davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-06
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (CA)

I noticed my daughteres savings account went from approx 15k to XXXX within 6 months or so and my statements were being mailed to another address not in the city the account was opened in. I went to the bank and called fraud department to facilitate/resolve as well as called the fraud department who noted and advised me to visit the brick and mortar to no avail for over a year now despite the fact that i provided police reports ect. I just kept getting the run around/miscommunication & told it was me who committed the fraud from a so called reputable bank that prides itself on integrity. 
Each meeting/called was only to delay the time so they could continue to deny replacement of the funds stolen by the offender. I provided the name of the offender/hacker as well with supporting documents such as police reports ; which where disgarded leaving my daughter'e saving depleted and now and overdrawn balance that has been referred to creditors harassing me. I just stopped utilizing the accounts ans was told by the US Bank branch manager that i would not be charged nor account closed because it was fraud related, which was not true & created debt and unwarranted negative reports on my credit. 
I then tried to go to two other branches who acted but then i referred back the branch that i initially opened my daughters accounts. They said that if they wanted to refund my monies they were the only ones that could. So i was left with nothing once again/hopeless/ I then reach out to the regional mananger who acted as if they were concern only to cahoot with the branch manager. i also ask did they need me to send police reports etc. but they had no interest and told me to do what i had to do. 

Overall, my daughter college savings has suffered and now we are in debt owing the banking institution we trusted. Causing us to see assistance via your portal.
Consumer complaint received 2019-09-06
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: Southwest Stage Funding (GA)

i contacted Southwest Stage Funding and XXXX XXXX also XXXX along with XXXX XXXX XXXX about the inquiries on my credit tried to get them to remove the inquire from my report they said they would, later i contacted XXXX and XXXX to get them to remove them but was gave a death ear on the matter so now im contacting you all for help thank you
Consumer complaint received 2021-12-06
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. (NY)

It took me months to go back and fourth, I have hard credit inquire on my all three reporting agencies between XXXX some are dated XXXX and XXXX of the month XXXX loan. I never gave permission to second nor third parties to use nor abuse my credit. As you see many used it months, or days without my knowledge. I now have alert on my report once again. I did reach out to these company which was stated not seeing anything on their end with my name, as my information is not in their system I'm asking for them to be removed and updated. Thank you
Consumer complaint received 2019-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Last year XX/XX/XXXX I submitted a complaint through the Consumer Financial Protection Bureau against Resurgent Capital Services/LVNV Funding for the account # XXXX that they purchased from XXXX XXXX and placed it in collections on all 3 of my credit reports with XXXX XXXX and XXXX saying that it was my debt. I have sent several dispute letters to Resurgent Capital/LVNV Funding disputing all their continuous false allegation about this XXXX XXXX XXXX that they purchased that is not mine. They have sent statements trying to prove it was mine. A statement doesn't mean that's my debt. I have requested for signature and they have never provided one. Last year, they responded to my complaint with a 52 page letter that was very ill-informed. This company has destroyed my credit ratings for years and I refuse to continue to sit back and let with me knowing this is not my account. In the quest to continue to fight I continue to dispute XXXX XXXX XXXX the original owner of this alleged debt. On XX/XX/XXXX I received a written, legal document from XXXX XXXX XXXX further proving my case that after their investigation they found I am not responsible for any PREVIOUS or FURTHER balance incurred on this account. The site wouldnt let me Attach the letter from XXXX XXXX but I sure mailed it to Resurgent Capital compliance address.
Consumer complaint received 2021-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

To whom this may concern I was a victim of Identity theft on XX/XX/2018 by a Potential employer They requested my XXXX  Docs and I did provided to them. I do have a Police report number with XXXX the incident # XXXX Date the report was filed XX/XX/2018. I have a open collection with National Credit systems for over 9 K that I didnt open nor have knowledge of. Please correct this Thanks. If you have any questions please feel free to reach me at XXXX
Consumer complaint received 2018-04-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

Have filed complaint twice now. This will be third. They have violated FDCPA law which stated they must contact me within 5 days with written proof of debt after initial contact. Which was when they sent this to collection which was either on XX/XX/XXXX and they have sent me a pdf of a letter they claim they sent that I never received with a date on it as XX/XX/XXXX and obtained the debt XX/XX/XXXX according to them and started reporting in XX/XX/XXXX and all this without proof. The date that shows on the credit report curious enough is XX/XX/XXXX. They claim they have no control over what the credit bureaus report but I see no reason as to why the credit bureaus would report it before they even sent thethe debt in question to collection or how they wouldn't have control since it is refreshed by them every month.
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 and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$8000.00} XXXX  XXXX Balance Owed : {$9700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX  XXXX Balance Owed : {$9700.00} XXXX XXXXXXXX Owed : {$8100.00}
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

