davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fidelity Properties Inc. (FL)

While viewing my credit report i Saw a Debt collector account on my credit file for a Fidelity Collections, i have no knowledge of this company. 

I am asking that their information be first verified under the fir debt collection practice act, I have the right to request validation of the debt they say i owe. I am simply requesting proof that i am the party in question and that there is some sort of contractual obligation that is binding on me to pay this debt. This is not a request for validation or proof of my mailing address but rather a request for validation made pursuant to 15 USC 1692g sec 809 ( b ) of the FDCPA. i respectfully request that they provide me with competent evidence that i have any legal obligation to pay.
Consumer complaint received 2022-08-29
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: American Credit Acceptance, LLC (TX)

In accordance with the fair credit reporting act American credit acceptance has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 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 2022-04-14
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. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2022-08-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

So I Received a " Check '' from someone and they said to pay some money to an orphanage. so I did, a few days later, my bank account ( USAA ) was locked, and they told me after a 4 hour call hold, that I needed to pay {$2600.00} to unlock my account and that it was a scam. they refused to help cover it. 

Its been 3 months, and I'm in the worst financial spot possible. My advice is if you do get a check and then are told to donate to an orphanage or whatever, dont do it. just let the check invalidate without sending money. 

To USAA, shame on you for not assisting me at all with recovering my money.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (CA)

I had an XXXX XXXX XXXX and i closed the account about two months ago after completely paying it off. 

They later on charged me 30 $ cause my pay off was a few days late, no argument i pay that. 

After another two months i recieved a statement that i owe XXXX $ in fees on said closed account even though I completely paid everything off.
Consumer complaint received 2022-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (WY)

On XX/XX/2022 I was approved for haf funds and they sent. A {$17000.00} to Truist. From the haf funds Another check was sent XX/XX/2022. 
This mortgage company refuses to cancel a 40 year modification that we have never agreed to it. They will not cash the {$17000.00} check so we can go back to making our regular scheduled monthly payments through the deferral. 
Nobody has any answers they keep lying and giving us false information I am completely over it please make them cash that check
Consumer complaint received 2022-02-24
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX CREDIT Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account 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 reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-08-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CO)

Apparently there was an error when I tried to pay off my loan through Toyota Financial Services, but Toyota Financial is not reflecting the true payment due on its website because of an IT error. I still have the money in my bank account, and I am afraid I will not be able to pay it off and the account will accrue interest. I really have no idea what is going on or what to do. XXXX Toyota Financial, I have called them at least 8 times due to different errors, and at least half were not able to solve my problems. Only a resolution specialist will most likely solve them properly, but they are nigh on impossible to get to because the customer representatives are usually mediocre and/or have little control, so the resolution specialists are flooded with requests.
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022 XXXX XXXX XXXX sent a letter regarding inaccurate and unknown things on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I attempted to purchase an online course at XXXXXXXX. I was on a video call with one of their representatives attempting to make payment. I used a business card that I have with Capital One. I immediately got a text saying my transaction was declined, so i used my personal card with Capital One. Come to find out, I was charged on both cards for the transaction. I spoke with Capital One and the transaction was taken off, and I was asked to sign a document they sent in the mail for records. The charge has since been reallocated to my business card ( so both cards have been charged ), and They are telling me I need to submit more documentation for a mistake they made. I spoke with someone for an hour trying to get the problem resolved, but was told that I couldn't speak to any of their supervisors and that there was no way to have someone reach back out to me.
Consumer complaint received 2022-02-24
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX CREDIT Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account 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 reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

I have a Citibank Thank You Preferred card. I was attempting to purchase an international flight, and apparently my account was flagged for fraud. I called the toll free customer service number to resolve, but was told that this would be impossible because my number did n't match the one that 'they have in their systems '. Funny thing is that, on my online account, it clearly lists the last four digits of my number ; the number that I gave them to confirm, and the number that I was calling from. They then told me that they would need another credit card to confirm against with the respective bank that it belongs to. I gave them the card number, and they told me that I would need to wait 24 hours for confirmation. 

I call 24 hours later, and the new person has no idea what 's going on. Gives me the same line, phone number, credit card number, etc. I tell her that I 've done this before, and that I needed a better, more direct solution. She told me that my cell phone number did n't match what they had on file. I gave them my landline number ; they had that one ( the first rep did n't say that ). They say that they 'll call that number, leave a message with the confirmation number, and I 'll need to read that back. Someone is at my house during this time listening for the phone, no call. The rep from Citi said that she called and left a message. 

In the end, I have a frozen account which I can not close, and I can not verify my identity even using the gratuitous amounts of personal data that a financial company such as Citi has on me. I do n't know what to do and Citi is not at all being helpful, and only offering non-solutions to help resolve this problem. 

