davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (NY)

I received a gift card from a student for XXXX from TD bank Because I didnt use the card until now the funds have been depleted for inactivity, although there is an expiration date of XX/XX/XXXX I wanted to know if this is legal since I did receive other cards from other banks at the same time and have been able to use them And if it is legal, it is certainly not fair. 
I hope that you can help me in this matter
Consumer complaint received 2022-06-16
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 US 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 2020-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: STATE FARM BANK, FSB (FL)

I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2022-06-16
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. (NJ)

In accordance with the Fair Credit Report act XXXXXXXX XXXX  account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission
Consumer complaint received 2022-06-16
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. (NJ)

In accordance with the Fair Credit Report act XXXXXXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission
Consumer complaint received 2020-07-26
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (AZ)

I have received a collection letter from a collection company demanding payment of {$39000.00} in conjunction with an alleged student loan that is not and was not mine. The date of origination of this alleged loan is XX/XX/XXXX, and the alleged date of default is XX/XX/XXXX. This is perhaps the tenth collections company over the past six or more years that has contacted me about this and each time I have advised that this is not my debt. Each company goes on to sell the alleged debt to another company. I'm tired of this. This most recent company threatens to report me to the credit bureaus.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Consumer complaint received 2022-02-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Hallstrom Law Firm PLLC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX.
Consumer complaint received 2021-09-18
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: OneMain Finance Corporation (VA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$0.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently looked at my credit report and seen XXXX XXXX  on my report. I have no knowledge of this account and it is fraud. I also filed with FTC.
Consumer complaint received 2022-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-11-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NY)

I am writing in regards to my current mortgage company Selene Finance, a couple years ago due to knees replacements I sustained financial difficulties in which my house went into foreclosure resulting in court proceedings with said company causing court fines/fees from Selene Finance to be attached to my mortgage, Selene Finance also attached a private mortgage insurance which increased my monthly payments from {$3300.00} to {$3400.00} and currently {$3600.00}. On XX/XX/XXXX after speaking to a Selene Finance representative who stated I will have to submit an email to the company and that a response would take on or about thirty days in which I submitted as per my bank statements all payments made. I owed from XX/XX/XXXX to XX/XX/XXXX a payment of {$10000.00} was drafted from my XXXX account on XX/XX/XXXX, XX/XX/XXXX {$3500.00}, XX/XX/XXXX {$3500.00}, XX/XX/XXXX {$3500.00}, XX/XX/XXXX {$3500.00}. I owed XXXX to XXXX and on XX/XX/XXXX {$10000.00} was drafted from my account. On XX/XX/XXXX $ {$3500.00}, XX/XX/XXXX {$3500.00}, XX/XX/XXXX {$3500.00} and on XX/XX/XXXX {$580000.00} was drafted from my account. I was prompted by their automated system while paying my monthly mortgage payments that there were fees attached to my mortgage in which I emailed Selene Finance to dispute about non payment of the fees which clearly showing the difference of my monthly payment and that of payments where the fees where paid. I spoke to another representative who stated that as of XX/XX/XXXX my private mortgage Insurance will no longer exist however my XX/XX/XXXX mortgage payment explanation of amount due is as follows : ( Principal $ {$930.00}, Interest {$1400.00}, Escrow ( for taxes and or insurance ) XXXX Regular Monthly Payment {$3600.00} ) and ( Total Late Fees and Other Charges {$3500.00} ) total {$7200.00} which clearly their record and automated recording should have shown that the payments were already made.
Consumer complaint received 2020-07-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I am confused. I believe Huntington bank has not filed a proper release of lien letter for XXXX XXXX XXXX in XXXX XXXX PA. I have tried to contact them but no response.This loan was fromXXXX I believe they filed it in Ohio, but I dont believe it was transferred to XXXX count?. Could this be why XXXX XXXX  did not pickup their release of Lien? I apparently don't have clear certificate of Title. Perhaps the title search show that the Lien filed in Ohio but does not show up in XXXX County PA? Please tell them to file the release of lien in XXXX County PA. Or provide a quit claim document to me from them and file in XXXX count PA. It shows they filed the Lien in XXXX County, they should be able to file the release in XXXX county as well? This is causing a cloud on the title and prohibiting me from getting a certificate of Title and refinancing. 

I request they provide an Abstract of title for XXXX XXXX ensuring their job is complete and I will not have any more issues. In addition I as they provide me a Warranty Deed to ensure this will never happen again. 

Thank you, Huntington Case # : XXXX CFPB Case # XXXX XXXX XXXX After recording return to : The Huntington National Bank XXXX XXXX XXXX, XXXX XXXX XXXX Oh XXXX Parcel # XXXX AND XXXX SATISFACTION PIECE Pennsylvania Loan Number XXXX I do hereby certify that this address is the property address and belongs to the mortgagor : XXXX XXXX XXXX XXXX PA XXXX XXXX Name of Mortgagor : XXXX XXXX XXXX AND XXXX XXXX XXXX , HUSBAND AND WIFE Name of Mortgagee : THE HUNTINGTON NATIONAL BANK Date of Mortgage : XX/XX/12 Original Mortgage Debit : {$280000.00} Mortgage Recorded on XX/XX/12 in the office of the recorder of deeds of XXXX County, Pennsylvania , Township of XXXX recorded in Mortgage Book/Volume XXXX Page XXXX Document Number XXXX said mortgage assigned to NA in book NA page NA further assigned to NA book NA page NA. No Legal Required The undersigned hereby certifies that the debt secured by the above mentioned mortgage has been fully paid and discharged and that upon the record in hereof said mortgage shall be and is hereby fully and forever satisfied and discharged. 