Under 15 U.S.C 1681e ( b ) and 15 U.S.C 1681i ( 5 ) : This account in violation not reporting 100 % accurate as it lists the Child Support court as the furnisher, that's forgery and misleading because the courts DO NOT report this type of account.
Consumer complaint received 2019-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

The debt in question ahs been on my credit profile for a few years and I have sent multiple letters to the credit bureaus as well as the debt reporting company for removal. Starting in early XXXX I reached out the company requesting proof of debt, and even as recent as XX/XX/XXXX asking for proof of debt and none was sent. However, not only is the bad debt reporting on my credit, it is reporting twice as a duplicate, which is further impacting my credit score. As per the FCRA laws I am entitled to a accurate report of the supposed debt showing the initial contract and even entitled to up to {$1000.00} in damages.
Consumer complaint received 2019-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (PA)

On XX/XX/2019 I chose to reset the password of my Google account where I utilize the wallet feature. I was prompted to verify requested information for authorization. This was successful and the password was stored to my mobile device. On XX/XX/2019 I was prompted to re-enter my password on my laptop. The login attempt was unsuccessful. At which point I attempted to utilize the forgot password option linked to my mobile device for another verification/authorization. I received a message from Google indicating my account had been locked for security until further information was received. Since XX/XX/2019 to the present I have continued to complete the requested steps ( the same steps and answers from the successful reset on XX/XX/XXXX ) with no valid response or resolution to accessing my personal financial and business ad spending data and personal linked bank account information stored by Google, Google Ads, Google Wallet. The company requests an additional email to be contacted, by which has been provided and is listed on the account in question. I have given valid information of the only mobile device and laptop I use to include " Google Collected Details '' as shown and defined by Google below. Additional information such as One-Time Use Security Code from my Mobile device has been provided for further action. Instead the company responds with generic automated messages falsifying their true due diligence of investigating, verifying, authorization of my account and access to my digital data connected to Google Ads spending and Wallet. The process and solutions provided have sent me in an endless loop followed by more generic automated messages with the same links to the same process ( attached ). Furthermore, Google has received the below information regarding my authorization and verification to access my account as this data has been collected, stored and currently held hostage by Google Company. This information will continue to be made available from myself for the company to re-authorize accessibility to this account. 

Google Data Collection as Defined from https : XXXX? XXXX & XXXX & XXXX " Last account activity You can see your sign-in history, including the dates and times that your Gmail account was used. You can also see the IP addresses which were used to access your account. '' " Activity on this account This feature provides information about the last activity on this mail account and any concurrent activity. Learn more This account does not seem to be open in any other location. However, there may be sessions that have not been signed out. 
Recent activity : Access Type [? ] ( Browser, mobile, POP3, etc. ) Location ( IP address ) [? ] Date/Time ( Displayed in your time zone ) ''
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Greetings, I am filing a complaint in regards to a faulty personal checking account suspension by HSBC, USA. 

On Friday, XX/XX/XXXX, my personal checking account was wrongfully suspended by HSBC for suspicious activity, preventing me from accessing funds or viewing my bank statements. As of Friday, XX/XX/XXXX, I have been unable access my personal funds or contact any member of HSBC 's account security department about unfreezing my account. 

I have reached out to HSBC 's costumer service multiple times over the phone ( often waiting on hold for multiple hours ), e-mail, and social media, but they have all been ineffective in putting me in contact with the correct department to resolve my issue. In all of my correspondence with HSBC costumer service, the bank has been hesitant to respond in writing via e-mail, Instead, opting to call over the phone, while offering no solution. 

I have likely identified what was the cause of the " suspicion '' -- a mobile check deposit that I have confirmed has cleared both banks -- but I am still unable to resolve my issue. 

This account freeze has forced me to move funds from investments to another checking account and may effect reimbursement for government travel. 

I have attached my e-mail correspondence with HSBC and will be happy to provide more details. 

My issue is very similar to the one described in the article linked below. 

https : XXXX? XXXX & XXXX & XXXX Thank you! 

