davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NJ)

Phoenix financial services LLC has sent me a past due bill from a date of service 6 yrs ago. The bill is from a doctor half way across the country that I have never seen. The collection agency is asking me to send {$900.00} on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX Never heard of either business/ practice
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete the following information in my Credit report. The items I need are listed in my report. I am a victim of identity theft. I ask that the items be deleted to correct my Credit report. 
I reported the theft on my identity to Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible. 

Company Reporting Fraud Information : TransUnion Fraud Account Name : XXXX XXXX XXXX XXXX Phone Number : XXXX Account : XXXX Balance : {$110.00} Open : XXXX Fraud Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Pa XXXX
Consumer complaint received 2019-07-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed this account twice with the credit bureaus and they came back and stated verified. I have documentation that they verified it. I also have documentation from the creditor indicating that I was never late in XX/XX/2019 since the loan was paid in full on XX/XX/2019. So how can this be verified when the loan was paid on XX/XX/2019, and the month has yet ended? This is a violation of the Fair Credit Reporting Act, reporting inaccurate data on credit report.
Consumer complaint received 2019-07-28
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: Experian Information Solutions Inc. (TX)

I do not owe these companies.. I don't acknowledge the creditor. In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX****
Consumer complaint received 2019-07-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP (CA)

I received a letter dated XX/XX/XXXX from Linebarger, Goggan, Blair & Sampson LLP ( hereinafter 'debt collectors ' ) and titled : 'DEMAND FOR PAYMENT ' regarding 3 alleged toll violations from XXXX. 

In response to this initial contact, on XX/XX/XXXX, I sent a written debt validation letter via facsimile and U.S. postal. The written response requested that Debt Collectors validate the debt in question ( see sample debt validation letter that I used as reference to my written request https : XXXX ). In short, within 30 days of the Debt Collectors contact ( viz. XX/XX/XXXX letter ), I responded with a written request to validate the debt in question, which I sent via fax to the number provided on the original DEMAND FOR PAYMENT letter and via U.S. Postal ( proof of service available for each method of delivery ). 

However, the Debt Collector did not send ANY proof of the debt or respond to any of the requests outlined in my written request to validate the debt in question. Instead, said Debt Collectors sent another DEMAND FOR PAYMENT LETTER dated XX/XX/XXXX. 

In short, because Debt Collectors did not send me any proof of the debt, their future collection efforts, as evidenced by the XX/XX/XXXX DEMAND FOR PAYMENT letter, violate my rights under the Fair Debt Collection Practices Act and to that end, I submit this complaint.
Consumer complaint received 2019-07-28
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: Experian Information Solutions Inc. (FL)

I do not owe these companies.. I don't acknowledge the creditor. In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : 12 XXXX  XXXX XXXX XXXX XXXX  ) XXXX****, XXXX   XXXX****, XXXX XXXX  XXXX**
Consumer complaint received 2019-07-28
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. (FL)

I do not owe these companies.. I don't acknowledge the creditor. In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX   XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-03-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (IN)

Not sure where this came from was told debt didnt Exist and was not mine I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that proof of the alleged debt, nor therefore any such debt, in fact exists
Consumer complaint received 2019-07-28
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. (FL)

I do not owe these companies.. I don't acknowledge the creditor. In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX  ) XXXX****, XXXX   XXXX****, XXXX  XXXX XXXX**
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

I sent multiples certified letters to the bank and have not received anything from them. It has been over XXXX months and it has been a mute point, TD Bank Account XXXX I disputed the account on numerous occasions and it came back verified and I want to know how can something come back verified when not even the open and closed date of it are being reported right. Both XXXX  and TD Bank are in violation of my consumer rights under the FCRA according to : 15 USC 1681, I have the right to privacy and USC 1681-2 A person or a corporation shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if -- -- - ( I ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( II ) The information is, in fact inaccurate I can go on and on showing blatant violations for the reporting agency ....
Consumer complaint received 2019-07-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This account XXXX XXXX**** has been illegally reported on my credit report..I formally disputed it directly with the credit bureaus in regards to their illegal reporting and have not received any satisfactor reply..Therefore I am now filing this complaint and request a method of verification pursuant to the FCRA, including the name of the person with whom you spoke who has firsthand knowledge of the account in question.. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's Office, should you continue reporting this erroneous item
Consumer complaint received 2019-07-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account XXXX XXXX has been illegally reported on my credit report..I formally disputed it directly with the credit bureaus in regards to their illegal reporting and have not received any satisfactor reply..Therefore I am now filing this complaint and request a method of verification pursuant to the FCRA, including the name of the person with whom you spoke who has firsthand knowledge of the account in question.. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's Office, should you continue reporting this erroneous item
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc. (MO)