In witness whereof as The Huntington National Bank as caused this instrument to be executed in its corporate name by its XXXX XXXX XXXX, Assistant Vice President on XXXX XXXX. 
The Huntington National Bank XXXX XXXX XXXX, Assistant Vice President STATE OF Ohio COUNTY OF XXXX On XXXX. XXXX, XXXX before me, the undersigned notary public personally appeared XXXX XXXX XXXX who acknowledged XXXX to be the Assistant Vice President of The Huntington National Bank and that he'she as such being authorized so to do, executed the foregoing instrument for purposes therein contained, by signing the name of the corporation by himself'herself as such corporate officer. In testimony whereof, I have hereunto set my hand and official seal.
Consumer complaint received 2020-07-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

This company has continued to change its name many times across the 3 major credit bureaus. They refuse to send me any information. I have attached the last letter sent to them dated XX/XX/2020. I have sent a certified letter to them every month since XXXX. They have continued to ignore my letters and have refused to send me any correspondence. They never sent a debt letter so that I could have the opportunity to dispute the debt. They only ignore all of my correspondences. They change their name from LVNV to Resurgent but list the same address. I have also sent letters to credit bureaus and they keep validating the debt even though I receive nothing from this agency.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

address not mine That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX   XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX and 13 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

I was approached on XXXX. A guy asked me if I had any experience in XXXX trading. He presented himself as a XXXX man working for as a project manager in XXXX. He instructed me to download XXXX which then directed me to a scam website called XXXX which ked me to a practice wallet account with XXXX XXXX XXXX  ( which is the scam company ). 
He had tricked me into opening an account with them and to practice XXXX trading, after that I was manipulated into opening a real account with XXXX USD I had traded for a while, earned some money, but every time I wanted to withdraw my funds they asked for more to be placed in. 
I then realized it was a scam. 
It all started around XX/XX/XXXX. 
I lost XXXX USD The money was transferred from my Coinbase wallet to the scam wallet in XXXX then to the scammers -XXXX XXXX
Consumer complaint received 2018-07-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I have applied for an HELOC from Santander Bank, headquartered at XXXX XXXX XXXX, XXXX, MA. The Consumer Credit Processing office is located in XXXX, Rhode Island. 

I have made numerous requests to receive specimen copies of all documents ( " CONTRACTUAL DOCUMENTS '' as defined by CFPB ) that I will be asked to sign at the closing so that I have ample time to review them myself and to then have them reviewed by my legal advisor. 

1. THE BANK REFUSES TO PROVIDE THESE DOCUMENTS.

2. THE PROCESSING CENTER STAFF REFUSES TO PROVIDE THE NAME AND TELEPHONE NUMBER FOR A PERSON IN THE GENERAL COUNSEL 'S OFFICE. 

3. THE BANK APPEARS TO HAVE DELIBERATELY CONCEALED TELEPHONE NUMBERS FOR ITS EXECUTIVE OFFICE AND OFFICERS TO PREVENT A CUSTOMER FROM ESCALATING REQUESTS SUCH AS THIS ONE. 

XXXX. THE BANK IS ENGAGED IN AN UNFAIR AND DECEPTIVE BUSINESS PRACTICE BY INTERFERING IN ITS CUSTOMERS ' RIGHT TO INSPECT LEGAL DOCUMENTS AND TO HAVE THEM REVIEWED PRIOR TO CLOSING ON THE LOAN.
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (CA)

To Whom It May Concern, On XX/XX/2024 I mailed to you a letter of an FTC report in addition to disputing information contained in federal trade consumer reports compiled, maintained, and published by you allegedly concerning regarding the following accounts listed in the FTC report below. Per records, you received my dispute letter on XX/XX/2024. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-to-60-day period of the date on which you received my dispute letter. You received my dispute letter on XX/XX/2024. Therefore, your response was due on or by XX/XX/2024. Instead of sending me a response letter with proof of said verified account XXXX XXXX XXXX to the result of your investigation of the disputed information, your interim response claimed a verbiage of accounts reported under the FTC report that some accounts were not reported, and one account which was verified as accurate. 
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because of said alleged account marked as verified under my name without my consent of knowledge. Your excuse or assumption is a not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly delete the disputed information based off the laws previously stated and enforced in addition to more FCRA laws that are currently being broken by your company 's corporation. 
Additionally, as per the FCRA, you are liable to me for damages for your conduct. 
Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX XXXX. Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) there must be a deletion of the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1000.00} check to my mailing address listed above.
Consumer complaint received 2020-07-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX XXXXXXXX XXXX XXXX  repeatedly calls my cell phone along with my wifes cell phone threatening to file a complaint in court for a debt that I dont recognize. They have an investigator calling and leavening messages on my cell phone stating that they are filing legal charges against us in court. They threatened to cause damage by reporting this to my credit. They are making false accusations on an old debt from 2010. They told me that I had 7 judgments against me which are not true. I attempted to ask them to validate the debt by sending me information via mail or email. They refused unless we agreed to make a payment. I asked them to cease and desist calls to my cell phone and they told me they will not honor my request. They are also harassing my wife when she told them to stop calling her cell phone as well.