davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Glass Mountain Capital, LLC (NY)

I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Glass Mountain Capital LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022 I have not received any documentary evidence such as a trilateral contract giving Glass Mountain Capital LLC any right to collect on this alleged debt. I have never received any documentation requesting validation from Glass Mountain Capital LLC. If Glass Mountain Capital LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Glass Mountain Capital LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Glass Mountain Capital LLC continues its collection efforts, I will file for litigation for actual damages caused and Glass Mountain Capital LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2019-07-17
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. (VA)

On XX/XX/2019 I sent a letter to all three credit bureaus requesting proof that the medical debts appearing on my credit report. In the letter I stated " Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The response I received from XXXX also know as XXXX XXXX XXXX was a simple letter which states this in response to my request to for verification of the debts owed. This is incorrect and not what I asked for. I have attached a copy of the letters that were sent to the all three credit bureaus as well as the response I received from XXXX.
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (MT)

I had a total of XXXX loaned to me by commenity bank. I paid them over XXXX back. Mainly due to their lack of not closing my account once I had it paid off and asked them to close it so interest didnt continue, their terrible communication, phone payment failure, online payment issues. Not only have I paid it back three fold, they harass me multiple times daily, have harassed my dad, mom, and even my brothers EX WIFE whom he has been separated from since 5 years ago, past employers etc. It is one thing for them to harass me when Ive already more then paid off my debt while in the middle of a pandemic and dealing with a XXXX scare and having to take care of my elderly grandmas, but to harass people who have NOTHING to do with the credit I have borrowed is a crime. I am XXXX XXXX XXXX and was an adult when I applied for credit with them. It is criminal how many calls I receive daily and people who are not me receive. My credit is completely destroyed and they are still harassing me. ENOUGH IS ENOUGH.
Consumer complaint received 2022-05-14
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)

My name is XXXX XXXX and I'm submitting this complaint without any influence from ant third party or agency. Please see attached documents and ID as it contain my full complaint and request.
Consumer complaint received 2022-05-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I recently disputes this fraudulent account on my credit report and sent in my FTC Identity Theft Affidavit as well as a police report and this company failed to verify and remove this account from my credit reports. I want them to REMOVE these accounts immediately due to them not belonging to me. They can not show me a I.D . Or signature that belongs to me yet they are sending this back to the credit bureaus as verified.
Consumer complaint received 2019-11-20
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: CITIBANK, N.A. (NJ)

In XX/XX/XXXX and XX/XX/XXXX, Citibank functioning as Brooks Brothers credit card Number XXXX reported past due amounts. It occurred because I had changed my bank. Before these dates, I tried to arrange a payment from my new bank. I called the number on the credit card to change the bank routing number and account number. I thought I was successful. When I received another notice from the collections department, I called again. I was successful in changing the bank routing number and account number. I don't recall whether I changed it online or over the phone. After I explained the situation, I asked if the late payments has been reported to a credit reporting agency, they had. I asked if they would reverse the report, they were completely uncooperative. I then instructed them to close the account. Recently I requested a credit report from XXXX XXXX. I noted the late payments in the referenced month. I decided to contact your organization to file a complaint
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I opened an account with citizens bank. And since then everything has been a nightmare : someone wiped all my account. I filed a dispute with them on XXXX XXXX. Filed a police report the very next day. They said they will give me temp credit in 2 business days, that didnt happen. 
Then on multiple occasions, I was told that it will be resolved in 10 business days or I will give a credit, that didnt happen either : The customer service doesnt help, people at the branch dont help. The XXXX XXXX branch, didnt help at all. They have multiple instances as suggested on their XXXX reviews itself of their atm machines having issues and yet they continue to lie and causing me mental trauma and break all regulations and provide no assurance and keep making me jump from one department to another with no one having any answers
Consumer complaint received 2022-05-14
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. (AL)

I have XXXX hospital bills on my credit report, which stated I went to the hospital in 2021. I have XXXX insurance and I didn't go to the hospital last year. XXXX of the XXXX 's are exactly the same. The hospital sold the bill to XXXX different collectors. When I tried to bring this to Experian attention 2 days later I received a email stating the bill will remain. Experian too is NOT to trusted. I sent information from the hospital stating I haven't been there for the year 2021. I have a letter from the administration stating I have no bill. I asked each creditor to send me a print out of the original bill, I have never received anything from either creditor. Very disappointed at Experian. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX and XXXX XXXX are the same bill.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2022-05-14
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX. Account XXXX XXXX XXXX  XXXX XXXX # XXXX, Account XXXX XXXX XXXX  # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

My account was permanent limited in paypal 180 days after so many days My XXXX in paypal was Lifted with Funds up to XXXX ( XXXX  180 DAYS or done 180 days ) its almost 200 days since my XXXX was lifted but my XXXX still 180 days plssss helped me to restore my XXXX in paypal
Consumer complaint received 2019-11-20
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. (FL)

EXPERIAN, XXXX  AND EXPERIAN HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE INACCURATE/NOT MINE FRAUD. 

XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX XXXX-NOT MINE, XXXX XXXX  XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, ADDRESSES : XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX-NOT MINE, XXXX  XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX  XXXX  XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, ACCOUNTS : XXXX XXXX XXXX S-XXXX-NOT MINE, XXXX XXXX  XXXX-XXXX  -NOT MINE, XXXX XXXX  XXXX   XXXX-XXXX  -NOT MINE, XXXX XXXX XXXX XXXX  XXXX-XXXX-NOT MINE, XXXX  XXXX  XXXX-XXXX-NOT MINE, XXXX  XXXX   XXXX-XXXX-NOT MINE, XXXX  XXXX XXXX-XXXX-NOT MINE, XXXX XXXX/XXXX  XXXX-XXXX-NOT MINE, XXXX/XXXX-XXXX-NOT MINE, XXXX  XXXX-XXXX-NOT MINE, XXXX XXXX-XXXX-NOT MINE, XXXX/XXXX   XXXX-XXXX-NOT MINE,
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I wish to complain about the fraudulent withdrawal of money from my account. This is the first time in the two years that I have owned this account where money was transferred out without my authorization. This is a card that was issued to my by the California XXXX service. 
A total amount of XXXX was stolen from my account in two transactions that were not executed by me. Looks like on XX/XX/2022 the thief tried to transfer out {$3000.00} but the transfer was reversed on XX/XX/2022. However on XX/XX/2022 a transaction for {$3000.00} with reference number XXXX and on XX/XX/2022 for {$2100.00} with reference number XXXX, were successful in taking my money. I did not make these transactions. 
I filed for a bank dispute previously when I noticed that money was missing from my account. I had a very hard time trying to file a complaint through the customer service line, I needed help from someone that spoke XXXX ( I am able to read and write in XXXX, however Im not comfortable speaking it ), the agents would just put me on hold, and/or transfer me continuously and/or even hang up on me. When I was finally able to submit the claim # XXXX, a few days later I received a response to this claim notifying me that the charges are legit, therefore my claim was being closed. This is OUTRAGEOUS. Both transactions are unauthorized. I did not transfer money out of this account, the only funds I ever withdrew from this account have been at the ATM in cash.
Consumer complaint received 2022-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

credit control trying to collect a debt from me I do not owe my, my medical records has been compromise and my Hippa rights has been violated I have reach out to the bureau XXXX XXXX an XXXX They are not cooperating
Consumer complaint received 2019-11-20
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. (FL)

XXXX, XXXX  AND XXXX  HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE INACCURATE/NOT MINE FRAUD. 

XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX XXXX-NOT MINE, XXXX XXXX  XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, ADDRESSES : XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX-NOT MINE, XXXX  XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX  XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, ACCOUNTS : XXXX XXXX XXXX XXXX-XXXX-NOT MINE, XXXX XXXX XXXX -NOT MINE, XXXX  XXXX  XXXX   XXXX -NOT MINE, XXXX  XXXX  XXXX XXXX  XXXX-XXXX-NOT MINE, XXXX XXXX  XXXX-XXXX-NOT MINE, XXXX XXXX   XXXX-XXXX-NOT MINE, XXXX XXXX XXXX-XXXX-NOT MINE, XXXX XXXX/XXXX XXXX-XXXX-NOT MINE, XXXX/XXXX-XXXX-NOT MINE, XXXX XXXX-XXXX-NOT MINE, XXXX XXXX-XXXX-NOT MINE, XXXX/XXXX   XXXX-XXXX-NOT MINE,
Consumer complaint received 2022-05-14
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: Experian Information Solutions Inc. (TX)

I am writing today to seek assistance in disputing the following hard inquiries on my Experian Credit Report. I have contacted the creditors listed and they told me I have to dispute it with Experian directly. Experian has advised me to : " wait them out and see that my credit score will improve over time. '' My credit report shows inquiries that I don't recall authorizing. I understand that they shouldn't be able to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my file because it is making it very difficult for me to acquire credit. 

