davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer You are required to do what I am asking and block these transactions from being reported to my consumer report within a timely matter IMMEDIATELY the dates last active is inaccurate, birthdate incorrect and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation Party Owed : XXXX Amount : {$1300.00} Account # : XXXX Party Owed : XXXX Amount : {$3000.00} Account # : XXXX Party Owed : XXXX Amount : {$2600.00} Account # : XXXX Party Owed : XXXX Amount : {$5500.00} Account # : XXXX Party Owed : XXXX Amount : {$4800.00} Account # : XXXX Party Owed : XXXX Amount : {$6600.00} Account # : XXXX Party Owed : XXXX Amount : {$1000.00} Account # : XXXX Party Owed : XXXX Amount : {$4600.00} Account # : XXXX Party Owed : XXXX Amount : {$5300.00} Account # : XXXX Party Owed : XXXX Amount : {$1.00} Account # : XXXX Party Owed : XXXX Amount : {$3500.00} Account # : XXXX Party Owed : XXXX Amount : {$6700.00} Account # : XXXX Party Owed : XXXX Amount : {$0.00} Account # : XXXX Party Owed : XXXX Amount : {$1000.00} Account # : XXXX Party Owed : XXXX Amount : {$4700.00} Account # : XXXX Party Owed : XXXX Amount : {$4100.00} Account # : XXXX Party Owed : XXXX Amount : {$3500.00} Account # : XXXX Party Owed : XXXX Amount : {$1000.00} Account # : XXXX Party Owed : XXXX XXXX XXXX XXXX A Amount : {$600.00} Account # : XXXX XXXX Owed : XXXX  XXXX Amount : {$550.00} Account # : XXXX Party Owed : XXXX  Amount : {$600.00} Account # : XXXX I am disputing this claim due to : I HAVE KNOW KNOWLEGDE OF THIS ACCOUNT IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT XXXX XXXX & EXPERIAN HAS VIOLATED MY RIGHTS.
Consumer complaint received 2021-06-11
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: TOYOTA MOTOR CREDIT CORPORATION (CT)

I LOOKED AT MY REPORT AND NOTICED FRAUDULENT ACTIVITY. THERE ARE ACCOUNTS AND INQUIRIES THAT ARE NOT MINE. 
1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (MI)

in accordance with the Fair Credit Reporting Act XXXX XXXX BANK, 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
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I had disputed with portfolio recovery collection agency that they had indicated that I had opened up my credit card in XX/XX/XXXX I just got back the dispute stating that it was valid Ive called portfolio recovery collection agency today and I was advised I opened up the account with XXXX XXXX on XX/XX/XXXX of XXXX the account charged off on XX/XX/XXXX of XXXX. Portfolio Recovery collection agency purchased the debt on XXXX XXXX. The response back to me it stated they will remove this in XX/XX/XXXX. I lived in Arizona when the account was opened/closed. The STATUE OF LIMITATIONS is 6 years. When I spoke to someone at Portfolio Recovery today I did ask them to send me proof of Validation of debt. They are reporting an incorrect date that this account was OPENED. I havent made any Payments on this account to start the clock over.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (MD)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 I called Bank of America to ask why I was being debited payments for different companies from an old debit card that I had clearly changed because it had been compromised. I updated the companies that I need to and left out the ones I wanted to stop payment on. Thinking that since they didnt have the new debit card they couldnt withdraw any funds ( a letter was also sent to the companies to revoke authorization ). To my surprise Bank of America kept paying the companies even tho there was a revoked authorization or stop payment in place. Frustrated I called gain to his time the lady in the phone assured me that the stop payment would take place. It didnt Im still being be tied as of today. BofA excuse? I was told that if the companies change their account number every time a debit happens they have no way of stoping them from taking the funds However this is not true according to federal law which states that a client may revoke an authorization at any time by phone, email, fax and writing. On my last call with bak of America I begged for a solution as I saw my bank account drained. No was given except to take my funds XXXX close mY account. Then there was a Holliday and banks where closed and today Im in this letter hoping that Bank of America rectifies this because they wont do it for me.
Consumer complaint received 2022-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (AZ)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NATLCRSYS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (TX)

I bought two {$100.00} Visa prepaid gift cards ( one on  XX/XX/2019 and XX/XX/2019 ) at a XXXX near my house. When I went back to use them today ( XX/XX/2019 ), I found that both of the cards have a {$0.00} balance. I called up the company on XX/XX/2019, but since I've since lost the tiny receipts from a month ago, the company 's representative said I'm out my {$200.00} without recourse. On top of that, I was very discouraged to see that this has been an ongoing problem with this company for the past three years ( XXXX XXXX XXXX ). I can produce digital documentation showing that I bought the cards ( from XXXX and a matching charge on my credit card ), but I don't believe the company will accept that as proof that I purchased the card ( despite their website confirming the date of purchase and the place of purchase ). 
When looking further on their website, I can see that two ( possibly faked ) contacts registered the cards thru the company 's website. They do not live in the same city/state that I purchased the cards in. None of the transactions on the cards match the state I live in. This company severely needs to invest in adding another layer of security as their currently system is easily hacked.
Consumer complaint received 2022-02-22
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted Transunion on numerous occasions by certified mail. It has become increasingly clear that they are being willfully negligent in rectifying my affairs regarding my consumer report. 

