davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (IL)

I closed my two accounts back on XX/XX/XXXX this year because I relocated to XXXX, Illinois, and there are no US bank branches nearby. I requested that a check of each account is sent to my new mailing address. I never received a check, so I contacted the 24-hour customer service ( I initially contacted the branch office, which is located on XXXX XXXX, XXXX, MN, where I opened the accounts, but I was directed to contact the 24-hour customer service ) and was told that two checks had been sent to my residence. I never received any of the checks. 
They told me that I had to fill out two Declaration of Loss forms. I filled out the forms and sent back in the provided envelopes.The address shows XXXX XXXX XXXX and I believe its address is XXXX XXXX XXXX, XXXX, MN XXXX. 
Since then, I have received only one check of {$100.00} from my checking account, but not for the balance ( {$2600.00} ) on my savings account. 

I contacted the XXXX branch office where I opened my accounts and the 24-hour customer service many times, and the XXXX XXXX. ( I have all the records. ) However, the 24-hour customer service put me on hold for over 30 minutes and never returned. I left numerous messages on the voice mail of XXXX XXXX, but I have never received a single response. The branch assistant office manager told me that they could not help and told me to contact the XXXX XXXX. ( I can give her name if needed ). I noticed that the check for my check account of {$100.00} was issued on XX/XX/2019, by XXXX XXXX located on XXXX XXXX XXXX , XXXX, XXXX, MN, which is in the corporate office building. 
I am also attaching the Declaration of Loss forms to this mail. 

Many thanks in advance.
Consumer complaint received 2019-10-07
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (KY)

Shellpoint Mortgage illegally trespassed in a attempt to collect a debt not owed. 

On XX/XX/XXXX a representative of Shellpoint Mortgage illegally removed locks from my doors, shut off my utilities, removed plumbing and said to me my house was being foreclosed on. The police were called and the representative of Shellpoint Mortgage told the police I was being foreclosed on. 

I DO NOT NOR HAVE I EVER HAD A MORTGAGE WITH ANYONE SHELLPOINT MORTGAGE REPRESENTS. 

I purchased the home from the XXXX County Kentucky Master Commissioner over three ( 3 ) years ago. Any rights of a lender would have been released at that time. I have since found out that Shellpoint Mortgage is trying to collect a old debt from a previous owner.

Since the XXXX Shellpoint has come back and put more stickers on my doors.
Consumer complaint received 2019-10-07
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. (FL)

I was checking my credit report in XXXX XXXX and it appears a balance from XXXX XXXX XXXX of {$8200.00} that was opened on XX/XX/2014.Its been reported by Equifax. I've been sending dispute online and by phone to Equifax but they keep getting the response that is mine from XXXX XXXX XXXX. 
I called XXXX  XXXX XXXX and talk to the fraud department and they don't have any account that belongs to me but they advise me that I have to contact Equifax, they are the one that can do something about it. 
I am a little desperate cause I'm buying a house and this is preventing me to go through the process.
Consumer complaint received 2019-10-07
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. (PA)

I previously sent ( 4 ) certified dispute letter requests dated XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019 to either verify and if could not be verified to by law remove all inaccurate information from my credit report. I received responses stating information was verified. How was the information verified?, if my request for a copy of signed documents with my signature could not be provided?
Consumer complaint received 2020-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc. (SC)

NCB Management Sevices company is practicing illegal collection activity and also inaccurate credit reporting. Back in XXXX of XXXX I contacted this company after I noticed they put a collection account on my credit after I filed chap XXXX Bankruptcy and discharged as of XX/XX/XXXX. I contacted them and filed a XXXX  report. I rec 'd a letter from the Chief Compliance Officer by the name of XXXX XXXX, and it states verbatim that they ( NCB management ) will remove all things that are reporting on my credit for all 3 bureaus effective immediately. They did state that it could take up to 60 days. I look in XXXX of XXXX and everything was removed. Well last week around XX/XX/XXXX, I looked on my credit because I go an alert and yes, the item they removed in error was back on my credit. When I called them yesterday XX/XX/XXXX, they acted as if they had no clue what I was talking about. I req 'd to speak to a manager. His name was XXXX and he said it was put on my credit again XX/XX/XXXX. I told him that was the same date of the letter sent by XXXX and they are practicing illegal collection and reporting practices and I'm going to report them again. So here we are and I need to know why this collection company is still in business and making false claims against my credit with no regard. I would like this addressed immediately.
Consumer complaint received 2018-03-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Good Morning, A third party collection agency by the name of XXXX XXXX XXXX is affecting my credit monthly and it has now become so ludicrous that I was advised by XXXX to file a complaint. As of today there are three debts in the amounts of {$1300.00}, {$930.00} and {$950.00} that was placed on my credit back last year which caused my credit score to decrease drastically at that point. Every month XXXX XXXX XXXX has been purposely deleting and then re-adding the debts back which in return causes my credit score to decline even more. XXXX   and XXXX have both looked into this issue and have blocked this Agency for placing anything on my credit all together. XXXX have failed a misuse claim as well. XXXX has performed this tatic on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and once again on XX/XX/XXXX. 

