davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2022 This letter is a initial complaint that you are reporting inaccurate and incomplete credit information to my credit file. XXXX suffered a security breach that leaked my personal information ( my name, social, date of birth, drivers ' licenses number and other personal information ) as a result I became a victim of Identity theft. I have contacted my lawyer who will be working with me to bring this information to a judge in my area. Your company has failed to provide proof of legal debt validation, and at this point I have requested it twice. I am certain that you know that the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a consumer 's credit report. Anyone paying for your reporting services could fax, mail, or email in a fraudulent account. There is more than one account that you have listed on my credit files, are results of identity theft because I have no knowledge of them and should be removed from my credit file immediately. Continuing to report this inaccurate information please understand you are in direct violation of the Fair Debt Collections Practices Act, this is against the law.

I do not owe your company any money, I have never done business with your company this is the last time I am asking that you remove this account from my credit report and as soon as possible, it is absurd that your company would put something like this on my credit file without first making sure that it was indeed correct information. Attached to this document I have also provided you with my police report. I am also requesting that you provide me with full debt validation of this alleged debt. Please send me proof that this account has been removed from my credit file, I have also filed a FTC report against your company as well. 



I look forward to the correction of this matter XXXX XXXX XX/XX/2022
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (CA)

I received a credit card statement from XXXX XXXX. 
I called to let them know I didn't open this account. The rep on the phone provided me the address to write a fraud statement to. However she did advise that it was a new account opened on XXXX with my billing address in California with goods shipped to XXXX MD. 
my concern is how or what fraud triggers this company has that a brand new account has a shipping address that does not match the billing address green lights such a thing. maybe if it was an established account sure but this seems like bad controls.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

I was charged for unauthorized items at a restaurant called XXXX. I was only supposed to be charge for a pineapple soda for {$4.00}. However the waiter accidentally charge me for 2 additional items that were supposed to be put on another bill. It was a large party and he mixed up the charges. I did not signed the receipt and handed it back to the server and there was an argument with the merchant. They told me if I had an issue with it to dispute it with my credit card company. Therefore I disputed with Amex and wrote a letter explaining the situation. However Amex sided with the merchant without any proof but the incorrect unsigned receipt. This is ridiculous and Amex is not doing their part.
Consumer complaint received 2021-05-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NY)

Called TB bank  and applied for a loan on XX/XX/XXXX th spoke to the loan officer filled out application and quoted a rate primary home 2.875 % Refi cash out. I applied for the loan and the loan officer was supposed to lock in the rate on XX/XX/2020 at which time the loan officer tomorrow I will lock the rate in since I'm not in the office today don't worry. When I followed up with him again the next day he said was locking in today when he gets to the office. Monday came and I asked is all good are we locked in. He stated I will lock you in today don't. Then on Tuesday or Wednesday I called he now stated after I went over the ratesthat he had given me and stated I'm sorry the rate had changed. Now he quoted me a higher rate of 3.00 % and locked me in at 3 %. The loan officer clearly did not show up to work till Monday or Tuesday or reach out to the appropriate people to lock in the rate in time prior to rate change. The loan officer had plenty of time to lock in my rate. If he would of taken the extra step of reaching out to the right people or provided me with a contact at the bank to lock in the rate. This is not how business should be conducted at TDBANK, this is not a WOW experience that they preach in their slogan. I have multiple relationships with many banks and never had a worse experience then with TD bank. This has not only cost me money but has also cost me time since trying to close my Mortgage in XXXX, this must be the WOW experience they give their customers. I'm requesting immediate resolution from TD bank in to this matter. I did not agree with the company response at all. In fact I believe that the company TD Bank does not even care for the customers. Clearly they wrote something without even asking me a question. The bosses are protecting their interests and employee. I have text messages from the employee and me telling him we should of been locked in already. Both loans were given the day I called and told XXXX to lock me in. To only find out he did not even put one of the loans into the computer. This is new to me upon their information given as an explanation. Because I put BOTH LOANS in the same day. But they say otherwise. Let me know where I can send the text messages to? I have them. Also the employee texted me that I have an " attitude '' I have that as well texted to me. Would you like that text? I have it as well. He was upset that I was telling XXXX what he promised so he texted me and offended me by saying I have an attitude. Is this protocol to call your customers in text ATTITUDE? Also your employee texted me " I tried to help you but who cares anyways, you don't ''. Would you like that text as well??? If you are serious in resolving the issue in hand please reach out to me and look into my side of the story and see the proof in writing which I have in text. Please get back to me.
Consumer complaint received 2021-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MA)