I have a current complaint with company and the company responded said they are having trouble locating our account which is a lie they keep trying to circumvent the situation and it has been on going for months. I could not see where to add additional information so I am starting this second complaint to respond. 
The complaint info : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 My XXXX account and XXXX Play account is under email : XXXX the account they say they can not find. However they keep responding to me on. I have attached a pdf of the transactions and dates but they say they can't see them. Again the are avoiding and circumventing trying to resolve this issue. The Last four of the credit card used was XXXX. They have all this information and here is even on transaction ID and denial from them to do anything and they can locate all the other transactions using this as a reference : Transaction ID GPA.XXXX Transaction ID GPA.XXXX Transaction ID GPA.XXXX Transaction ID GPA.XXXX Transaction ID GPA.XXXX Just to list a few of the incessant charges and they can find my information by accessing these charges as well as reference.
Consumer complaint received 2019-10-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Diverse Funding Associates LLC (FL)

Received a letter from XXXX XXXX XXXX ( DNF Assoicates LLC ) date XX/XX/2019. I responded with a debt validation letter on XX/XX/2019 ( certified delivery via usps tracking # XXXX ). I asked them to validate and to also cease communication except via mail. Someone called my cell phone today from their company stating they sent me a letter in the mail ; I haven't received anything. I will be filing suit for FDCPA violations.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2021 I was charged {$1200.00} by XXXX that I did not do or authorize. I haven't purchased anything. My XXXX account has been closed for a while now. I contacted Bank Of America and they denied my dispute for some reason.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

This report is for Wells Fargo. Ive been with them since XXXX and theyre deciding to close my account Im not sure why. Ive submitted claims from order that were either not receive/ missing or stolen or incorrect XXXX XXXX. With support to back it up and documentation like police reports and emails from merchants regarding that would receive my money back and never did and my claims were still denied, with no reason to support it. I was also told XX/XX/XXXX that I would be able to transfer my money to an external account after the following steps were completed and after completion that was a lie. I went into a specific branch and was racially profiled when trying to get MY money out of my account, took over an XXXX and a half. Over the customer service has been horrible I still have money in XXXX accounts from them and I dont want to go to a branch because of how I was treated just last week.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (PA)

I recognized unknown companies reporting to my credit, contacted them to ask for debt validation and proof of any contract I have with them or any product or service I received doing business with them. I was willfully met with negligence and noncompliance. Ive also filed a police report and ftc report for identity theft. This is very injurious to me and my family as I have a XXXX XXXX XXXX and cant get a car or approved for an apartment due to these companies reporting to my credit without consent or proof of debt or a contract. In accordance with the FCRA and FDCPA. There is multiple violations here.
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I am being advertised a 0 % APR for 9 months 3 % balance transfer fee offer via email for my account with Capital One ending XXXX. 

On the website when I select the balance transfer offer I am given only one option to verify my identity for the balance transfer. This is by providing my mobile number so that a XXXX party can reify my information with Capital One matches the information with my mobile provider. 

However, this verification method is failing, and I have checked with XXXX my mobile provider, and the information should match. 

Capital One has refused to honor the balance transfer offer over the phone, despite advertising the offer to me, and not allowing me to complete the advertised offer online due to only providing one way to verify identity, and then having it improperly implemented.
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MS)

