davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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)

I sent my letter off on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letters I sent out here are the tracking number XXXX XXXX XXXX XXXX XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode lo living is obtained through personal interviews with neighbors, friends, or associates of the consumer of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is it possible if they did not do the proper investigation according to the law. Also, every piece of information on these accounts still are not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (NY)

I cancelled my car insurance with XXXX XXXX and my apartment insurance. Now when I receive a letter and called them I get a young man threaten me and will not listen that I cancel the policy before XX/XX/2022. This company has been unprofessional once I sign up last year. All i heard in the background was baby crying like he was at home no professionalism and would not listen.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I am absolutely sure that the regulatory agent XXXX XXXX letter to the CFPB dated XX/XX/XXXX are 100 percent lies and mislead the CFPB to close 8 complaints and she must be held responsible and thereafter countless employees at Bank of America confirmed my claims as XXXX, XXXX, XXXX and an known XXXX fake claim an known fraud scheme by all involved employees. The claim was entered into the system and I were informed it was approved as XXXX then an supervisor XXXX told me one early friday morning around XXXX that someone came along and handwritten an XXXX dollar claim onto of your XXXX claim and there aint even an XXXX transaction on your account. 

Then here comes XXXX a loose cannon while I am in an totally different conversation I WILL STRAIGHTEN THIS OUT, I WILL FIX THIS BECAUSE THIS HAS THE XXXX TRANSACTION ON IT AND XXXX IN THE ACCOUNT IS YOUR MONEY. I WILL PUT ALL YOUR IDENTIFIERS HERE ON XXXX. ALSO MENTIONED WAS XXXX AND XXXX AND MY ACCOUNT IS XXXX. 

Then on XX/XX/XXXX XXXX I spoke to XXXX and he said your money were put into an XXXX XXXX XXXX of XXXX account instead of XXXXXXXX XXXX XXXX  XXXX there after 4 women told me that they had frozen the account and that they were trying to get the money back into my account 1. XXXX 2. XXXX i remember.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

Account info Account name XXXX XXXX Account number XXXX Request for Removal of Unauthorized Inquiry Pursuant to FCRA Section 1681b ( a ) ( 2 ) Experian XXXX XXXX and XXXX XXXX I am writing to complain an unauthorized inquiry that appears on my consumer credit report. Pursuant to Section 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I did not provide written instructions or consent for the disclosure of my personal information for the purpose of obtaining a consumer report. This unauthorized inquiry is in violation of FCRA regulations and constitutes potential identity theft. The unauthorized inquiry has resulted in credit denials, causing significant financial harm and potential damage to my creditworthiness. Under Section 1681n-B of the FCRA, I am entitled to pursue civil liability for willful non-compliance, with potential damages of up to {$1000.00}. In accordance with FCRA guidelines, I request the immediate removal of this unauthorized inquiry from my consumer credit report. Removing this inquiry is essential to safeguarding my identity and protecting my credit standing. I kindly request a thorough investigation into this matter and prompt action to rectify the unauthorized inquiry. Upon completion of your investigation, please provide written confirmation of the removal of the unauthorized inquiry from my consumer credit report. Thank you for your attention to this urgent matter. I trust that you will handle this complaint in accordance with FCRA regulations and take appropriate steps to resolve it promptly. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SANTANDER HOLDINGS USA, INC. (MA)

I had funds in my account with Santander Bank that exceeded my Rent Check amount that I wrote on XXXX, XXXX, 2022. I set a transfer on Monday XXXX, XXXX, 2022 from one of my Santander Accounts to the one the check was written for to make sure that account stayed over the amount of my check amount of {$1400.00} for rent. I made multiple deposits until the XXXX, and Suddenly that night Santander charged me {$35.00} insufficient funds fee, when my current and available balance was over {$1400.00} with the supervisor claiming " your XXXX XXXX XXXX purchase of {$28.00} caused this, you having enough for groceries and rent, Tech support cant figure out why you were charged an overdraft fee, and we apologize that your check was returned, and charged an addition {$35.00} for returned check fee. '' I was charged {$70.00} in 24hrs due to HIGHLY ILLEGAL TRANSACTION MANIPULATION to squeeze money out of only god knows how many other customers they do this to on a daily basis. XXXX XXXX XXXX I had more than enough money to cover all of my expenses, had I never banked here and did transactions in cash, simply because I wanted the convenience of online banking I was made victim to shameless transaction manipulation of my checking account to charge me fees illegally, the company going as far to say, when you transferred money from one account to the other, " You must have selected the XXXX for the transfer date. '' I do these account to account transfers all the time, and never have I " accidently '' changed the transaction date. They are either reading from a script to maintain a quota of " Fee Collection '' and trying to keep customers quite or trying to keep their job from nefarious business practice initiated from higher ups. 
***For the record*** I maintained a positive balance each day until the transaction manipulation took place, and suddenly my {$1400.00} transfer from one account to the account the check was written for *disappeared* according to tech support.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I am writing to request the method of verification for dispute initiated on ( XX/XX/year> ) and the subsequent response received. 

