davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-08
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. (VA)

On XX/XX/2021 Collection account has been wrongfully placed on my consumer report By your office and you are being held responsible from here and your current reporting is : XXXX XXXX of the amount of {$650.00} whom this may concern i want to inform your office that you are in violation of the fcra, you have violated my rights by reporting false inaccurate information by the placing this false account on my consumer credit report. The collection that is being reported hasnt been opened by me, I have no knowledge of the account be advised by law I have the right to PRIVACY and you credit reporting agencies have violated it by the accused collection account and date FOLLOW AS XXXX XXXX  BY LAW WHEN A CONSUMER DISPUTES WITH A CREDIT REPORTING AGENCY THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION. THE CREDIT REPORTING AGENCIES AS FOLLOW IS XXXX, TRANSUNION, XXXX IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the 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 insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched *DEBT DISCHARGED Debtor Not Liable XX/XX/XXXX USAA MASTERCARD XXXX ( * NEVER CLOSED ) See attatched XX/XX/XXXX Confirmation Settlement Letter. See attatched USAA statement Mastercard ending XXXX left owed {$100.00} ACCOUNT OPENED ( XX/XX/XXXX * OPENED WITHOUT MY PERMISSION OR AUTHORIZATION ) ( * NEVER CLOSED ). USAA coverted this into Visa XX/XX/XXXX ( * OPENED WITHOUT MY AUTHORIZATION OR PERMISSION ). ( ** NEVER CLOSED ) Current visa card ending XXXX of XX/XX/XXXX ( *NEVER OPENED WITH MY AUTHORIZATION OR PERMISSION ) See attatched FRAUD XX/XX/XXXX * NO USAA PERMANET CREDITS APPLIED. AS STATED IN LETTER OF XX/XX/XXXX. USAA HAS NEVER RESOLVED ANY OF THIS EVEN THOUGH THEY CLAIM THEY HAVE. This Visa   card I did not authorize has been fraudulent since first used XX/XX/XXXX AND IT ALL IS STILL ( CONNECTED TO ACCOUNTS NEVER CLOSED ). USAA HAS DESTROYED MY CREDIT FOR YEARS AND YEARS. NEVER ANY TRUTHFUL RESOLVE. 
I DID NOT OPEN THESE ACCOUNTS USAA HAS FAILED TO CLOSE OR THE ONE I USED XX/XX/XXXX. How are they opened without me? The same way USAA makes fraud reports I did not make? Or the SAME way USAA MAKES PAYMENTS ON THESE ACCOUNTS I NEVER OPENED AND DID NOT AUTHORIZE XX/XX/XXXX STEALING ALL MY SOCIAL SECURITY WITHOUT MY AUTHORIZATION OR PERMISSION?
Consumer complaint received 2024-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MN)

JEFFERSON CAPITAL SYSTEM REPORTED ON MY CREDIT BUREAU THAT I OPENED A XXXX ACCOUNT ON XX/XX/year> ( 3 MONTHS ) AND IT WAS PLACED AS A COLLECTION ITEM IN MY CREDIT HISTORIES. 
I DID NOT OPEN ANY ACCOUNT WITH XXXX. 
IT MUST BE A MISTAKEN IDENTY. 
I AM REQUESTING THAT JEFFERSON CAPITAL SYSTEM REMOVE THE COLLECTION FROM ALL CREDIT BUREAUS WITH IMMEDIATE EFFECT AND THEY SHOULD SEND ME THE ORIGINAL CONTRACT SIGNED BY ME WITH THE ORIGINAL SIGNATURE, THE NAME ON THE APPLICATION, AND THE ADDRESS INCLUDING ANY SUPPORTING DOCUMENT FOR THE APPLICATION.
Consumer complaint received 2020-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (FL)

Iam in the process of getting a mortgage, and the lender pull my credit and told me that an apartment complex I use to stay at back in XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX had a derogatory account for listed on my credit and was the original creditor for the account. I know I had to use my PCS ( Permanent Change of Station ) orders to break my lease with them when I PCS 'd out of XXXX, XXXX to XXXX, XXXX. in XX/XX/XXXX which is protected by law. When XXXX XXXX military has orders to leave they have to leave, it is not an option. I called XXXX XXXX XXXX XXXX XXXX on the XX/XX/XXXX after I got off work and explained the issue to the assistant manager and she said they were under new management, and could not say who was the management back in XX/XX/XXXX, and could not provide me with any point of contact to resolve the issue. I spoke with a US XXXX attorney and he spoke with the assistant manager and again she could not provide a company name or point of contact to resolve the issue, and the manager also said she didnt see anything suggesting debt discrepancy on file for me with the courts. The mortgage company says I have to get this cleared off my credit before I close on my new home on XX/XX/XXXX, and im sure this has been affecting my credit for sometime since XX/XX/XXXX. The US XXXX attorney said the consumer financial protection bureau can have this removed from my credit because no company wants to own up to it to resolve the issue and its a wrongful debt because you can break a lease with PCS orders.
Consumer complaint received 2021-10-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A. (VA)