Please see attached documents
Consumer complaint received 2021-06-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Hello, I am trying to get a mortgage from Bank of America. My loan officer ( NMLS # XXXX ) continually ignores me when I message her asking for certain documents such as conditional loan approval. She refuses to communicate with me in a timely manner and this is causing much duress on my behalf. I believe her refusal to work with me or communicate with me is racially motivated. I have attempted to contact her manager but to no avail, my messages go ignored. At this point, I am in danger of losing a deposit on a home of {$25000.00} and my loan officer still ignores me.
Consumer complaint received 2022-01-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TX)

This company has reported this debt on my report report has being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating i owe this account or company. I have attempted to contact this company on many occasions with no resolution. I have also submitted disputes to all XXXX credit bureaus for them to validate this debt and to provide the written and signed contracts for this company reporting the debt as well as verifying and validating the amount owed and the accuracy of this reporting. They are not disputing this with the company nor providing the requested documentation. This still has not been removed from my credit reports which has caused me to be denied for credit and I have advised them of the FCRA laws and requested these be removed. Please request for this to be removed asap. Thanks
Consumer complaint received 2022-02-22
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. (MI)

in accordance with the Fair Credit Reporting Act Convergent 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
Consumer complaint received 2021-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

This is the second time in as many months that I've had to file a complaint against Citibank regarding their unscrupulous billing practices. I have a regular balance, and a no interest promotional balance on my account. My minimum payment due for XXXX was {$28.00}. On XX/XX/XXXX, I made a payment of {$28.00}. That satisfied the minimum due on my account. On XX/XX/XXXX, I made a second payment of {$25.00}. I told Citi to apply that to my promotional balance, which they did. Then on XX/XX/XXXX, I made a third payment for {$75.00}. I again asked Citi to apply that payment to my promotional balance. However, they won't do that because they are trying to claim that I didn't pay my minimum payment of {$28.00}. They are attempting to only count that second payment of {$25.00} I made on XX/XX/XXXX and are refusing to acknowledge the payment of {$28.00} I made on XX/XX/XXXX. This is the same tactic they tried to pull on me a few months ago and I had to file a complaint then too. I believe they are trying to prevent me from paying off my promotional balance by the expiration date so that they can charge me 18 months worth of interest on that balance.
Consumer complaint received 2022-01-20
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. (CA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. ( XXXX XXXX XXXX XXXX )
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I suffered a XXXX and a XXXX XXXX in XX/XX/XXXX. I applied for help with Keep your Home California and received it in XX/XX/XXXX but according to the mortgage company my payments didnt lower in fact they went up still leaving me struggling. Now a new mortgage company has taken over this year PHH Acct XXXX and when I wrote them and requested to apply for another modification with better payments I was told to find the old one that was sent its still is active. But a few days later I received in the mail I was no longer eligible and my choice was foreclosure.
Consumer complaint received 2022-01-20
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: HYUNDAI CAPITAL AMERICA (CA)

Last XX/XX/XXXX, I found some wrong details on my credit report. I immediately wrote to the credit bureaus to correct and have these items removed or updated but until today, XX/XX/XXXX, these very same items are still on my account. It seems the credit bureaus have done nothing to address my request. I am writing to have the following items removed : XXXX : KIA MTR FIN XXXX I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater; Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Consumer complaint received 2021-06-11
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: Southern Management Systems Inc. (GA)

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Southern Management Systems I am unaware of the above listed accounts. Please validate this information with the creditors 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 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hello! I am disputing a Capital One credit card debt that is on my credit report and that does not belong to me. I was underage at the time of this activity and had no previous knowledge of this. On XX/XX/2021. I disputed the information with all 3 companies of the credit bureau. XXXX, XXXX, and XXXX. Only one company XXXX  has resolved this item all other companies are still reporting inaccurately and is still on my credit report. I sent a copy of my birthdate by current ID. That proves I was well underage at this time. XXXX  sent notice back on XX/XX/2021 stating the account was accurate without any proof of accuracies. On XX/XX/2021 I filed a second dispute to verify with proof of identity with correct date of birth and etc. I have not heard anything back again. I am a entering college and my credit is very important to me. All i am getting is updates to my report stating the account is accurate when in-fact it is not. I feel as though i'm being defrauded and I have been taking all necessary steps to get this cleared up including filing a Fraud alert with the FTC and freezing all my personal info. Please help me.
Consumer complaint received 2018-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

On XX/XX/XXXX I purchased {$300.00} in Bitcoins on CoinBase. I was initially told the funds cleared from my Bank account on XX/XX/XXXX. I purchased another {$300.00} on XX/XX/XXXX recognizing it would take about 5 days to clear. 
Coinbase now says that I won't have access to those funds until XX/XX/XXXX! 
My Bank account has been charged {$600.00} and while I don't have access to those funds on Coinbase due to a drop in Bitcoin values I'm loosing money.