davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-12
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. (SC)

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also I have attached the letter I sent out and the tracking numbers are listed in the added evidence According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.Im not sure if the bureaus XXXX Equifax or XXXX have their own interpretation of the law but there are standard operating procedures used to verify information and it wasnt properly done because as you can see there are still many inconsistencies within my report see attached documents for highlighted items. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report Listed in the attached documentation lists violations and items that need to be deleted because they are reporting inaccurate across all three bureaus.
Consumer complaint received 2022-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XXXX XX/XX/2022 I deposited a check in an account to try to not have to pay a fee in having to cash the check at the same bank that I bank at that charges a fee, or fees to process a check ; however, when I deposited the check online I now have to wait for the check to clear on XX/XX/2022. Because of trying to save money in cashing the check for a fee the bank has decided to hold my check for a week and a half causing my bills to be late. I have tried to speak to someone and someone stated on XX/XX/2022 that I should receive a letter, but now it is XX/XX/2022 and I have not received anything from the bank. The check was for {$360.00}
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I initiated a complaint against XXXX  XXXX XXXX in ( XX/XX/2022 ) questioning whether I agreed to a payment arrangement that destroyed my good credit. I made this complaint to the XXXX credit agencies, XXXX, TRANSUNION AND XXXX who came back and verified that I indeed agreed to a payment arrangement that destroyed my good credit without providing information on this verification. There is no evidence with my signature and/or voice recording that will substantiate a verified claim. So how did these agencies verify this complaint?
Consumer complaint received 2022-10-13
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. (LA)

Under fair credit reporting act, the followiing accounts has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681 Section 604 602, etc I have the right to privacy. Also a reporting agency can not furnish an account without my written consent. 
XXXXXXXX XXXX. Account # XXXX XXXX and XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX
Consumer complaint received 2022-05-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (CO)

In the letter by XXXX XXXX XXXX XXXX, they have send me a debt collector. Total amount " owned '' was XXXX and decided to drop it by 50 % coming at a XXXX. 
Treated to ruin my credit for a debt not owned by me. As I already paid in full to the previous company. XXXX XXXX XXXX XXXX XXXX said in written and I quote " Any negative credit repot reflecting on your credit that has been or may be submitted to a credit reporting agency will remain if you fail to fulfill the terms of your credit obligation. ''
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

Re : XXXX This is about the deletion of below-mentioned account from XXXX on XX/XX/2022 XXXX 
XXXX. XXXX XXXX XXXX ( XXXX XXXX ) XXXX I request your Company to delete the above-mentioned account from your records immediately. 

Pursuant to 15 USC 1681SXXXX ( a ) ( XXXX ) ( b ) ( ii ), the information provided by the furnisher was inaccurate. Therefore, I request your Company to remove the same as early as possible. 

Since XXXX was given the notice the information is false, they deleted the inaccurate information.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TN)

On XX/XX/2024, I noticed several features were not working correctly on my Discover Card app. I called to check on the status of my account. I was informed that my account was closed because I did not reply to an email that they claim was sent in XX/XX/2024. I did not receive this email, nor did I receive a letter in the mail or a phone call. They claimed that since I did not reply to their email, that my account was closed on XX/XX/2024. I did not receive any notification whatsoever that my account was at risk of being closed. During this time, I was working with my mortgage company to get a home equity loan. Part of the proceeds of this loan was used to pay off my Discover card balance. I even called Discover card and communicated with them what I was doing and why. There was a delay in closing the home equity loan and it caused a payment to be late. I called discover and they even refunded the late fee. At no time did they indicate anything that made me thing that my account was at any risk whatsoever. Shortly after they refunded my late fee, the account was paid off and is at XXXX balance as of now. Not knowing that I do not have this credit has greatly impacted me and my family as well as the damages that it will cause when my credit score drops due to their fraudulent and deception. I have the legal right for, at very least a letter of intended adverse action. I did not receive any notification whatsoever, not even on my app, which is how I always monitor this account. Ive been a good customer in good standing for 8 years.
Consumer complaint received 2015-09-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After providing ALL the CORRECT information and picking which agency I want a report from, the XXXX step always comes up with " Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. All the data is accurate and complete. My computer, connection, and browser requirements and setup are exactly what is required. I do, however, get eagerly prompted to enroll and pay for my " free report '' just like all the scam agencies that you warn everyone about. Has anyone ever really received a free report online from Annual Credit Report? If so, where is that information found and how is it confirmed? Are Federal mandates for the Consumer meaningless?
Consumer complaint received 2023-07-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (TX)

