because even XXXX cent of it I dont receive anything since 2014. And I want justice. I want also to know the correct contact number of Bank of New York because everytime I search bank of New York in XXXX it keeps changing the mobile number. If there's someone will withdraw looks like him that's an impostor don't allow that person to withdraw from it. Because that's a scammer. I want also to know why Bank of New York becomes BNY Melon Corporation. Bank of New York is Incorporated not Corporation. I sent you thr evidence here. I'm from XXXX. Was hoping to hear back from you soon. Thanks.. 

Sincerely yours, XXXX XXXX XXXX XXXX # : XXXX
Consumer complaint received 2022-11-07
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: I.C. System, Inc. (PA)

XXXX  report number XXXX. 
I have previously disputed and had this same collections from XXXX XXXX removed XXXX times. This is the fourth time it has returned. I disputed it again and was not successful in having it removed, submitted a follow-up dispute on their failure to remove it, and the collection remains on my report. I believe it stems from identity theft around the first time I discovered the collections. I had to also remove an address from a state I've never been to. 
I want this collections removed from my report, and I'd like to never be inconvenienced by it again. 
My previous successful reports are XXXX, XXXX, XXXX, and the removed address XXXX
Consumer complaint received 2021-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One I am making principal payments and my payment is always early they are not taking my payment for some odd reason I paid my payment and extra XXXX $ to the principal on XXXX XXXX they still haven't taken my payment they? I been trying to call them no one picks up? I need an answer to this issue why they are rejecting my payment the money is in my bank account ts on file. This has been an ongoing problem since I am ahead of schedule to pay this car off! Something needs to be done with them they are trying to ruin my credit which I am building up it's becoming a A+ credit issue because my scores are close to the 700 range.