XXXX XXXX
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have a Capital One platinum master card. It is shown on my credit report that I had a missed/late payment on XXXX of 2018. It is the only one in over 1 year and a half. I am 100 % sure that the payment was made and that Capital One did not process it quick enough. It is impacting my credit score now heavily.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (CA)

I became aware when I checked my credit report that this debt collector under the name of XXXX XXXX XXXX has reported incorrect information that I owe the amount {$900.00}, I have sent a notice of state and federal validation of debt.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

There is a complaint attached with the details and the calculations I deposited XXXX late on XX/XX/20.2018 by mobile deposit to my BOA Core Checking. 
BofA put a 10 day hold on it. 
This check came from my account at XXXX. 
On day 7 I got the XXXX rec on a call with me and we called BOA and XXXX told BOA the money cleared on the XXXX. 
This exposed all the lies BOA had given, BOA credited the funds immeidiatey, that was the XXXX. 
I had 5 credit card payments going through, BOA had held the funds to do this. 
Both the payee and BOA got to charged 3xXXXXxXXXX fees that hit XXXX for each payment. 
This is illegal. {$500.00} in fees at BOA in just one month.. These increase to {$2400.00} until I close the account. I want these refunded. 
BOA had fiduciary responsibility to tell me about SafeBalance checking and did not, they owe me all the fees for. that reason alone. This is big I have the recording.
Consumer complaint received 2019-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (CO)

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for US Bank or have I used this credit card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. And I strongly disagree. The reason why I asked for this is because I was served in XXXX for XXXX XXXX XXXX and hired an Attorney XXXX XXXX. We were able to prove I never used their credit card and my signature from the one on the application was different. They also showed me an itemized bill, There were charges to flights to XXXX, AZ and other places. I showed my passport to show proof that this was never me who took these vacations or that I used it. There was no stamp of indication that I have ever flown out of Colorado, it was plain. They came to the conclusion it was not me and dismissed it. I proved that this was not me who took this CC out but my EX- Husband. We showed the divorce papers to show that we had divorced in XX/XX/XXXX and he would be the only person that could have done this since he would have had my personal information. I am willing to do the same thing for US bank. I have never applied nor used their CC. and I filed a police report.
Consumer complaint received 2018-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I have american express personal platinum card XXXX, which has XXXX points which I would like to transfer to airline partner as advertised by AE. 
I kept getting this message : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. 

I have the card for a long time, and I believe this action from AE prevented me to transfer points and use points for airline at a timely manner. 

XXXX XXXX
Consumer complaint received 2019-08-27
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. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2018-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

In XX/XX/XXXX, I received a letter AND a phone call from Portfolio Recovery Association claiming I owed {$420.00} from XXXX XXXX. I asked for proof of what was purchased at that time and they said they couldn't provide the proof because the debt was from XX/XX/XXXX and " their records don't extend that far. '' I then said that I would like to report theft and to please send me an identity theft form to fill out, which they agreed to do. Four days later, I get the same letter I received the first time with no identity theft form to fill out and the phone calls still continue. From XX/XX/XXXX to XX/XX/XXXX I have been receiving calls from different numbers from Portfolio Recovery ( at least 2-3 times a day ). The phone calls got so out of hand that I ended up having to cancel my landline because of Portfolio Recovery 's constant phone call harassment.
Consumer complaint received 2018-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: American Student Assistance (NH)

XXXX parent plus loan..paid on time for 5.5 years..bills stopped. 
XX/XX/XXXX2018. Found a new ffel CONSOLIDATED loan done online in my name I did not initiate now getting IRS OFFSETS tis how i found out..ruined credit..3 months of different collection groups..tid bits of info..i requested a computer address of the loan..no info i requested a discharge got denied
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX EQUIFAX VIA XXXX " XX/XX/XXXX/ XXXXXXXX " XXXX XXXX XXXX XXXX XXXX CA XXXX " XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax XXXX and XXXX, I am writing to dispute the following information that appears on my Equifax consumer report : Dispute 1 " XXXX XXXX XXXXXXXX Reporting 4 times 2 of them are duplicates.

" Student Loan " XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  shows late payments, this is inaccurate. I am in deferment and I have the contract renewal from that year showing I was not late. The laon company made an error and provided me proof I was not at fault for this The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time.

I understand that under 15 U.S.C. Sec. 168i ( a ), you must complete the investigation within 30 days of this receipt of this request. Please send an updated copy of my credit report to the address above. I also request corrections be sent to any creditors who received my report in the last 6 months. Please also be aware that any negative mark found on my credit reports including Equifax from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must delete the entry.

Thank you for your assistance.

Sincerely, XXXX   XXXX
Consumer complaint received 2018-11-27
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: General Motors Financial Company, Inc. (CA)

XXXX has been non-compliant with removing the unverified account GMFNANCIAL which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that GMFNANCIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I have sent several factual disputes to each bureaus informing them of the inconsistencies and violations of the FCRA with how this account is reporting on my credit profile. It is my understanding that the FCRA requires that all credit bureaus are reporting the same information across the board, and that information has to be consistent, if not its a violation. Theres several violations with this report such as, the inconsistent date is open, stating the account is not being disputed when it is, XXXX reporting this account as open and XXXX and Experian reporting it as closed!