The Fair Credit Reporting Act ( FCRA ) states that the only permissible purpose for pulling someone's credit is for. 

XXXX. Firm offer of Credit XXXX. Insurance XXXX. Employment XXXX. Court Order The following XXXX XXXX XXXXXXXX ) credit inquiries are related to none of the aforementioned permissible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please assist me in coordinating with Experian to see these inquiries removed from my credit report immediately.
Consumer complaint received 2022-05-14
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: M&T BANK CORPORATION (NJ)

In accordance with the fair credit Reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It 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 and purpose.
Consumer complaint received 2019-11-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

MORTGAGE FRAUD RESULTING IN OVER 60 FORECLOSURE SALE DATES CREDIT REPORTING FRAUD SELECT PORTFOLIO SERVICING ACCOUNT NUMBER : XXXX In 2019 I have place several complaints against Select Portfolio Servicing regarding an XXXX  Report against me, FRAUD, staring SPS had closed the account out in the Credit reporting Agency, stating that I had accepted a DEED IN LIEU OF, states Bank Liquidation, proof has been submitted to them over 6 times now and they WILL answer my complaints and Stop all Foreclosure processes or they will see their name all over the newspaper and will be in court there are other Servicing issues involved and they need to go back to XXXX XXXX XXXX and get a detailed statement of how my bankruptcy payments were applied to my account with XXXX XXXX XXXX.
Consumer complaint received 2022-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I deposited a cashier 's check, pay by XXXX bank into my Wellsfargo account. The check is under {$1500.00}, made payable to me. Upon depositing the cashier 's check via mobile deposit, I was sent an email saying that my deposit was received and the funds would be available the next day. With a disclosure at the bottom saying some checks may require additional verification and the funds may not be available for 1-3 business days, but if that happens they will notify me and explain why.

The next day the funds are not available and I did not receive any kind of notice on why. I went into the bank itself with the cashier 's check and asked why the funds aren't available and they tell me to call the 800 number. I call they say XXXX bank placed a hold on the check. I go into XXXX Bank they say there is no hold on the check and that it cleared the day before. She even called Wellsfargo to tell them that it's been paid and printed out the paper showing that it's been paid. I then call Wellsfargo again, and am told that the check already posted to my account and that my balance is showing that it's available, but it's not, so then he transfers me to someone else who tells me that no it has not posted or been paid by XXXX and that there's a hold on it placed by XXXX. I tell him no there's not, I have proof of such. He then tells me Wellsfargo is holding it for verification reasons, I ask what reasons and what can I do for this verification to be completed, he tells me he doesn't know and transfers me to someone else. I ask them to just cancel my deposit so that I can take my cashier 's check and cash it at XXXX, she tells me that once the check is in the system they can't just cancel it and that the funds will be available on the XXXX ... That's NINE days after the funds were supposed to be available. I ask her who can I talk to to get the hold removed she said she doesn't of anyone who can do that and that I will just have to wait. 
Wellsfargo has already received the money from XXXX bank, the check has already cleared, but they refuse to make the money available to me, and can't tell me why.
Consumer complaint received 2022-05-14
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. (GA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-14
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: Experian Information Solutions Inc. (GA)

I do not recognize the following inquires or give permission for these companies to run my credit for the following Company : XXXX  Inquiry date : XX/XX/2022 Company : XXXX XXXX Inquiry date : XX/XX/2022 Company : XXXX XXXX XXXX : XX/XX/2022 Company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-05-14
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: CREDIT ACCEPTANCE CORPORATION (LA)

In accordance with the fair credit report act XXXX. account # XXXX with credit acceptance corporation. Has violated my rights 15 usc1681 section 6028 states I have the right to privacy.

15 USC 1681 section 604section 2, also state a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2022-05-14
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)

XXXXXXXX XXXX  on XX/XX/2022. That someone sent to XXXX and tried to close the account. I do not have any XXXX cards. I do not live in XXXX. My location is monitored so who ever used discover was not me.. I would like to be monitored to ask if its me getting XXXX XXXX. I would think I would be emailed if I received a credit card.I would like to know how someone is accessing my account with not even any text or anything, recognition to prove its me when I only log in by face.