I stayed on hold for an extended time to get the team-lead 's name and title ( it was a lady ), but she hung up on me after I waited on hold approximately 45 minutes.
Consumer complaint received 2022-08-29
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. (MD)

XXXX violated my privacy according too. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Consumer complaint received 2018-07-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OR)

My Coinbase account is " Account Restricted ''. Specifically when I try to buy or sell, the following message comes up : " Account Restricted You are currently unable to buy and sell digital currency on Coinbase. Please visit https : //support.coinbase.com for assistance. '' So around 4 months ago when I found out that I could not buy any cryptocurrency because of this, I sent an email to Support, and got automatic response, then I got a real response that they are looking into it. Then a few months later, I got another response that I had to close my Business Account ( as this was somehow linked to my personal coinbase account ). I did this and answered and this was several months ago. All my emails are attached.

Since then the value of bitcoin, bitcoin cash, ethereum, litecoin have all gone down in price. I have been trying to take my money out so I could pay some bills and help my mom who is fighting XXXX. Now it is less value.
Consumer complaint received 2024-01-03
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (GA)

RENT RECOVERY SOLUTIONS in XXXX claimed to have this alleged debt & has been falsely reporting inaccurate information to consumer 's credit profile, without CONSENT or Proof of claim Since XX/XX/XXXX RRS has damaged consumer 's credit worthiness. 
Consumer had taken multiple steps in resolving the issue with RRS, requested several documents in proof of claim, none were presented. 

The following documents mailed by RRS dated on XX/XX/XXXX Cover letter ( notice name spelling ) Apartment Rental Contract ( notice name spelling. ) Contract including a different address, name & signature is NOT of consumer to whom it was originally reported on. 

Move out Statement is the same incorrect consumer 's name, address.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One has committed fraud and reps are liable via FDCPA Disputed XX/XX/XXXX Merchant responded Capital One requested proof of communication and my notification to merchant about fraud and goods. Was returned by XX/XX/XXXX with over 30 pictures showing proof requested. Stayed on the phone with rep to ensure it was received. She confirmed and said theyd resolve within 14 days. 
Not resolved. Called back and was told it was still being investigated. 
Called back at the end of XXXX and the rep said it was closed and could not be reopened. Rep said shes sorry no one revisited the investigation. I explained their negligence because they had all adequate information asked for. Rep said she could not get me supervisor and apologized. Told them Id be issuing a complaint as it was their fault it was past the amount of days for resolution. Put me on hold and said her supervisor gave the same answer. 

Names of some employees : XXXX Account Manager Fraud and Disputes Employee Id : XXXX I cited federal and she told me it doesnt apply and instead cited Per terms and conditions ILLEGAL XXXX XXXX ID : : XXXX XXXX Fraud Protection Department XXXX XXXX XXXX US based Frauds and Disputes Employee ID : XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 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 HAVE ATTATCHED A COPY OF THE FTC FRAUD AFFIDAVIT FOR YOUR REVIEW I DEMAND IMMEDIATE REMOVAL AND CURRENT AND FUTURE BLOCKING FROM ALL ACCOUNTS AND CREDITORS 2. 1. Validation of the debt-that is the actual accounting. 3. 4. Verification of signed Invoice. 5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 6. Please provide the original docurse and wet signature if you can't provide these items Delete them.
Consumer complaint received 2022-08-29
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. (SC)

I have attempted to resolve this issue by phone with Equifax. Each time I have been placed on hold and then disconnected. 

These accounts do not belong to me and Equifax has failed to properly investigate these inaccuracies.
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I have outdated information on my credit report. Accounts are not reporting currently and last updates were XXXX 2015. It also shows my mortgage with XXXX XXXX as CLOSED and it is in fact OPEN and current! 

Their is a block on promotional marketing ( pre qual, pre approve, etc ... ) and I have requested at least 15 times to opt in to these and they wo n't remove the block. My address is incorrect and not reporting correctly and they refused to change it even after I submitted my documents
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX  The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
Consumer complaint received 2023-03-08
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. (WI)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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 more than Seven years.

15 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 a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (MO)

DEBT RECOVERY SOLUTIONS  Last reported XX/XX/XXXX {$1300.00} Open balance XXXX XXXX XXXX XXXX XXXX A Original creditor Opened XX/XX/XXXX ( XXXX mos ) Account status Open That's account was closed in XXXX almost 8 years ago. I haven't any received a notice from them in over 7 years. Now when I tried to dispute the credit they rejected it and then they re opened the account making it fresh again and not over XXXX XXXX XXXX. This is frivolous and scandalous. I have received no notification in the past 2 years nor in the past 5 years. 

This company is outrageous! Beware of there scandalous practice
Consumer complaint received 2022-08-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

XXXX was sold from XXXX XXXX XXXX  to Lakeview / XXXX XXXX. Went through forbearance period and was to roll passed due payments into new loan. After 4 months refinance package came and was returned. Lakeview/XXXX XXXX. Called to verify return. They said it was returned late. After talking at least weekly for XXXX months XXXX said to reapply next one said XXXX XXXX  mitigation would send another settlement package. I am still waiting and LakeviewXXXX XXXX XXXX is selling it to XXXX XXXX subservicing for Lakeview Loan Servicing , LLC XXXX I am so frustrated with constant run around and the XXXX interest since this nonsensical process was started.