PNC bank states to XXXX credit bureau that {$160.00} written off ; {$560.00} past due as of XX/XX/2019. This is not true, a delinquency was a delay in an insurance claim.
Consumer complaint received 2021-10-15
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: EQUIFAX, INC. (IL)

Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX  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 XXXX  i spoke to a representative agent name 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 five negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts 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 XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I sent the credit bureaus letters asking them to verify the debt on my report on XX/XX/2022. They sent back letters in XX/XX/2022 stating that everything was verified correctly. I requested my credit report, and it is still showing inaccuracies. 

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 reasonable cause to believe that the data is inaccurate. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (IL)

PLEASE BE ADVISED THAT : XXXX XXXX XXXX, XXXX AGREED OR WAS ORDERED BY CFPB TO REMOVE from my CREDIT REPORT ( seXXXX CFPB Ref. # : XXXX filed on XX/XX/2017 ) this so-called " XXXX XXXX XXXX XXXX Collection Account '' for the same $ XXXX-based on the detailed facts of my previous dispute. Also, I CLOSED this " XXXX XXXX XXXX Account '' because XXXX XXXX XXXX STOPPED providing me the contracted wireless services and replacement of my phone, despite the fact that I CONTINUED TO PAY for over FIVE MONTHS the Bill for unused wireless services and Insurance, hoping that XXXX XXXX XXXX would do the right thing. 
Accordingly, DIVERSIFIED CONSULTANTS, being a successor-in-title of this so-called " XXXX XXXX XXXX Collection Account 0f {$1200.00} '' CAN NOT ( as a matter of law ) have acquired a XXXX XXXX from XXXX XXXX XXXX, XXXX ( the predecessor-in-title ). This is a fundamental principle of Common Law, and indeed, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX case law. Especially so, when DIVERSIFIED CONSULTANTS ought to have had CONSTRUCTIVE NOTICE ( i.e. if proper due diligence had been conducted ) of the cited CFPB Complaint Ref. # : XXXX because it is PUBLIC RECORD easily accessible on the CFPB Website.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data
Consumer complaint received 2019-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On Tuesday, XX/XX/XXXX, I was unable to logon to my USAA account via the mobile app. I then tried from a desktop and received the following message. 
Due to past difficulties, we can no longer offer you access to usaa.com. If you feel that we have restricted your access in error, please call toll-free XXXX. 
I called the number and was told they were unable to restrict my account and I needed to speak to someone in regards to my account. I suspected it may have been because I installed the mobile device on my new phone and perhaps USAA wanted to confirm it was intentional and not fraudulent. I spoke to someone regarding my checking and stated that USAA chose to close my accounts and I should be receiving a letter and a refund check that was set to mail on XX/XX/XXXX. When asked what specific reason USAA had for closing my account I was told again USAA chose to close my account. 
Today is XX/XX/XXXX and I should have received the letter and check. I live in XXXX XXXX where the bank is housed. I called and spoke to XXXX and was told I can get access to the letter via USAA.com.  I informed her my access was not granted. She said they will mail out another letter to me and my funds will then be sent to me in thirty ( 30 ) days. I asked why this is now different from the information I was given on Tuesday. Additionally, I was not notified of the closing and I have been going without access to my funds. I have no money for gas or groceries until my next pay day.Again, I asked why my account was closed and she, like the other rep, stated USAA chose to close my account. I was also informed it takes 30 days to review all my LOBs with USAA, which is only checking and savings, before a refund will be issued to me. Also, after checking with her back office she said a letter from them typically takes 7-10 days to be received once mailed. I informed her we are in the same city and only a zip code away. The letter should take two days tops to be received from mailing date. 
My main concern is that I can not be told the reason for the account closure. Additionally, it has left me without money for gas to go to work. Today I have opened an account elsewhere but will not have access to any funds until my next pay day on XX/XX/XXXX when my payroll hits. 
I have worked for over 20 years at financial institutions, including USAA FSB, and I have never experienced this level of service. People who have had excessive overdrafts, bankruptcies and even in the repossession process are allowed to withdrawal funds to survive and prior to closing their accounts.
Consumer complaint received 2019-04-14
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)

