davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Card Acquisitions Group (CA)

I have informed this company numerous times not to call me at work regarding a debt I'm not aware of because they never give me any formation who they are or who they represent. On this date, they called me at work yet again, I hung up on them. 

Not even 5 minutes later, my landlord calls me and informs me that this agency has called him asking for information on me. 
This company has also called me numerous times with threats of having me served with legal documents at my jobsite. Also, today a fax was sent to my employer at my jobsite requesting personal information on me. 

i need all contact to STOP IMMEDIATELY!!
Consumer complaint received 2023-12-31
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MI)

I noticed on my credit report that my Lowe 's credit card was closed. I called Lowe 's customer service to inquire on why was the account closed and who closed the account? I was informed by the customer service agent that the account was closed on XX/XX/XXXX, due to an increased credit history. I didn't understand why the account was closed due to a {$0.00} balance with Lowe 's and never being late with any Lowe 's credit card payment. All balances were paid within 30 days.The closing of the account was reported to two credit reporting agencies before I was notified. There is no mention in the Lowe 's Consumers Credit Financing information enclosed with my credit card, or billing statements that I would be judged during the holiday season on other high credit card balances. The closing of the Lowe 's credit card decreased my credit score. I was informed by the agent that I will be receiving a letter in the mail.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I sent letters on XX/XX/21 and XX/XX/21, and have received no response providing validation. I would like the account removed from all XXXX credit reports ( XXXX, XXXX, and XXXX ). According to the Fair Credit Reporting Act, if a company can not verify within 30 days, the negative remark must be removed ; It has been well over 30 days.
Consumer complaint received 2019-08-07
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. (TX)

It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2019-08-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Receivables Fund Incorporated (AZ)

I been sued from Unifund CCR , LLC, .. on very very old debt dated back XXXX total 23 years, after periodically requested the validity of the debt. 
No proof or validation of debt was ever given to me, No proof of authority to collect a debt was ever given to me, No accounting of the debt was ever provided, and No account has ever existed between my self and Unifund CCR , LLC, ... as they claim. 
Attached is a copy of the request letter dated XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (PA)

Truist bank charged me on 3 different occasions for overdrafts when my account had money in it. I asked the money be returned and they told me they only correct 2 overdrafts in a two year period regardless if it was the institutions fault. I asked for a copy of that policy and I was told they do not give that policy to customers. I said I would like them to return my money and I was told they could not.
Consumer complaint received 2021-08-28
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. (TX)

The credit reporting agencies are reporting delinquent balances that have been paid. 
Original Creditor XXXX XXXX XXXX  ; {$660.00} paid XX/XX/2020 Original Creditor XXXX  XXXX ; {$160.00} paid XX/XX/2020 Credit reporting agencies are reporting collections that don't belong to me. 
Original Creditor 11 XXXX ; {$440.00}, not my account. 
XXXX XXXX XXXX Alabama XXXX XXXX ; {$380.00}, not my account.
Consumer complaint received 2021-05-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CO)

My account was accessed while I was XXXXXXXX from XX/XX/XXXX til XXXX  XXXX of this year. Someone that I know assumed my identity and changed all of my login information so they could access my stimulus and other money from my account. I never gave power of attorney and have filed a formal complaint with identitytheft.gov. This person essentially has stolen close to {$5000.00} from 3 of my accounts. My XXXX, Chime Bank and my XXXX XXXX accounts. I have a paper trail that outlines unauthorized transactions from the entire time that I was XXXX
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

On XX/XX/2021 a check # XXXX written by myself to XXXXXXXX XXXX for {$240.00} for a Doctor bill was deposited into an account at Fifth Third Bank in Ohio. I have contacted Fifth Third Bank on XX/XX/2021 and explained that this check was never received by the intended payee and that they do not have an account with Fifth Third Bank which was confirmed by Fifth Third Bank. I requested my {$240.00} be returned to my checking account and the Bank manager refused to help me and stated I needed to have my Bank XXXX XXXXXXXX XXXX Contact Fifth Third Bank which I did. On XX/XX/2021 XXXX XXXX XXXX over night express mailed a copy of the deposited check front and back, as well as information from the Federal Reserve, my account number and the routing number and requested that the {$240.00} be returned to my checking account asap. They also informed Fifth Third Bank that they believe this check # XXXX for {$240.00} was intercepted in the mail and deposited fraudulently since the intended payee does not hold any accounts with Fifth Third Bank. It is XX/XX/2021 and Fifth Third Bank has not responded to any documentation from my bank or returned my fraudulently deposited check that they had no right to negotiate since the payee holds no accounts with their Bank.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (VT)

