davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ability Recovery Services, LLC (IL)

I am not liable for this debt with Ability Recovery Services , LLC. I do not have a contract with Ability Recovery Services , LLC. They did NOT provide me with the original contract copy as I requested. I have sent this company a cease and desist this company has refused to adhere to the federal guide lines by ignoring my request in my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not legally blinded/registered and or insured to collect in the state of Illinois ( IL ). Please have this company cease all collection activities this is my last attempt to complain outside of court.
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (MO)

I

n Accordance with the Fair Credit reporting Act. These companies have violated my rights : *15 usc 1681 secttion 602A States i have the right to privacy. *15 usc Section 604a section2 also states a consumer reporting agency CAN NOT furnish a account without my
written instructions. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXXXXXX ( XXXX )
Consumer complaint received 2019-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (CT)

To Whom It May Concern, The reason for my dispute is NCB MANAGEMENT SERVICE XXXX  was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, NCB MANAGEMENT SERVICE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) NCB MANAGEMENT SERVICE failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation NCB MANAGEMENT SERVICE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where NCB MANAGEMENT SERVICE is in compliance with OHIO LAW. I also have report this account to the FTC, and Columbus Police Dept.I need this collection account to be removed from my credit report.NCB MANAGEMENT SERVICE has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2018-12-24
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)

XXXX XXXX # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with XXXX XXXX  OR their client. I do NOT owe {$750.00} and I do NOT have 1 month terms and I DID NOT open an account with my signature OR their client. XXXX does NOT have my signature at ALL This intimidation tactic is ILLEGAL and the last time I checked, they WERE NOT allowed to place anything on ANYBODY 'S credit report. This needs to be DELETED immediately before I file my lawsuit!
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (GA)

AMEX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company. 

Inquiry was made on XX/XX/2022 by AMEX. 


I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social US SM BUS ADMIN ODA number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
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: EQUIFAX, INC. (NY)

It has been a battle going through this and I am writing to delete the following fraudulent 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 nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX and XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}
Consumer complaint received 2024-03-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (RI)

I originally transferred money into a Citi accelerate savings account ( XXXXXXXX XXXX  ) thinking I was going to be making 4.39 % on my money which then when I opened the account it then stated I needed to deposit more then XXXX a month in order to get the 4.39 %. Which is not possible for me. So I decided to wire the money back to myself to my main bank ( XXXX XXXX XXXXXXXX ) Citi bank then blocked all access to my account and I received a letter in the mail on XX/XX/2023 stating within 60 days of my account closing I would receive my funds. I have now been fighting with them since then trying to get my funds back and they tell me a different story everytime I call or they just hang up on me. I have letters, 1099 forms, and other screenshots showing the money is there or somewhere but they will not give it back to me its been now 6 months and still no luck.
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. (NY)

It has been a battle going through this and I am writing to delete the fraudulent information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete this item as soon as possible. XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00}
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to this companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. I have tried numerous times to have this situation resolved with no resolutions.. REMOVE THIS NEGATIVE ACCOUNT COMPLETELY FROM MY XXXX REPORT. BBY/CBNA XXXX
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: Experian Information Solutions Inc. (NY)

It has been a battle going through this and I am writing to delete the following fraudulent 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 nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX, XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}
Consumer complaint received 2022-03-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a dispute to Transunion LLC utilizing the format / template provided by the CFPB for disputes and although i provided all the required information they stated over the phone that they could not find me in their system because I did not provide a file number that i did not know about. However in the letter they sent me they stated I did not identify myself correctly and they were not going to process my claim/ dispute.
Consumer complaint received 2017-08-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp (CA)

On XXXX/XXXX/XXXX I went to my Lending Club account online to continue to sell the notes I have invested in. My account, I was notified, was locked because they needed additional information and would I send a copy of my utility bill. This seemed very strange but I complied. Today XXXX/XXXX/XXXX I received an email requesting a copy of my utility bill and a copy of my drivers license. When I called to inquire why they needed this information so that I could withdraw money from account they said - after a great deal of arguing- that my XXXX credit report address did n't match their information. This is very strange since I 've never had any problems with any credit report and my address has been the same for 17 years and I 've had the account with Lending Club for 4 years. It seems that I sent a payment receipt and not the actual utility bill on Sunday XXXX and that was acceptable. 

Lending Club has my money and is locking me out of it because they ca n't figure out where I live? They have my DOB and Social Security # ... they could verify it in a heartbeat. 

Are they going broke? How is this possible?
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: NAVY FEDERAL CREDIT UNION (GA)

Requesting for someone to contact the intuition to verify a simple payroll check. 