BSI Financial Services foreclosed and sold our house at auction, while we were in a lawsuit against the builder because of a mold problem in the home. BSI sold the house and now the new owners are selling the house and neither of them are disclosing that the house has mold issues.
Consumer complaint received 2022-05-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Call today, XX/XX/22 XXXX pdt to the XXXX prefix. 

I have no unpaid debt and I never have had any. I have lived at the same address for over 50 years so if there has been a bill from someone that is unpaid it would never have been sent to me. 

I get calls that I do not answer from Portfolio Recovery Associates from a variety of numbers several times a month that I don't answer and they never leave a message. After researching who they are and knowing that they are not a legitimate collection agency I never will answer, and I will continue to block their numbers but it is still a pain and it has been going on for over a year. 

By the way I worked for a Consumer Reporting Agency that also owned a collection agency and I know there is a right way to do the business.pi
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My information was leaked during a data breach sometime last year. I received a call from what I thought was USAA to tell me that my account was in jeopardy and they read my information to me exactly ( full card #, full account #, etc ) and told me they needed me to verify a pin code. The short version is this was a phishing scam using information. The scammers made many international money transfers, one after another, over a period of a few weeks. I didn't notice because it was small amounts until one large one went through. I disputed these with the bank, who sided with me on 1 transaction, and declined me on the others. The merchant sent a copy of an -old- drivers license, and a selfie of an individual who is not me, obviously information obtained from the data breach. For many months I have been dealing with identity theft, with people obtaining employment as me, opening XXXX accounts as me, applying for credit cards and loans, etc. A nightmare. 

USAA ruled against me and held me responsible for the illegal transactions and theft. I submitted a police report, an identity theft report, and they still sided against me. They took my account negative {$2900.00} from theft and fraudulent transactions. I contacted the CEO 's office executive communications line, who said they would begin a new investigation. The account was then charged off, and deleted costing me my direct employment account and a bank account I've had for years. 

They failed to keep my account open and failed to protect me from fraudulent transactions and failed to live up to their member agreement not holding me liable. 
I was then sent out to collections for the amount of the theft.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I have a checking and savings account with Citi Bank. It is my primary account for paying bills and holding my money. 

On XXXX Citi bank called me and said that I has some fraudulent charges from XXXX. I confirmed that these were fraudulent charges. 

On XXXX I called CIti bank back because my online banking access was sudenly removed. Citi said that due to my fraudulent charges they removed my online access to my bank account. 

When I told Citi that I am traveling and need access to my online account restored, they said that they will ship me a new debit card and I need that debit card number to restore my online access. 

I explained, again, that I am traveling and will not have access to my mailbox to receive the new debit card, but I need access to my bank account online. The Citi employee told me he can't help me. I asked to speak to supervisor. Supervisor said that my access to the online account should be restored in XXXX hours. 

It is now XX/XX/year>2024, XXXX hours later and I still can not access my online banking. Today on XXXX I called Citi bank again. They told me they can not help me unless I give them the new debit card number. 

I said I am traveling and am not near my home mailbox. The Citi employee told me to " ask a friend to go to mailbox and get the debit card : '' This is unacceptable. 

Citi took away my online access with no explanation, or alternative way to verify my identity in order to give me online access back. I can not manage my bill pay or see my balance! 