I ask that you look into this a resolve this within a timely manner.
Consumer complaint received 2018-04-11
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: EQUIFAX, INC. (VA)

I have call XXXX and told Them That XXXX  XXXX XXXX XXXX shouldn't be showing on my inquiry on XX/XX/XXXX because I haven't apply for no service with XXXX  XXXX an they told me that they can't remove. An I don't have no cell phone service with XXXX I have XXXX XXXX XXXX service This is what is listed on my inquiry : XXXX XXXX XXXX XXXX -XXXX XXXX EQUIFAX inquiries listed incorrectly doesn't belongs to me XXXX   XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX incorrect inquiries don't belongs to me XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-06-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting a balance on a collection I have already paid. I paid this collection in full but it is still displaying on my credit with a balance and it needs to be removed.
Consumer complaint received 2022-06-11
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. (GA)

In accordance with the Fair Credit Reporting act 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 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 2022-05-03
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: Experian Information Solutions 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, 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 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Waypoint Resource Group, LLC (UT)

Waypoint Resource Group # XXXX is reporting a balance on a collection I have already paid. I paid this collection in full but it is still displaying on my credit with a balance and it needs to be removed.
Consumer complaint received 2021-12-06
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX {$0.00} CAP XXXX XXXX {$0.00} XXXX {$0.00} XXXX {$22000.00} XXXX {$22000.00} XXXX XXXX {$420.00} XXXX Bankruptcy XXXX Amount : XXXX
Consumer complaint received 2020-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (AZ)

XX/XX/2019 opened an account with MTB Bank. I was able to successfully open the account and also make 2 small  deposits totaling XXXX cents from my other bank institution so they can verify the deposits and allow me to make transfers back and forth. 
My account was immediately locked by MTB until they received a copy of my ID and social security card. I sent a fax with my prior year tax returns and a copy of my license but MTB said they needed a copy of the actual card ( I lost it ). 
I am trying to close my account as I haven't had time to obtain a new SS Card and MTB is telling me they can not close it because it has a balance of XXXX cents. The problem is I can not withdraw the XXXX cents because the account is locked. In addition they have been charging me service fees ( without my knowledge ) without even being able to access or close this account.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IN)

Last year Citi changed to a new system to handle external account transfers from their savings accounts to their customers local bank. My local bank, which was previously listed as an external account, was not able to be added. As such I am unable to transfer funds to my local bank with this system. I was told that this is a known problem that was occurring with some accounts. I have worked with their tech support for months trying to correct this but they have not been able to fix the problem. I can do a wire transfer but there are fees to do this. I am supposed to be able to transfer up to {$20000.00} monthly with no fees. Today, after working with their tech support and making no progress, I requested that they close my account, transfer the funds to my local bank checking account and cover any related fees. I was transferred to another individual who never picked up the call.
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act 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 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 2023-04-07
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. (TX)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Experian is governed by 15 USC 1681. And they violated my rights numerous times. I demand this account below be removed. 

XXXXXXXX XXXX & XXXX. 
Account number : XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish this account.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  # 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 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 2019-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CreditNinja Lending, LLC (WI)

I received a XXXX file report and do not recongize this company .... it makes sense now because around that time, I was receiving emails from Credit Ninja saying more informaton is needed to process the loan, but i never started any loan process with any company recently. 

Time - XX/XX/19 Merchant Name - Credit Ninja XXXX Response - Account Opening Inquiry
Consumer complaint received 2022-06-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX I received a copy of my credit report and noticed some accounts that were not mine. On XX/XX/XXXX I sent in some dispute letters to the three credit bureaus ( Transunion, XXXX and XXXX ) asking to validate the inaccurate information on my credit reports especially the accounts that were not mine. I know they have 30 days to respond so I waited. I did not recieve any response from my investigation request but from Transunion. Transunion sent me a letter stating they recieved my dispute but it didnt seem like it came from me but a credit repair agency, so they were not going to move forward with any investigation. I responded back to them by mail that the letter cam from me and I would like to have the items investigated. Still no response. On XX/XX/XXXX, I sent another set of letters to all three credit bureaus asking for validation of the debt on the same accounts. I once again recieved a letter from Transunion stating they recieved my dispute but it didnt seem like it came from me but a credit repair agency, so they were not going to move forward with any investigation. Once again on XX/XX/XXXX, I sent another set of letters to all three credit bureaus on the same accounts. At this point, I feel my rights as a consumer are being violated any no investigations are being completed.
Consumer complaint received 2021-06-10
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. (CO)

On XXXX2021 XXXX Received Electronically a payment in the amount of XXXX, as of XXXXXXXX2021 XXXX reported my account as 30 days late to the credit bureaus and had not posted the payment. 

As of XXXX2021 the payment still has not be processed, my bank has reached out my banks payment processor has reached out multiple time to XXXX without response.
Consumer complaint received 2022-06-11
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. (TX)

In accordance with the Fair Credit Reporting XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX 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  ( orgingal creditor XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX orgingal creditor 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 2020-01-29
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: National Recovery Service, Inc. (AZ)

Hello, I have reach out to the US DEPARTMENT OF EDUCATION AND SENT THEM AN AFFIDAVIT OF THEFT they disregard it and believe they are still above the law and sent it to collections to National Recovery Inc. Due to this I have been rejected for homes, loans etc. They not only went against FDCPA but also against CFPB. They need to remove this off my credit report right away.
Consumer complaint received 2022-06-11
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. (TX)

In accordance with the Fair Credit Reporting XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 orgingal creditor 11 SPRINT ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

When shopping for a car you have XXXX and only get hit with XXXX hard inquiries if you have multiple hard inquiries within a XXXX period it should count as just XXXX hard inquiry. i got hit twice in XXXX month XX/XX/XXXX and XXXX XXXX thats XXXX  days apart that should not have hit me with hard inquiries multiple times. the companies are 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