davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation (CA)

I have requested to close my albert account since XX/XX/2022. They refuse to close my account or transfer any money out of my account claiming " Our team is actively working on this. Once we have an update, we'll reach back out. We appreciate your patience as we continue to work on this '' I have asked what they are working on : 1. The reason why my ACH deposit was returned 2. Why they have not documented my when I have requested a dispute?

3. Why they are not withdrawing funds?

4. why my account is still open? 

I get the same generic response. 

I have no notification of funds being help or why my account is not closed or " suspended ''
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I received a call on wednesday XX/XX/21 at XXXX from XXXX XXXX XXXX XXXX to the message the representative XXXX XXXX XXXX on my messenger recorder from number XXXX XXXX ext. XXXX and her exact words were, XXXX XXXX I AM REVIEWING TO GET TO YOU YOUR ESCROW ACCOUNT FUNDS. 

Then I conducted a XXXX search of the phone number on my caller ID as XXXX XXXX and discovered that she called me from XXXX XXXX Department- please take action and announce to the CFPB that XXXX XXXX and parties involved supported him committed a Big Fraud against me about property XXXX XXXX XXXX XXXX, mi XXXX and let the XXXX michigan police department know the truth about the property and that they not stand on fraud.
Consumer complaint received 2020-12-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- STUDENT ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2006 with a balance of {$3300.00} -This is not my account.
Consumer complaint received 2022-11-30
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. (GA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

The table below describes the events wherein Truist is now requiring escrow over and above what insurance/tax is paid by myself ; and further in order to remove escrow of the one week of loss of insurance due to XXXX and the agent at XXXX ( not informing me as the client that insurance was lapsing ) I would have to purchase a new mortgage at double the interest rate. Truist was informed in writing and by phone call ; XXXX the insurance agency was contacted and stated they would return/contact me on sending correspondence through their legal department and NEVER contacted me as the client on the insurance coverages/lapses nor provided further assistance to me, their client. I have paid Truist for the one week of insurance and have provided coverage with XXXX for the mortgage ( and now have to request reimbursement from XXXX ) and pay escrow above the amount of the insurance. Noted detail of event and documents will be mailed to CFPB : XX/XX/XXXX Agent : XXXX XXXX Policy Home/Auto XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Email XX/XX/XXXX XXXX  XXXX Agent XXXX Fired from XXXX  and had been working on issues with XXXX ; however no notice to client. Home Insurance RECEIVED information that agent fired in/on XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX noted on more than 10 acres INCORRECT home on 1.89 coverages end XX/XX/XXXX Mailed NOT RECEIVED IN MAIL BY CLIENT XX/XX/XXXX XXXX XXXX XXXX Notice of Nonrenewal for XX/XX/XXXX to 1 ) client and 2 ) agent - XXXX XXXX Email NOT RECEIVED BY CLIENT ; AGENT XXXX NEVER CONTACTED CLIENT NO RECORDS OF AGENT CONTACT TO CLIENT GOOSEHEAD COULD NOT PROVIDE XX/XX/XXXX XXXX XXXX Service Agent Goosehead Notice of cancellation of unresolved underwriting concern. Email Client responded same date. 
XXXX Client continuous emails and phone calls to XXXX  Emails attached noting inability to get XXXX  to respond to homeowners insurance coverages Current XXXX XXXX appraisal/tax property record Noting : 1.84 acres - not ten as XXXX noted at issue. 
XX/XX/XXXX Email to Service Agent XXXX at XXXX another attempt Another attempt to get information and resolve issues regarding the noncoverage of homeowners insurances. 
XXXX - Phone calls to Truist ; mail to Truist regarding insurance issues XX/XX/XXXX - Phone call again to Truist receipt of increase in escrow. Truist states that it is their policy to force escrow if only in one day or one week and/or require a complete refinance to a higher ( in this case more than double ) interest rate.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
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 2020-12-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tesani Management Inc (UT)

I found out about it in the mail this weekend from my employer. My check was garnished the next day. If I had known it was going to court I would have showed up. Now there is a judgement and they took out money right before XXXX. I should have been served. They should have given me options. I was in the hospital.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Ive been a Bank of America   Customer for over ten years & this is the second time Ive had to file a complaint to get an issue resolved. One would think that they would value their customers more. On XX/XX/2021 I allowed my wife to use my credit card in the amount of {$5000.00} as a downpayment towards legal services with a company by the name of XXXX XXXX XXXX. The total amount due was $ XXXX that would be made in increments. She made an initial payment of $ XXXX and then another $ XXXX on XXXX the XXXX 2021. Payment would consist of services pertaining to tax restoration, tax filing, trust setup, legal documents & legal assistance. Once my wife got a court date the dynamics of the deal took a turn. We have come to find out these people are fraud and are not able to deliver on any of the above. The group consisted of four individuals. XXXX XXXX ( first contact ) was suppose to handle tax affairs. Her spouse XXXX XXXX was suppose to handle the trust. XXXX XXXX XXXX were suppose to handle legal affairs. XXXX informed me that she recently met the others and to stop paying because they were fraud and were not going to deliver on services paid for. I have attached a thread of text messages. No services have been rendered what so ever. These people are fraud and according to 15 use 78 they are in violation of liability for misleading statements and Bank of America is in violation of 15 usc 1666. I would like my fund returned to me immediately. Bank of America just decided to rule in favor of the crooks, they never even asked me for any proof. After speaking with bank of america they stated that merchant supplied 51 pages of proof for services rendered. The only information they could have supplied is the information I filled out on intuits website. These people are a fraud and cant possibly think I would ever try to do business with them ever again. case numbers for bank of america XXXX & XXXX
Consumer complaint received 2021-02-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OH)