I need access to my online banking restored ASAP!
Consumer complaint received 2022-10-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP (NE)

The debt originated in XXXX, I fell behind on payments and it was sold to a third party. The third party is XXXX XXXX XXXX. This company drafted {$1800.00} dollars in XXXX XXXX and then told me that they would no longer draft my account. I received a summons from their attorney on Tuesday XX/XX/XXXX it said that the amount due to was {$1.00}, XXXX and I had 10 days to respond. The letter is as stamped by the post office on XX/XX/XXXX, but didnt reach me until 5 days later. The next day I went to the court house to file my response and I discovered at this time that {$160.00} was taken from my account because thats all the had at the moment. The proceedings to levy my account started just 1 day after receiving the summons without allowing me to respond. The next draft on XX/XX/XXXX will not only wipe out my entire account but I will be negative. There has been no activity regarding this debt since XXXX, and Nebraska statue of limitations on debt is 5 years. When I received the summons no information was provided other than the amount, nothing was disclosed to me. I do not understand how my account can be drafted without giving me the opportunity to file my response and how can they legally collect in a debt that is past the statue of limitation? The County court has given me a court date to present my response, so obviously this company started the draft without a court order Please help
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (WA)

This is the second time this credit card company had an account opened in my name that didn't belong to me. The first time they acknowledged the identity theft, yet a card was opened in my name again shortly after. I again reached out to this company and to my credit agencies, and they were of no help this time. I did file an FTC identity theft report and XXXX  XXXX responded to this theft report stating that I needed a 'police theft ' report. I don't even live in that state anymore..I 've done everything I can to prove this and get this removed and this company won't help. LVNV is the debt collector and they won't assist either.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NH)

I was set up in a payment plan with Discover. These payments were schedule for one year in advance. At the end of the first year, we thought we were setting up the next year. Turns out there was a payment gap. When this was set up again, no one from discover informed us that there was a gap and past due amount at the time. Nothing reflected this in the conversation or online. We set up a new annual payment plan which has been coming out for the last 10 months. Same payment and same date every month. Discover failed to notify us of this and continued to report the payment 60 days late since XXXX of XXXX. I did not find this out from discover, but from the credit bureau. Discover refuses to show what correspondce they have sent to try to notify me of the error. They never reached out via phone or email with the payment being missed or with any statements. They are refusing to remove the late payments despite me immediately correcting the mistake once I found out. I tried to elevate multiple times and have been hung up on by the company despite my calm demeanor.
Consumer complaint received 2022-10-26
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. (NY)

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 U.S.C 1681. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX 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 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 and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.I 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 2022-05-12
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. (IL)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions.
Consumer complaint received 2020-08-03
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  address not mine accounts that were filed to the ftc 60 days ago
Consumer complaint received 2017-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ID)

I have disputed the information on my credit report for date opened and they will not change it. The date that they have listed is the day they bought the past due balance from XXXX XXXX XXXX. By law the date opened is the date XXXX opened the account. If the date was made correct it would be past time to be off all my credit reports. Also i would like them to provide me with a copy of the contract of original loan from XXXX XXXX XXXX.
Consumer complaint received 2024-06-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Supreme Lending (GA)

On XX/XX/year> I purchased a house subject to from The XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX ( XXXX XXXX and XXXX XXXX ) sold the house seller finance. I paid {$30000.00} down and {$1800.00} per month for several months. Supreme Lending is stating there was an authorized transfer of the securities. I have been asking XXXX XXXX, XXXX XXXX and XXXX XXXX along with the previous owners XXXX and XXXX XXXX for my {$40000.00}. Supreme Lending wouldn't accept my payments on the phone and wouldn't accept when I didn't have his social security number. XXXX XXXX had the Mortgage Statements sent to his house from XXXX and this caused a breach of contract.
Consumer complaint received 2022-05-12
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. (CA)

Transunion has violated my rights 15 USC 1681 s. 602, 15 USC 1681 s. 604A ( 2 ), and 15 USC 1666B I have the right to privacy, a consumer reporting agency can not furnish account without my written instructions, a creditor may not treat a payment on a credit card account under an open-end consumer credit i plans as late for any purpose.
Consumer complaint received 2022-05-12
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)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions.
Consumer complaint received 2022-05-12
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: Bread Financial Holdings, Inc. (VA)

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 XXXX XXXX XXXX. 

XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX COMENITY CAPITAL BANK 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 an 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.