davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (NY)

This debt is over 8 years old is no reason for them to be trying to collect the debt this old that have been taken off my credit report they are threatening to sue it's over the statue of limitation for suing to collect this debt have been expired over 8 years
Consumer complaint received 2024-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.
Consumer complaint received 2022-05-05
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

I recently reviewed my credit reports on Experian, XXXX and XXXX. I noticed all three bureaus had hard inquiries which I did not give my authorization. I put my dispute in the form of a letter, to all three bureaus, detailing my concern. I included a copy of my Drivers License and Social Security card as instructed. 

I made a follow up call and was told by all XXXX to contact the companies who made the inquiries. I was unable to get phone numbers to most and not able to get in touch with the rest. 

I insist Experian, XXXX and XXXX are forced to remove the inquiries immediately. I did not authorize any of the inquiries. All three bureaus are Illegally posting these inquiries, harming my credit score, as well as my reputation and must be removed.
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I lost my job in XXXX of XXXX. I was on XXXX all of XXXX. 
I had major XXXX XXXX on XX/XX/XXXX. 
Went back on XXXX XXXX of XXXX. Currently on XXXX. 
Former employer paid out a settlement in XXXX of XXXX. Termination due to physical inability to work. Injury settlemets are also exempt from a levy. 
On XX/XX/XXXX, Bank of America levied {$32000.00} from primary checking account. B of A was represented by XXXX XXXX XXXX Law firm : XXXX XXXX XXXX, Building XXXX XXXX XXXX XXXX, CA XXXX Phone Office ( XXXX ) XXXX Fax ( XXXX ) XXXX. 
I submitted an exemption claim within the allowable time frame. 
My exemptions were : 1 ) Currently on XXXX 2 ) Funds in bank account primarily generated from XXXX insurance. 
3 ) Injury settlement with former employer 4 ) Financial inability to pay bills, support XXXX young children. 

XXXX XXXX XXXX objected to my exemption claim. They won't return funds to my account at least until matter settled. I am almost at point where injury settlement funds have dried up, will be unable to keep up with bills, support family. 

Bank of America Legal Department refuses to have direct communication. 
I know I have met more than enough of the requirements for exemption status. XXXX XXXX XXXX elected to drag this out in the courts. 

I can't explain the physical and emotional distress this has caused. 

I know I accumulated the debt. Circumstances beyond my control put in financial distress. If I could pay off debt I would. For almost 3 decades I did business with B of A, always paying my card bill. They have the records. 

B of A credit card services increased by credit limit by {$30000.00} without a request from me. They did it when I should not have been extending my debts. I can't believe they can randomly do this. 

I am asking for help at a time my family could use the assistance.
Consumer complaint received 2022-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Corporation (SC)

Sent Debt Validation letter on XX/XX/2022, XX/XX/2022 Never received A response from Receivable Management Corp. This is the second attempt to get debt validation. Its a total of 7 letters. Amount {$6200.00}, {$2600.00}, {$5700.00}, {$54.00}, {$60.00}, {$36.00}. And made several attempts to call it always says to leave your name and number and they will call you back. Also made several attempts with the Credit Bureaus to also get debt validations and to correct my credit profile because it is incorrect. The credit bureaus stated my account was properly investigated. I didn't receive any verbal or written response. The only thing that was done was updated my credit report was closed the account on my XXXX Credit report as Account information disputed by consumer meets FCRA requirements. But nothing change on my XXXX and XXXX. 
15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A Section states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

I have been using XXXX XXXX XXXX for many years for my wireless service and internet in the past at previous home. I was recently trying to add internet service to a new apartment I will be moving into soon. XXXX XXXX XXXX told me I couldnt get that service because there is an unpaid balance of {$400.00} for a XXXX XXXX XXXX XXXX tv bundle that Ive never had. After speaking to multiple representatives, I discovered that someone created an account in their name but under my social security number and they did give me that account number. Because they have an unpaid balance that has now went to collections, Im taking a hit on my credit because they used my social security number without my knowledge or permission. I have spoken to XXXX XXXX XXXX fraud department and they told me its not considered fraud since its my social security number even though I did not give permission for this person to use it nor did I know until I tried to add a service and couldnt. XXXX XXXX XXXX has continually transferred me to numbers that do not work and refuse to help me or remove the {$400.00} from my name and Im concerned with what else this person could do with my social number. XXXX XXXX XXXX has told me they cant do anything since its already in collections and that account has now been closed.
Consumer complaint received 2019-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: GREAT LAKES (GA)

( XXXX XXXX XXXX ) Account Number : *** To Whom It May Concern : I would like to make arrangements to settle the above referenced matter. 

