davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

i made by last mortgage payment on XX/XX/XXXX But back in XXXX I was in a foreclosure process and I apply to the Hardest Hit Program and they paid what I was behind to bring my mortgage current But because of the foreclosure there were lawyer fees and the Hardest Hit Program will not pay lawyer fees. In XXXX when I spoke with customer service with Bank of America they said I could make payments on the lawyer fees. So in XXXX i made a {$200.00} payment When I called in XXXX to Make a {$500.00} payment they refuse the payment Because they said my loan had mature on XX/XX/XXXX so I can no longer make payments on the lawyer fees. So now I needs to pay the lawyer fees in full by XX/XX/XXXX or if fail to satisfy the fees may result in a foreclosure. So any information or help you could give me would be greatly appreciated Thanks
Consumer complaint received 2018-12-31
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. (GA)

XXXX  {$300.00} & XXXX XXXX {$220.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2022-02-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC (IL)

On this date, XX/XX/2021 company opened a collection. 
Account # XXXX {$230.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I pulled a copy of my credit report and noticed that there was a collection reporting with XXXX XXXX. I did dispute the account with the credit reporting agencies because the account is not mine. I have never had XXXX service my entire life so I do n't know how they reported the false information. The three bureaus did remove the account. I thought it was said and done. Then I received another credit report and now Convergent Outsourcing is reporting the same exact account with a new open date. This is absolutely maddening. If they would use my social security number and birth date the would see it 's not mine. They are only going by my name which is common. I am very upset because I pay my bills on time and now because of their error it 's affecting my ability to make a financial move.
Consumer complaint received 2022-02-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (OH)

I bought a XXXX in XXXX. Just 5 months later XX/XX/2014 a drunk driver caused a bad accident and had no ins. My insurance XXXX XXXX totalled my car and paid the car off. They have me in debt still for {$970.00}. The total amount of car was {$17000.00}. Also the debt is well over the statue of limitations. I have write 3 letters to them stating all the above and that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof of ( an original consumer contract with my signature on it ) you have on file. Under the FRCA, unverified accounts must be removed. 

They have ignored my request and just keep sending back the results are accurate. Please help.
Consumer complaint received 2020-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

We opened a joint checking account with TD bank in XXXX XXXX XXXX, Florida in early XXXX. When we opened the account we were told by the branch personnel that a 30-day hold would be placed on our deposits because we were a new customer to them. 

More than 30 days has elapsed since we opened the account and the bank is still holding our deposits, and not giving us an adequate explanation for the holds. We are now unwilling to deposit any more money into this account because of the arbitrary hold policy ( whatever it may be from day to day ).

We deposited 4 checks ( total deposit {$5900.00} ) on XX/XX/2020. We have a receipt showing the deposit, along with copies of each check. One of the checks ( amount {$4200.00} ) was from my Pension custodian ( XXXX ). We have been informed by the local branch personnel that TD bank 's internal bank Fraud Operations department took issue with this particular check for some reason, but capriciously placed a deposit hold or the entire deposit amount. We have received a letter from that department to this effect, and have discussed the matter with the local branch personnel to attempt to get it resolved. As of this date the hold remains in place, in spite of the fact that the check has long since cleared the Federal Reserve System.

The local branch personnel are sympathetic but unable to effectively negotiate with the Fraud Operations department to resolve the issue. 

What are my options for recourse? When will the bank stop subjecting us to unreasonably withholding access to our funds? I have no confidence that this bank will fairly treat us in the future, and we plan to move our account elsewhere immediately.
Consumer complaint received 2022-02-27
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. (TN)

RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax, XXXX, and XXXX and I noticed an unauthorized credit inquiries had been made. 

I contacted Equifax, XXXX, and XXXX, who conducted the inquiry and asked them to remove their credit inquiries from my credit report. 

I request that you investigate the inquiries listed on my credit report to determine who authorized the inquiries. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report. 

If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Unauthorized on XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX US SM BUS ADMIN ODA - XX/XX/XXXX XXXX - XX/XX/XXXX Unauthorized on XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX Unauthorized on Equifax XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX # XXXX - XX/XX/XXXX Thank you for your assistance in this matter
Consumer complaint received 2020-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was sent a Wage Deduction Notice from a Law Firm named XXXX XXXX XXXX, XXXX. on XX/XX/XXXX. I contacted the debt collector early XX/XX/XXXX. I had spoken with someone at extension XXXX. I was not ever aware of a Capital One Credit Card account of any sort. Allegedly, I opened account # XXXX on XX/XX/XXXX and the account was sent to collections on XX/XX/XXXX & I have two accts on file.I was not aware of these accounts until XX/XX/XXXX from Cap 1 customer rep, XXXX XXXX & when I contacted the law firm responsible for this account. I gathered the following information. 
* XX/XX/XXXX, I allegedly communicated that I disagreed with payment & made payment plans. 
* I was served XX/XX/XXXX * Documentation was sent to my address on unspecified date * Settlement amt sent to my home on unspecified date The other Cap 1 account number is XXXX. I filed a Deceptive Practice Credit Card Report # XXXX. Cap 1 is currently investigating the acct now.I have placed a fraud alert on all 3 credit bureaus. I will do whatever it takes to prove that this is not my account.
Consumer complaint received 2020-02-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P. (CA)

The Company " LVNV FUNDING LLC '' has falsy accused me of having debt that I did not accrue. In addition they sent me a letter posing as a lawyer suing me for debt in the state of California.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I ALLOWED A NEW OFFICE TO PREPARE MY TAX RETURN AND WAS ADVISED THAT MY INFORMATION WAS LOST DURING A RELOCATION. I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NO AFFILATION WITH OR KNOWLEDGE OF. I ALSO SEEN THAT SOMEONE HAS BEEN ATTEMPTING TO ACCESS LINES OF CREDIT IN MY NAME WITH CREDITORS SUCH AS XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NOT AUTHORIZED THESE TRANSACTIONS I'VE CONTACTED THE CREDIT BUREAUS NOTIFYING THEM OF THESE ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERFIABLE.