Despite the fact that my mortgage is at an LTV of approximately 65 %, 5th 3rd bank force placed an escrow account on my mortgage, and has raised my monthly payments by over {$600.00} per month. I have a condo and all flood insurance and home owner 's insurance is collected through my HOA dues and paid by my HOA. I pay my property taxes myself directly to the county. 
5th 3rd force placed insurance on my property because they did not contact the insurance agent to get evidence of insurance when it was time to renew. Once I finally got that resolved, they stated they needed to set up an escrow account to collect for taxes for the year XXXX, due in XXXX. Again, this is despite the fact that I paid my own taxes in XXXX. 
I am in the process of refinancing, primarily to get the servicing of my mortgage away from 5th 3rd Bank. On my payoff letter, 5th 3rd is requiring payment of over {$3500.00} in XXXX property taxes that have not yet been billed, and that they are not going to pay, as they will no longer be the servicer on my loan. This has delayed closing on my refinance and cost me extra interest expense each day this goes on. They advised me to bring the additional $ XXXX to closing and they will supposedly refund it to me. DO NOT USE 5th 3rd Bank for your mortgage needs, or any lending need!
Consumer complaint received 2019-07-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This account XXXX XXXX**** has been illegally reported on my credit report..I formally disputed it directly with the credit bureaus in regards to their illegal reporting and have not received any satisfactor reply..Therefore I am now filing this complaint and request a method of verification pursuant to the FCRA, including the name of the person with whom you spoke who has firsthand knowledge of the account in question.. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's Office, should you continue reporting this erroneous item
Consumer complaint received 2019-07-28
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. (FL)

I checked my XXXX  report and it listed this account reported by TransUnion : XXXX XXXX XXXX  XXXX  XXXX   XXXX XXXX XXXX {$23.00} XXXX XXXX   XXXX/XXXX I have NEVER had a XXXX card . I refuse to shop there. I boycott the store due to their unethical practices and treatment of employees. 

I have NEVER received any kind of statement or anything related to this. No call - usually I get an identity theft call. I never even knew this existed. I AM EXTREMELY UPSET AND DEMAND IT BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY!!!
Consumer complaint received 2022-12-30
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-10
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: ALLY FINANCIAL INC. (TX)

I checked my report recently and noticed that you did not remove it. Why is that? 

Ally Financial Inquiry from XX/XX/2019 It appears to me that you don't care about my rights and my creditworthiness.
Consumer complaint received 2017-07-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Mobiloans, LLC (IN)

I contacted XXXX XXXX the collection agency that bought my debt from mobiloans in early 2017. I informed them that I wished to start working on getting my account squared away. I told them at the current time I could afford {$50.00} a month to which I was told that was fine as long as I made two months of payments around 140 a month to start to show good faith. I really did n't have that kind of extra month but agreed to just to start the ball. After several months I contacted them to see if I could get a settlement offer. In reply they told me no that I was not going to get a settlement because they were allowing me to make payments to begin with. I told them that I felt that was unfair and wished for them to cancel all payments since they wanted to charge me a fee if I paid monthly vs having them auto draft from my bank. At this point the guy became mad about it and in short terms used threstening words and tone to try and get me to keep paying. I refused until they would give me a good settlement that satisfied both parties. I told them i would have some money for a settlement around XXXX XXXX 2017 if they could come up with a decent settlement around then to call me and maybe we could come to agreement. The guy then told me without an agreement from XX/XX/XXXX to XX/XX/XXXX there was a good chance that they would sue me. I felt very pressured into everything. But still said no to anymore payments. Fast forward to XX/XX/XXXX I find that Summit has taken {$50.00} from my bank. I call my bank to report it and my bank canceled my debit card and starting a fraud report. They also suggested I call XXXX  to try and fix it. When I call XXXX the first lady talked to me and told me that I had agreed to the charges but said there was an email on my account that said I had cancelled all payments back in XX/XX/XXXX but then I called and told them to resume payments and to change my due date. I had not called them at which point she hangs up on me. I spend the next 2 hours calling them back to only be hung up on or transfered. Finally they get me a manager and he claims I told them to change my due date and keep taking the money out. When I told him I did n't he argued with me. After several times I tell him that they took the money without my approval and he said no I had given it in the beginning so it carries over even after I cancelled the payment because I wo n't tell them my intentions with the account. I told him I wanted my money back for the payment they just took and to cancel the rest of any thing on the account. He said no to my refund and then said the rest are cancelled and then hung up. I did n't get any confirmation or anything. My wife also has an account owned by them and her account is having the same problem right now as well.
Consumer complaint received 2022-10-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, BANK OF AMERICA XXXX Open Date XX/XX/2005 Balance : {$25000.00}