On XX/XX/2021 I received notifications that transactions were being made on my td bank account, I immediately called and spoke to customer service and was told that because the transactions were still pending I could not do anything about the fraudulent transactions. 
XXXX  days later the charges were processed and no longer pending, I went into my local td bank and asked for the charges to be disputed and to receive my new debit card. A few days later I received a letter stating that the transactions were investigated and that there wasnt any fraud that occurred. I have asked numerous time since in emails and via customer service for the information that was used to make this determination, I still have not received this or any explanation, I have also asked for these charges to be disputed and investigated properly. These were fraudulent transactions that were made from my account to different XXXX  in the amount of {$600.00} dollars. I have also made a police report after I received the notifications about these transactions. Td bank has not been any help to me.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of iXXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-03-28
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. (GA)

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 XXXX XXXX # XXXX SXXXX XXXX # XXXX Has violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-28
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. (GA)

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 XXXX XXXX  # XXXX XXXX XXXX # XXXX Has violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-01-21
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: United PanAm Financial Corp. (TX)

UACC has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I XXXX XXXX has found that Experian has violated my rights as a consumer. I viewed my credit profile and notice several improper usage that took place. I am notifying Experian that I am sending a warning with a Letter of Intent certified in the mail and I will take action to litigate this matter immediately. 1. Pursuant 15 usc 1681 ( c ) ( a ) 2. Pursuant 15 usc 1681 b. I did not provide Experian nor any debtor permission to view, pull or place any information on to my credit report. I am the original creditor. I didnt personally contact Experian through mail with no documents stating that I am allowing my credit profile to be viewed or pull for any extension of credit with XXXX XXXX. Legally I must send in a legal document stating that I am allowing permission but I never did and Experian does not have a legal documents with my signature stating such fact. I am seeking compensation for damages youve cost for years. The accounts that is listed on my credit report XXXX XXXX # XXXX XX/XX/XXXX ) XXXX XXXX # XXXX XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) which I didnt give anyone debtor nor credit bureau permission to pull my credit. I have attached the images along with documents of an invoice for compensation of damages. We can settle this out of court and I am only allowing 5 calendar days for this information to be removed immediately and permanently. If for any reason my credit report is used without my permission in the future I will file a law suit triple the amount of compensation I will be seeking. I am only allowing 72 hrs for deletion due to violation of Pursuant 15 usc 1681.
Consumer complaint received 2019-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (FL)

I noticed that my credit score had dropped a few points recently on the credit monitoring site that I use. I looked into it and saw that it was a result of a collection against me originally from XXXX for {$29.00} issued in XX/XX/2019. I had not received anything in the mail about this, and I did not know where this debt came from. I did use XXXX services 2 years ago, but I canceled my account when I moved back home. I do not owe them any money. I do not know how to dispute this.
Consumer complaint received 2016-01-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (MT)

I received a settlement in XXXX based on harmful lending practices by Flagstar bank. The question I have is, this was a VA loan and the VA was never compensated for their part of the loan they backed, now I have a substantially reduced amount that the VA will lend me based on this. Is there a way to get the VA repaid? Also my credit report now states foreclosure redeemed, is there a way to have it removed all together? Thank you for your time
Consumer complaint received 2022-09-27
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. (CT)

late payments on student loan accounts. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on XXXX XXXX account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-01-21
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 have consistently called and mailed Equifax to remove inaccurate reporting on my credit report. I have called numerous times and have sent certified mail to their fraud department. I have filed an FTC report and provided the information they have requested. I called again today to ask the status of the removal of inquiries and I have been told something different every single time I call by a different agent. I have requested to speak to supervisors, but I get lost in the transfer or hung up on. I have not had any success with this company and it has been months.
Consumer complaint received 2022-01-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SPECIALIZED LOAN SERVICING LLC, THREATEN TO FORECLOSED ON OUR HOME AND REFUSED TO GIVE US AN AFFORDABLE MODIFICATION OR SETTLEMENT. 
SLS, CONTINUE TO VIOLATE ALL RULES AND REJECT HUD MODIFICATION AND ALL OFFERS WE HAVE SUBMITTED. 
XX/XX/XXXX, XXXX XXXX TOLD US WE ARE NOT QUALIFIED FOR ANY MODIFICATION OR SETTLEMENT. 