I am contacting you because XXXX is reporting things on my credit report that do not belong to me and I have already submitted a police report and added a fraud alert on my credit report my score dropped 45 points for an account that doesnt belong to me and that was fraudulently opened. I want this fraudulent account removed at once because it does not belong to me and I had no knowledge of it being opened and it is fraud and I want it removed from my credit report at once because its fraud and does not belong to me. This is the account I want removed it is fraud and does not belong to me. XXXX XXXX XXXX XXXX Opened XX/XX/2018 + {$390.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Also I keep asking them to update balances on all my accounts which they refuse to do XXXX XXXX  and experian are purposely reporting inaccurate balances on my accounts in order to keep dropping my score these three companies have been doing this to me for sometime I have contacted XXXX XXXX news and they are following my contact with you into this matter as I am XXXX XXXX and a single mother and its time these fraudulent companies be made to treat people fairly here is a list of all the account balances that need to be updated
Consumer complaint received 2021-10-15
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sterling Credit Corp. (GA)

I was contacted in XX/XX/2018 by XXXX XXXX XXXX ( Address : XXXX XXXX XXXX, XXXX, PA XXXX ) that I have a credit card payment to make. I initially thought it was a scam call as I never heard of XXXX XXXX XXXX before. When I called them they said they are not receiving payments and I am the owner on the account. I said I never owned XXXX XXXX XXXX 's credit card and asked them to email me the original credit card application which they did. I contacted them right away as I notice the signature on the credit card application was not mine and my ex-husband put the signature for joint owner. I disputed this credit card and questioned XXXX XXXX XXXX how did they add my name without taking my permission. I filed complaint with XXXX XXXX XXXX police about this and I clearly mentioned that the signature on the application is not mine and emailed the affidavit to XXXX XXXX XXXX. In-spite of doing all this, XXXX XXXX XXXX didn't remove my name and now they sold the account to XXXX XXXX XXXX ( Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX ). Now I am receiving collection calls and letters from XXXX XXXX XXXX. I would like you to take action on XXXX XXXX XXXX which made a mistake of adding my name to Credit card without taking my permission and started bothering me when they stopped receiving payments from my ex-husband. It is causing so much stress and pain and affecting my daily life. Though I am innocent here, I am being punished with these phone calls and letters. Please take appropriate action on XXXX XXXX XXXX as they made mistake of adding me without my knowledge and for harassing me. No credit card company or lender should get away for their own mistakes and harassing innocent people I condemn XXXX XXXX XXXX 's attitude and behavior towards me in this whole process and question their policies for issuing credit cards and XXXX XXXX XXXX for calling and threatening me with their phone calls and letters
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

Todays date : XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXX MIDLAND CREDIT XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MN)

I bought an XXXX XXXX from Best Buy in XXXX XXXX using Citi Credit card issued by Best Buy itself. I paid off my balance in XX/XX/XXXX. I was surprised to hear Citi contacting me to pay some {$200.00} that they said I had not paid. They contacted me for the first time since last year only in XX/XX/XXXX, a month ago. 

As soon as I received the notice from Citi, I called Best Buy if, indeed, I still owed them since I paid off last year. Their answer : " You don't owe us anything. '' Citi has now sent my account to collection. This obviously is not fair and is wrong. I have called Citi several times with no help forthcoming, despite the fact that I had to wait several minutes for someone to talk to me. A lot of times it was their machine that talked back to me and I had to give up. I appreciate your help to protect my excellent credit history/ record. 

Thank you
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2021 I paid off the balance of my Bank of America Visa credit card in the amount of {$10000.00} using their online website. The amount was debited out of my checking account with my approval. HOWEVER... for some reason, Bank of America duplicated the debit from my checking account on XX/XX/2021 again in the amount of {$10000.00} therefore putting me in an extreme financial bind. I am not wealthy! I called Bank of America on XX/XX/2021 and spoke with an agent who advised they would initiate the process for the credit balance of {$10000.00} to be deposited back into my checking account in 3-5 business days. After not receiving the deposit I called Bank of America back on XX/XX/2021 and spoke with a " Manager '' named " XXXX ''. XXXX advised he would be looking into it and would call me back in 45 minutes to an hour. I never received a call back that day, nor the next day. I need my money back, it is over {$10000.00}!!!!!! Who does that?!?!?!?! I'm beyond irate and will more than likely be contacting a lawyer. This is FRAUD and ABUSE.