RE : XXXX XXXX XXXX XXXX debt, XXXX Please send the following information used to verify of XXXX XXXX XXXX XXXX debt XXXX. 

1 : The name of the original creditor 2 : The creditors address and telephone number 3 : The persons name they verified the dispute with 4 : The documentation used to verify the dispute 5 : any signature verifying the debt claiming to belong to me In accordance with FCRA, Section 611. I am requesting this information to review completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlying the steps that will occur to receive this matter. If I do not receive a response I will have no choice but to excise my right under FCRA. Section 616. And pursue legal action.
Consumer complaint received 2022-05-03
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. (NC)

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, 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 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 by 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I have a 30 year fixed mortgage backed by XXXX XXXX with XXXX, Loan Number XXXX. I always pay on time, before the XXXX of each month. Recently, I have been charged a " convenience fee '' if payment is made between the XXXX and the XXXX of the month the payment is due, despite its timely payment for the month. 

I believe that this is an illegal fee. XXXX XXXX XXXX
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (AL)

I have sent them receipts for money they are saying I owed. They are continually harassing me through emails, mail and phone calls. They initially said I owed them money for past due rent and when I sent in the payment confirmations for each month, they turned around and told me the debt was for something else. I also sent them receipts and proof of payment for those too.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

The credit bureaus all have false and or misleading information on my reports which is a direct violation of my rights, this is grounds for removal, my rights were violated under ; 15 U.S.C 1681 section 602A. 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. 

XXXX XXXX XXXX XXXX mi XXXX, XXXX XXXX XXXX XXXX XXXX XXXX michigan XXXXXXXX XXXX XXXX XXXX XXXX mi, XXXX XXXX XXXX XXXX XXXX XXXX Four different variations of my name its only " XXXX XXXX '' this the only name with consent to be on my reports. 
Phone numbers XXXX, XXXX, XXXX, XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX as you can see multiple violations on behalf of my rights.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

The credit bureaus all have false and or misleading information on my reports which is a direct violation of my rights, this is grounds for removal, my rights were violated under ; 15 U.S.C 1681 section 602A. 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. 

XXXX XXXX XXXX XXXX mi XXXX, XXXX XXXX XXXX XXXX XXXX XXXX michigan XXXXXXXX XXXX XXXX XXXX XXXX mi, XXXX XXXX XXXX XXXX XXXX XXXX Four different variations of my name its only " XXXX XXXX '' this the only name with consent to be on my reports. 
Phone numbers XXXX, XXXX, XXXX, XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX as you can see multiple violations on behalf of my rights.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

this message is for Transunion. I spoke with an agent at XXXX XXXX on XX/XX/21. I am guessing he is the manager of the loan department. this person sent me the following : Hello XXXX XXXX, Thank you for contacting XXXX XXXX regarding paying off your loan number { XXXX Loan ID }. You may pay off your loan at any time without penalties or fees. 

The payoff amount today, XX/XX/21 is $  close written off Interest accrues daily, so this quote is only valid if full payment is made today. 
He told me that the loan is showing as closed and zero balance. I told him i wanted them to report to the credit bureau that the loan is paid in full and to delete. he said he has nothing to do with that only the credit bureaus can do it. I asked him to email me a letter saying it is now paid off because transunion has the account as charge off and i want the charge off status removed and the account deleted
Consumer complaint received 2019-03-20
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. (IN)

XXXX has failed to validate these accounts on my credit report. As seen by several attempts, XXXX has either overlooked or ignored my requests several times to validate these accounts. Yet, they continue to report these account to my credit reports. 