ACCOUNT # XXXX I HAVE BEEN STRUGGLING WITH SLS TO GET A SETTLEMENT THAT IS REASONABLE. 
WE WERE OFFERED {$120000.00}. THEN SOME TIME LATER WE WERE OFFERED A GREATER AMOUNT OF {$150000.00}. NOW THEY DEMAND {$280000.00}. 
ON XX/XX/XXXX, WE WERE OFFERED {$150000.00} TO SETTLE. 10 MONTHS LATER ON XX/XX/XXXX, WE SENT A LETTER AGREEING TO THAT SETTLEMENT. 
ON XX/XX/XXXX, 21 DAYS LATER, WE GOT A LETTER STATING THAT THE DEMAND IS NOW {$270000.00}. THATS IN LESS THAN ONE MONTH THEIR DEMAND JUMPED {$110000.00} WHICH CAUSED US MORE DISTRESS AND SEEMS LIKELY ILLEGAL TO DO TO A XXXX XXXX. 
EACH TIME WE ARE READY TO MEET THEIR DEMANDS THEY RAISE IT SAYING THAT THE PROPERTY IS WORTH MORE NOW, EVEN THOUGH THE INVESTOR PAID LESS THAN {$120000.00} FOR IT, THEY NOW DEMAND {$280000.00}. 
NOW I AM OVER XXXX SOON TO TURN XXXX XXXX XXXX XXXX. 
ALL OF MY LIFE 'S WORK IS IN THE REAL ESTATE HOLDINGS THAT MY WIFE AND I HAVE, WE HAVE NO XXXX, NO SAVINGS, NO LIFE INSURANCE. 
THEIR POINT OF CONTACT HAS BEEN BRUTAL WITH US, ESPECIALLY IN DEALING WITH MY WIFE, BUT WITH 3RD PARTIES AS WELL. SO BRUTAL THAT MY WIFES HEALTH HAS SUFFERED TREMENDOUSLY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
WE ASK FOR A NEW POINT OF CONTACT, THEY PROMISE TO DO SO BUT NEVER DO. HER NAME IS XXXX XXXX ID # XXXX. 
XXXX SUGGESTED WE CONTACT HUD FOR HELP. WE HAVE ASKED HUD TO ASSIST US BUT WHEN HUD MAKES THEIR RECOMMENDATIONS TO THEM, XXXX, IGNORES THEM. 
XXXX XXXX SAID TO EMAIL A SETTLEMENT OFFER TO THE EMAIL SHE PROVIDED. WE CHECKED BACK WITH HER TO SEE IF SHE HAD SUBMITTED IT TO THE INVESTOR DAYS LATER. SHE HAD NOT. 
SHE SAID SHE WOULD SEND IT EITHER TONIGHT OR BY TOMORROW MORNING. BUT LATER IN THE HEATED CONVERSATION SHE SAID IT WAS DECLINED. 
AND WHEN SHE DOES SUBMIT A LOAN MODIFICATION OR SETTLEMENT, SHE PURPOSELY MISREPRESENTS US!! THE PROOF IS IN WRITING WHERE SHE STATES THAT OUR XXXX SCORE IS XXXX WHEN IN FACT IT IS XXXX 
WE NEED XXXX XXXX REPLACED WITH A PROFESSIONAL NEGOTIATOR PLEASE. 
SEE ATTACHED DOCUMENTS SETTLEMENT AND DATES ATTACHED TO THE BEST OF MY KNOWLEDGE, XXXX XXXX
Consumer complaint received 2018-05-09
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mobiloans, LLC (IN)

On XX/XX/2018 during the early evening I called by a XXXX who left a voicemail. He stated that he was XXXX from XXXX and that he was attempting to locate me. Did NOT mention this involved a debt. he went on to say that I had until the next morning to call him at his direct number for they would contact my employer and family members to try to locate me ... obviously not something I want, that's embarrassing and that makes me look bad. I called XXXX direct line that he provided in the voicemail and I requested something validating the debt. He point-blank refused to do so, telling me he had no obligation to do so, claiming that I had received documents in the mail and said that they had sent plenty of emails to me in which they had read receipts of ( which I NEVER received ). I had told him that I did not receive emails and he kept arguing with me and started to raise his voice. He told me that I was going to get my wages garnished at one point.He was literally yelling at me by the time I requested a supervisor, in turn making a snide comment. I have unfortunately fallen on hard times, and have had dealings with debt collectors before ... before good night, I have never had anyone threaten me or yell at me like XXXX did. The supervisor was more concerned about me paying the debt rather than his employee.l good night, I have never had anyone threaten me or yell at me like XXXX did. The supervisor was more concerned about me paying the debt rather than his employee. I will be reporting this to the FTC as well.