Please provide me with your statement of the amount owing as of XXXX XXXX weeks together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 


Please provide original master promissory note. Thank you very much
Consumer complaint received 2022-12-17
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. (TX)

In XX/XX/2022, I sent my first letter to XXXX XXXX requesting verification of Account number XXXX which was reported on my credit report. If I understand it correctly, they are required to follow reasonable procedures to assure maximum accuracy. They did not respond. I made a follow up letter XX/XX/2022, advising that if they failed to respond with sufficient verification and/or comply with the law, then they would be subject to fines and damages, per the FCRA. 

It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. Please remove the account from my credit report. I have given them more than enough time.
Consumer complaint received 2024-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is a charge off account still being updated inaccurately as this account was charged off. IRS states that a charge off is considered cancel debt, nothing can be collected, and can not be reported on my credit report. According to 15 USC 1681 ( e ) B this is a violation of my rights.
Consumer complaint received 2022-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, my husband and I were made victim to a real estate closing transaction scam in which we wired roughly {$150000.00} to a title company imposter. We captured the scam within 1.5 hours and reported it to our local Chase bank branch in person. The bank was able to restrict and subsequently close the recipient account due to fraud ( the wire was made to another Chase account ). The bank has evidence of other fraudulent wire activity on the aforementioned account which ultimately led to the account restriction and escalation to closure. We were given a phone number to call to check on the progress of the recall/recovery request as the funds were still in the recipient account upon closure. Thankfully the scammer did not act quickly enough to make a withdraw or transfer. We were told via phone by Chases fraud department that we would be mailed an affidavit to sign and have stamped by a notary. The affidavit was apparently sent via USPS with an expected delivery date of 5-7 business days. As of XX/XX/XXXX, we still had not received the affidavit. That afternoon we called the Chase fraud number again and spoke with a representative who informed us that our claim was closed with no recovery on XX/XX/XXXX. The representative on the phone could not answer why we were not notified of the claim closure or provide any details regarding the decision other than it was not considered fraud. We were then directed to the wire research team who is not currently taking calls and that we can message them via direct chat, secure message, or we can go to the bank and a banker can reach out to them directly. There are no obvious options to reach the wire research team online so we went directly to the bank branch we had been working with. The bank branch was equally perplexed as to why our claim was canceled and indicated we were expected to receive the recovered funds in 24-48 hours from the morning of XX/XX/XXXX. 48 hours lapsed and we still do not have the recovered funds. 

The lack of communication between the bank branch, their back-end teams, and with us is astounding. It is an endless circle of phone calls to support lines that go nowhere. Not a single person involved seems to 100 % understand what is going on with our money- which to my knowledge, is still sitting in a closed, fraudulent Chase account. I am incredibly disappointed and frustrated and will promptly be engaging legal support as we can not seem to find resolution working on our own. While the bank branch has been the most helpful, they are seemingly reliant on all of the same 800 phone numbers that we have been directed to. We filed a police report, with XXXX, with the FBI, and with the FTC. We have done all that has been asked of us and are constantly provided updates that only lead to more confusion, waiting, and disappointment.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A. (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has validated my rights 15 USC 1681Section 602 States I have the right to privacy.

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

15 USC 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 2022-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (MN)

I called Huntington Bank today to close my account but they refused to close it saying I needed to come into a branch. I opened my account online and do all my banking online. It is unreasonable for Huntington to require me to appear in a branch to close out a checking account.
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

I am disputing the item that was placed on my credit reports. I do not use XXXX nor have I used XXXX in over 15 years. I do not owe them. I have no idea what this is. They need to remove it from my credit. I was not contacted about this debt before collection was placed on my credit.. They simply placed an amount on my credit. This is not my debt. Remove it. Details {$1100.00}. XXXX XXXX Date assigned XX/XX/2022 Agency CBE GROUP Status date XX/XX/2022
Consumer complaint received 2022-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (AZ)

I was on the Covid 19 forebearance plan. On XX/XX/2021, I contacted Flagstar to begin the process of transitioning off of it and back to making regular mortgage payments. At that time, I was told to go ahead and begin making my monthly payments so I did. Payments were made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so forth to this day. Sometime during XXXX, Flagstar finally managed to reset my loan off of the Covid 19 forebearance plan. However, they now have added a {$15.00} fee to my account because they told me that they had to send someone out to my house on XX/XX/XXXX to ensure I was still occupying it because they didn't hear from me for more than 30 days. First, no one ever came to my house so it's doubtful this actually happened. Second, I was making regular mortgage payments on the first of every month which people who have abandoned property do not do so that just doesn't even make sense. Third, every time they called saying they were collecting on a debt ( which happened every month during the entire 18 months I was on the forebearance plan ), I always spoke with them and reminded them of that. So it is a complete lie that they did not hear from me more than 30 days at a time. I contacted their customer service and relayed all of this information a couple of weeks ago. She said she would put in a request to have it removed but it is still on my account and shows as a late fee. It appears that Flagstar is trying to impose a malicious and probably illegal fee on my account for having taken advantage of the Covid 19 forebearance plan. Retaliation for participation in the relief program is not permissible under the statute when the government created the program.
Consumer complaint received 2022-05-05
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: Bread Financial Holdings, Inc. (MD)