FURNISHING INFORMATION WITHOUT MY WRITTEN CONSENT IS IN VIOLATION OF 15 USC 1681, ALSO FURNISHING ACCOUNTS RESULTING IN IDENTITY FRAUD IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2022-02-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. I have requested that the unauthorized inquiries that were obtained without my consent or knowledge of the use of my personal information be removed. The creditors nor the credit bureaus have proven, or shown me proof in any way that theses items were done by me.
Consumer complaint received 2022-02-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. I have requested that the unauthorized inquiries that were obtained without my consent or knowledge of the use of my personal information be removed. The creditors nor the credit bureaus have proven, or shown me proof in any way that theses items were done by me.
Consumer complaint received 2022-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Neon Newco Corporation (CA)

Been usin netspend since I don't have a bank account. I just got laid off but I was happy to kno that I still had {$22.00} left that I can use for gas to help look for another job. Will I pulled up to a gas station just to find out Netspend closed my account. I still have the app state I'm still a customer and my remaining balance. I call them to try and resolve it, they ask me for my social security number or card to continue on, but it said it's invalid.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX Then 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 accounts. 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 2022-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (VA)

I am a federally protected consumer and a natural living person. I am aware that this company by the name of Collecto/Eos Cca , is committing fraud and claiming that I owe this company an alleged debt. I hereby refuse this alleged debt and request that this company provide me with documentary evidence which shows that I legally owe you this alleged debt. I am also aware that this company has violated the Fair Credit Reporting Act by reporting unfair and inaccurate information as according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and Collecto/Eos Cca should be excluded from personal reports. I am saddened to see that this company thrives on deceiving its consumers and hope to find a resolution to this problem.
Consumer complaint received 2022-02-27
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: AMERICAN HONDA FINANCE CORP (IL)

Reached out to the general sales manager at motorwerks informing whom it may concern that I am disappointed to learn that as a consumer Ive been violated in many ways. Any consumer credit transaction that involves a finance charge, we as consumers, have the right to rescind.15 USC 1635 states to clearly and conspicuously disclose that a consumer has the right to rescind. My contract does not state right to rescind it in fact states no cooling off period and I was not disclosed this information during this transaction which is a violation of my consumer rights. Fact, the Truth in Lending Act ( TILA ) is a federal law that is apart of the Consumer Credit Protection Act. Pursuant to 15 USC 1605 the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. A down payment is in fact another violation. XXXX XXXX collected {$8000.00} in cash as a down payment. The whole contract and arbitration agreement is fraud because for one my insurance was not included in the finance charge and two you cant finance and do a cash transaction at the same time its either one or the other. There are no statue of limitations on fraud so I am hereby rescinding this transaction. I would love to give this company the chance to right this wrong before further action.
Consumer complaint received 2022-02-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I have requested that the unauthorized inquiries that were obtained without my consent or knowledge of the use of my personal information be removed. The creditors nor the credit bureaus have proven, or shown me proof in any way that theses items were done by me.
Consumer complaint received 2022-03-22
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. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-08
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. (TX)

Personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. 

Incorrect names : XXXX, XXXX, XXXX XXXX, XXXX Incorrect addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect employment information : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-02-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (TX)

I have called PNC XXXX times to close my account. I was told I was unable to do so all times unless I had a XXXX balance. Today I received an overdraft fee from account service charges. I just want this account closed.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (AL)

Began the relationship I'm XXXX of 2021, at a monthly charge of XXXX. Was told on the phone that one of the specific issues on my report could be handled and removed by the firm. It was not. Continued paying for 8 months now. Attempted to leave once before and was given a discount with a " we can try this instead '' more paperwork to sign. Documents supposedly sent off to credit companies. Canceled today. Upon attempting to cancel was again given a " we can try this different option '' to gain more headway. At every checkup simply told.to wait another 60-90 days with no update. Collecting money all the while. It seems to be the majority of the process is automated and extra action is only taken when you threaten to leave. 8 months later and there has been no removal of any item from my report as well as no information given as to why. I can't even prove for sure if any of these documents were actually sent to the correct places or not. Di not recommend this service at all. It's simply a money grab to keep you on the hook for services that are never performed.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 
XXXX / XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX the XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX data on XX/XX/XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX CXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX Card on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2022-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AZ)

I have spent hours attempting to resolve the issue. I have even gone to a XXXX  office. On the phone all people that I have spoken to have been out of the country. I had given XXXX  a credit card number to pay for the service. When the phone was never connected successfully, I contacted my bank and it took XXXX XXXX 3 months to obtain my money back. 
Now I have a letter from Credit Collection Services stating that I owe {XXXX}.
Consumer complaint received 2022-02-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On this date, XX/XX/2017 company opened a collection. 
Account # XXXX {$380.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4.

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXX XXXX XXXX