Greetings Inform them that my payroll check has been pending for three days. Faced a huge issue due to this, unable to pay anywhere and also not able to do any kind of transaction. I spoke to multiple Customer service Reps, after being neglected and feed fluff on multiple occasions. The last couple reps were kind and explained the matter. I've have experienced in digital support banking and understand the process, however the actions of The supervisor was unjust and not amenable.
Consumer complaint received 2019-04-16
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. (AZ)

I want XXXX XXXX, XXXX  and Equifax to add my current employer to my credit report. My current employer is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$200000.00}
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 — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I sent the letter below to all 3 credit bureaus. Experian, XXXX, and XXXX has yet to get back to me with an answer. It has been over 30 days. I would like to have these negative items removed from all 3 of my credit reports. 

Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you 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 assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Embassy Loans (NJ)

Between XXXX XXXX, I applied and received a {$2500.00} title loan from Embassy loans XXXX I used the money to pay my rent for my business at the time. It wasn't even the end on the month of XXXX, when they repossessed my car. I never had a chance to make a payment. I contacted the company in XXXX, and was told that i was supposed to make a payment with the first 10 days of receiving the loan.So for them to report on my credit to make it seem like I made 2 payments is beyond me. XXXX of 2021, when I went shopping for a vehicle, I notice the inaccuracies on this tittle loan. It wasn't fair to me that I wasn't given the opportunity to pay my loan off. Now, this has came back to haunt me.
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

Got a card from XXXX  XXXX and was approved for {$300.00}. Made a transaction and paid for it XXXX and tried to get approved for {$500.00} and was denied. XXXX XXXX closed my account XXXX and said I owed about {$900.00} and tried to collect on a debt paid. I just got a bill 2 week 's ago and they reopened a XXXX XXXX XXXX debt on my credit report with an attempt to collect money not owed.
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (TX)

This is a report on my XXXX credit card, like the first XXXX am also making payment on this card for more than 17 months and the card remain the same I make payments every month the amount remain the same I tried to call them to resolve the issue but they could not even though I stop using the card.
Consumer complaint received 2017-08-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XXXX mortgage discharged XX/XX/XXXX, XXXX sold mortgage XX/XX/XXXX to XXXX. XXXX files bankruptcy XX/XX/XXXX. XXXX reports loan discharge XX/XX/XXXX.Loan paid off XX/XX/XXXX. XXXX reports discharge XX/XX/XXXX -4 years after discharge, 6 months after 100 % payoff yo XXXX. 
Experian refuses to correct in spite of overwhelming documentation to the contrary. 
XXXX writes they have no record of loan. 
XXXXC Has no record. 
XXXX duplicates mortgage chap XXXX discharge. 
XXXX claims issue is XXXX 'S.
Consumer complaint received 2015-07-15
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF THE WEST (WA)

We purchased a travel trailer from a private party. They paid off their loan with Bank of the West in XXXX XXXX, OR on XXXX XXXX. Bank of the West wrote a letter to their borrower on XXXX XXXX stating they should have their title in about 10 days. It has been 27 days since that loan was paid and we ( the buyer of the travel trailer ) still do not have the title. Totally unacceptable that we can not use something we have purchased.
Consumer complaint received 2022-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

BSI is violating the terms of the CFPB XXXXonsent order https : //www.consumerfinance.gov/about-us/newsroom/bureau-settles-bsi-financial-services/ specifically : " Handling mortgage servicing transfers with incomplete or inaccurate escrow information resulting in untimely escrow disbursements ; Inadequately overseeing service providers, resulting in untimely escrow disbursements to pay borrowers property taxes and homeowners ' insurance premiums ; '' Clearly BSI continues to mismanage escrow disbursements, and CFPB needs to investigate BSI for ongoing malfeasance.

As an example, my current situation relates to an ongoing issue which BSI refuses to acknowledge - either through incompetence or willful ignorance. My impound account shows three debits of {$2500.00} for property tax ( actually four debits and one credit - all for the identical amount- so the net number of debits is three ). However, only two tax payments should have been made at that dollar amount. This means that there is an ERROR IN THEIR ACCOUNTING FOR MY IMPOUNDS. They should also investigate POTENTIAL FRAUD OR EMBEZZLEMENT from within BSI - since there is no reasonable explanation for the debit, and their ongoing reluctance to address this problem is clearly a concern. The attached documents are : - copies of my property tax bills showing dollar amounts and that only two payments of {$2500.00} were needed. - a copy of BSI 's prior response, the final page I have highlighted FROM THEIR RECORDS the property tax payments at issue. 
Also an image of my XXXX tax bill showing XX/XX/2020 tax dollar amount - further proof of BSI 's efforts to misinform ( i.e. also attached tax record proof that XX/XX/2020 taxes were paid XX/XX/2020 - SIX MONTHS BEFORE BSI WAS EVEN SERVICING THE LOAN. but none of that matters since my taxes were up to date BEFORE BSI bought my mortgage )
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX ACCOUNT # 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 an account without my written intrusions.
Consumer complaint received 2022-04-14
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX  Account numbers : XXXX  XXXX XXXX  XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX  XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX have violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

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