XX/XX/2019 & XX/XX/2019 i sent a request for validation to XXXX & XXXX XXXX asking for an instrument of indebtedness.Both XXXX & XXXX XXXX have failed to respond correctly to each of these letters. XXXX XXXX never responded and XXXX responded " stating that if i wanted to discuss this account to contact them '' ... ... ... but I'm making contact with you through the letters, this response was in response to correspondence I sent YOU ... 

XXXX is reporting these accounts to my credit reports without validation to me, without an instrument of indebtedness showing that these accounts are indeed mine. 

Futhermore, when i have disputed with the credit bureuas experian, transunion and equifax ... they have all came back and said that the accounts have been verified but none of them can show any proof of what that means. 

IT HAS NOW BEEN BEEN 107 DAYS SINCE I SENT MY FIRST REQUEST FOR VALIDATION TO XXXX AND XXXX XXXX AND TO THIS DAY NEITHER HAS VALIDATED THIS ACCOUNT, NEITHER HAS SHOWN THIS INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM. 

XXXX is falsely reporting open and closed accounts on my credit reports. 

The following accounts are being falsely reported. 

RE : Account # # XXXX ( All accounts fall under this umbrella ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
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. (VA)

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (UT)

I attempted to start the loss mitigation process with the help of a housing counselor the beginning of XXXX. I submitted my application on the XXXX with the supporting documents. I soon received a response letter with a list of missing items needed to deem my application as complete on XX/XX/XXXX. They needed me to sign my previous year 's tax returns and resend them, a copy of my W2 for XXXX, to continue sending my bank statements until my file was deemed as complete, and a detailed letter explaining any non-payroll deposits totaling over {$500.00} showing on my bank account, and to keep sending in my current pay stubs until my filed was deemed as complete. I also was given a point of contact with the number and extension to reach her if I had any questions, or concerns with the loss mitigation process. 

After sending in the documentation, I soon received a follow up letter with additional items needed for my application to be deemed complete on XX/XX/XXXX. They needed me hand sign my hardship letter and re send it to them, and to send in the last 3 bank statements for the account showing on my most recent tax return. I had opened the account showing on my return only for tax refund purposes, and for that reason, I didn't have 3 months worth of statements at the time. I called multiple times trying to get a hold of my point of contact but the phone number that i was given didn't let me dial any type of extension. I called on my lunch breaks to try to get a hold of really anyone in the loss mitigation department just to be on hold for 30+ minutes to get sent to a voicemail stating that someone would be in contact within 48 hours. After leaving my information I still received no call backs. I submitted the bank statement I did have, and wrote with the document description that the account was only opened for refund purposes. The documentation for the application was marked as completed by someone, then quickly was marked incomplete again by my point of contact with an additional followup letter that was requesting the 3 months worth of statements again. 
I spent phone call after phone call on hold, trying different numbers founded on the lenders website, and talked to a couple different people who tried to put me in touch with the right person. I was finally able to get a hold of someone in the right department after waiting 45 minutes on hold. I explained my situation and he looked up my account, and told my the best thing to do would be to write a letter explaining the situation and upload it to my portal. 
I wrote the letter and submitted it on XX/XX/XXXX then someone had closed the request for assistance on the XX/XX/XXXX.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX is currently reporting negatively on my account. This was a grant from a school that I attended XXXX. I paid the debt in full and it is still illegally being reported.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-09-16
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. (NY)

I have sent Transunion A dispute letter in XX/XX/2021 with no action and proper investigation has taken place. They took off two account but deletion is admission to error and they must pay my invoice and remove the other accounts. I sent another dispute with evidence showing the errors on my credit report since XX/XX/2021.
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (PA)

https : //www.coinbase.com/ ad stated ion their website that when any consumer opens account with them, they will give {$5.00} worth of bitcoin after their information gets verified.. 

We went ahead and provided all of the personal information including driver licence number and other information and went through the process over a month ago now and we still do not see {$5.00} XXXX  deposited in the account that we created. 


We have made multiple attempts to reach them via their Support email, but all we get is a generated ticket # and then no ones responses.. there is no customer service number.. 

The last ticket that we created is XXXX # XXXX - " Where my {$5.00} Free XXXX '' Someone needs to look into this company and find out why they are nor honoring what they are stating in their ad and collecting personnel information from the consumer..