I applied for a refinance of my mortgage to get cash out for a few home updates. My husband is a veteran so we applied for a VA loan as they typically have less fees. I was asked if I had any delinquent XXXX loans. I explained that I had never been to college so that was not even an option. 
I was told it was my job to figure out why a XXXX report was showing a defaulted account. I called the number provided to me by the director over our mortgage processor. I spoke with 4 people within the federal department of education who took my social and DOB and confirmed all 4 times that nothing was showing under my information. I provided this information to rocket mortgage with the supervisors ID number and name. They told me they are still showing it on the caivrs report. I asked the director to be on the line with me when I verify, he refused. I asked him to call to verify, he refused. He has given us zero options and only makes excuses how its not our fault, its not something we can change I find it hard to believe there are zero options for them to verify that I do not have a delinquent loan. We were also asked to sign an intent to proceed where it showed we would owe them XXXX at closing. our current mortgage is only slightly over XXXX.
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Financial Credit Service, Inc. (AZ)

XX/XX/2018 To whom it may concern : This is in reference to a company by the name of ARA , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, allegedly representing XXXX XXXX XXXX. XXXX is now owned by XXXX whom I contacted immediately. There is absolutely no account in my name or my deceased husband of 25 years, be it current or delinquent. ARA is attempting to collect a non-existent debt of {$8600.00} which they are willing to settle for {$1000.00}. They have communicated with me first by telephone, and then by mail. I have explained to them that this account and the charges associated with it are erroneous. They continued to call and harass me. Therefore, I have reported this to my local police department, the US Attorney General 's Office and now your office. 

Thank you for your consideration in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-13
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. (WA)

In accordance with the fair credit reporting act XXXX  account # XXXX account name 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 agency can not furnish a account without my written instructions
Consumer complaint received 2020-06-04
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISCHARGED
Consumer complaint received 2021-02-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (IN)

On XX/XX/2021, XXXX XXXXXXXX XXXX attempted to seize my car on behalf of ALLY FINANCIAL. Upon arrival, the repo agent constantly advertised the sale my debt to me in an attempt for me to pay it and not tow my vehicle. This is a violation of 15 USC 1692d ( 4 ), federal law. Every detail is ON CAMERA!
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was XXXX XXXX. Depending on which credit bureau you look at, XXXX XXXX reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. XXXX XXXX sold the alleged delinquent debt account to XXXX XXXX XXXX. In XX/XX/XXXX, I paid XXXX XXXX XXXX for the full amount that I allegedly owed : {$16000.00}. Both XXXX XXXX and XXXX XXXX XXXX assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. XXXX XXXX did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, XXXX XXXX XXXX refuses to update XXXX XXXX with this information or forward them the letter proving that I paid off the account in full. I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.
Consumer complaint received 2022-06-13
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. (IL)

I n accordance with the Fair Credit Reporting act U.S. Bankruptcy Court 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 a account without my written instructions.
Consumer complaint received 2021-11-22
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: Experian Information Solutions Inc. (GA)

experian, XXXX and XXXX have not included an open account XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX  ) that was opened this year, this account is open, paid on time and now has a XXXX credit balance, pls have them to include this open acct
Consumer complaint received 2022-06-13
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. (SC)

I happened to review my credit card with a financial adviser and I noticed these hard inquires that I have no clue of. We tried calling some of these places with no luck. They transferred us from one location to the next. Here is the list : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX EQUIFAX 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 XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I happened to review my credit card with a financial adviser and I noticed these hard inquires that I have no clue of. We tried calling some of these places with no luck. They transferred us from one location to the next. Here is the list : 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 XXXXXXXX, 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 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 2022-06-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TD BANK US HOLDING COMPANY (ME)

on XX/XX/XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX contacted my husband ( XXXX XXXX ) about an old debt in my name ( XXXX XXXX ) and had his social security number. XXXX XXXX said they would be serving court papers and a lien would be placed on our house but that my husband could pay {$1000.00} over the phone to stop the process. My husband said he needed to speak with me first. I contacted XXXX XXXX, who told me the original debt was over {$400.00} dollars from TD Bank XXXX, but that now with fees it would be over {$4000.00} if we went to court. He said they would be serving me court papers on Thursday. I told XXXX XXXX I did not ever owe TD Bank XXXX  that amount and that I had disputed a smaller amount back when I had the account, prior to XXXX. He said they would be serving me court papers. XXXX XXXX hung up on me, then 15 minutes later contacted my employer and asked for the physical address, telling the secretary they would be serving me court papers on Thursday. He then called and left another message on my voice mail. I did not acknowledge the debt, nor have we received any written correspondence in regards to this debt. I have not had an account at TD Bank XXXX in more than 13 years. His number is XXXX ext. XXXX. He said my case number is XXXX. I believe the statute of limitations for old debt in my state is 6 years and that XXXX XXXX is trying to scare us into paying money we do not ( and have not ever ) owed. I also pulled my credit report from XXXX to make sure I hadn't overlooked anything and there is no mention of this debt to be found on my credit report.
Consumer complaint received 2023-03-23
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-14
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY NAME PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (AL)

TO WHOM IT MAY CONCERN.. One Main financial ( XXXX # XXXX ) has violated the Fair credit act by Submitting incorrect information on my credit report.. 
The credit bureaus ( XXXX, XXXX, and XXXX  have also violated my rights by not Properly investing the account for validity.. No contract with Balance and signature has been produced.. 
THEY SUBMITTED MULTIPLES BALANCES ON MY CREDIT REPORT AND HAVE THE ACCOUNT SHOWING AS WRITTER OFF AND OPEN AT THE XXXX XXXX 15 U.S.C. 1681Sec 604 a sec 2 I would like to know how this account was validated and who validated it?