Hello Respected Sir/Mam, This complaint is against Comenity bank XXXX credit card. The bank offered me a balance transfer offer and I tried to use it. The bank promised that the funds will be available to use within 30 days from the request. I never received the funds and it is been more than 30 days. I called bank and asked to track the check they sent and confirm when/how the check was cashed? They don't have any details on check being cashed ever. Now they started charging me for the monthly payment for the amount of balance transfer which I never received. I called the bank multiple times but they are not helping to resolve this issue. Requesting your help to resolve this matter. 

Thanks, XXXX
Consumer complaint received 2017-09-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio (TX)

I reviewed my credit report in XXXXXX/XX/XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to XXXX XXXX  XXXXXXXX XXXX. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. They are claiming that I owe on medical debt and during the time they report that I owe on this debt I had XXXX that covered my medical visits and costs. This letter was sent XX/XX/XXXX and I have not received a response to date.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ONLINE Information Services, Inc. (FL)

On XX/XX/2023, ONLINE INFORMATION SER added a derogtatory mark on my credit report per XXXX. Upon further research, the account was transferred/sold and I am no longer responsible for the account. They did not very this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me.
Consumer complaint received 2022-05-05
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Frank Innovations, Inc (FL)

I applied for credit with Go Subscription , LLC dba GO Subscription, a car subscription company. The company advertises Customer eligibility as : Minimum credit score : XXXX, Minimum age : XXXX, Valid driver 's license, all of which I have, thus, making me eligible. GO Subscription ran my credit application and denied my application, simply stating via email : " Unfortunately, we are unable to approve your application at this time as it did not meet our eligibility requirements. Meeting these minimums does not guarantee approval. Exceptions can not be made. '' I contacted GO Subscription for further clarification and they were unable to provide any. I asked for an adverse notice, they informed me they do not provide these at this time. GO Subscription is offering credit to consumers but not providing them with specific details related to the rejection of applications.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (VA)

This company called my phone 3 times in a row this morning after they got no answer. I am terminally ill, considered XXXX by the federal government, meaning I am on XXXX. I only answered because I assumed it was one of the companies who monitors my implanted XXXX XXXX  trying to warn me of an issue after the 3rd time in a row only to find these vampires on the other end. I also have received no written letters or conformation of debt.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I recently checked my credit report and saw accounts reporting that I do not recognize : 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 2023-07-24
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. (CA)

To Whom It May Concern, This is a report about multiple violations of law by consumer reporting agencies such as XXXX, XXXX and Equifax such as 1. 15 U.S Code 1681a ( 2 ) ( A ) ( i ) : reported information can not be only transactions and experiences between the consumer and the company.

2. 15 U.S Code 1681a ( 2 ) ( A ) ( iii ) : the consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act.

3. 15 U.S Code 1681a ( 2 ) ( B ) : if a transaction was authorized by a social security card, the real credit card first defined understand the Truth In Landing Act, this transaction must be excluded from a consumer credit report.

4. 15 U.S Code 1681b ( a ) ( 2 ) : consumer reporting agencies need written instruction to make a consumer report by the consumer. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report.

5. 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : Unauthorized inquiries. 

The above violations were made in relation to the following accounts and must be corrected : 1 ) XXXX XXXX XXXX opened XX/XX/XXXX 2 ) DEPT OF EDXXXX opened XX/XX/XXXX 3 ) DEPT OF EDXXXX opened XX/XX/XXXX 4 ) DEPT OF EDXXXX opened XX/XX/XXXX 5 ) XXXX XXXX opened XX/XX/XXXX illegally closed XX/XX/XXXX 6 ) XXXX XXXXXXXX opened XX/XX/XXXX illegally closed XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (GA)

I sent two secure emails to TARGET to close the account, I have done this with several other credit cards and not had any problems, but I was told I had to call to cancel. When I Called to cancel, I was asked why and told I shouldn't close it, when I said again I wanted to close it I got the same response. I felt like I was getting bullied into not closing my account. I was told to think about it.. and I finally just ended the call. This is not acceptable.