I am trying to track down my Stafford student loans to be able to pay them off. Navient told me that my loans went into default because I was always a month behind in my payments. They sent the loan back to XXXX. When I phoned XXXX on XX/XX/2021, I was directed back to Navient. I requested a balance, and I was told I owed {$31.00}, XXXX. I asked for a balance statement to be sent to me via email and USPS. Two weeks later, I have not received anything. I am trying to pay off these loans! I called Navient today, and when I asked again for a statement, I was told again that they can't produce a statement because of the " system integration. '' I find it hard to believe that the company can not provide me with a way to pay off my loan balance. I am afraid they are stalling to add penalties to my current balance which they said was good for 30 days. It has now been two weeks. P
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

i have tried for two weeks to get into my Experian credit service account. i have reset my password on their request more than 15 times and each time they tell me that i have a new password yet when i try to use it i still can not access my account. i have called them multible times with long wait time with no results. today XX/XX/12 i talked to three agent each of them sent me another person after telling me they could not help me. after 45 minutes i was told the next person would be with me some time after 15 minute. at that point i gave up. 
can u help me?
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (CA)

I had a mortgage with XXXX XXXXXXXX XXXX that was late and I used a federal home loan modification program to refinance with M & T bank. I have never been late with the M & T bank mortgage. My XXXX  report shows that I have been on time but XXXX  and XXXX  show that I have been late. I have disputed this various times with the credit bureaus and bank. They say that the late payments are valid even though they are not. This serious delinquency has prevented me from qualifying for a personal line of credit and credit card even though I have been on time since I refinanced 5 years ago.
Consumer complaint received 2021-05-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

Hello my name is XXXX XXXX. my identity was stolen and fraudulent accounts we're applied for and started in my name without my consent. also these credit reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws. I sent them a letter informing them of the fraudulent accounts on XX/XX/21, and by law they had 4 days to remove the items. It is now XX/XX/21 and the items are still reporting on my credit report. THAT IS AGAINST THE LAW. they are now criminally and civilly liable for all the fees listed in my invoice attached.I want all the accounts listed in my dispute letter to be removed, or updated to payed as agreed.
Consumer complaint received 2022-06-15
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX - XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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 — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have been having some issues with small errors on my credit report dealing with addresses that I never lived at showing up on my credit. I was a victim of fraud and I do not wish to have to deal with things showing up in m name again that I did not buy or lease. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

There is a fraudulent account appearing on the consumer report in my name, listed as follows : XXXX XXXX. 

The account is fraudulent, the debt held on the account does not belong to me, and it is appearing on the report as a result of identity theft. I have instructed the alleged creditor of these inaccuracies and demanded that they refrain from reporting anything about me. I have provided the credit reporting agency with the Federal Trade Commission ( FTC ) Identity Theft Report as well as a sworn and notarized affidavit attesting to the fraud on XX/XX/2022. 

I was never provided with proof of this account and its debt belonging to me as outlined in the United States Code, by the alleged creditor or the credit reporting agency. The account was removed in XX/XX/2022, and subsequently reinserted to the consumer report in violation of 15 USC 1681c-2 on XX/XX/2022. 

I was not provided with notification of the reinsertion of the fraudulent account in violation of 15 USC 1681i ( a ) ( 5 ) ( B ). I have already begin to feel the affects of the fraudulent reinsertion in the form of a denial of credit.
Consumer complaint received 2022-03-02
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: Avant Holding Company, Inc. (IL)

I filed a dispute with company asking them to verify my debt.The representative could not pull up my account because the account is not linked to my social security number. This account was opened with another social security number with a person with the same name as me. I've disputed this with the company several of times. When asked to provide my written signature giving consent to the application for this line of credit all I receive is statements with another social security number. I have disputed this for two years and there has yet to be a resolution.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My information was bought and sold illegally by XXXX without my permission, I was also a victim of the XXXX data breach. I want these items Deleted from my consumer credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing to correct this. Please help me delete these illegal accounts from my consumer credit reports. 

Negative Reports as follows : XXXX XXXX XXXX XXXX -- - Account No. XXXX  - Charge-off. Note : XXXX XXXX has removed the account number from the record. 
XXXX XXXX -- - Account No. XXXX - Charge-off. Note : XXXX XXXX has removed the account number from the record. 
XXXX XXXX -- - Account No. XXXX - Charge-off. Note : XXXX XXXX has removed the account number from the record. 
XXXX XXXX -- - Account No. XXXX Charge-off. 
XXXX -- - Account No. XXXX - At least 120 days or more than four payments past due. Note : XXXX has removed the account number from the record. 
XXXX  -- - Account No. XXXX At least 120 days or more than four payments past due. 
XXXX XXXX -- - Account No. XXXX - Note : XXXX XXXX has removed the account number from the record. 
XXXX XXXX XXXX -- - Account No. XXXX Charge-off. Note : XXXX XXXX XXXX has removed the account number from the record. 
XXXX XXXX XXXX -- - Account No. XXXX Charge-off. 
XXXX XXXX XXXX -- - Account No. XXXX Charge-off. Note : XXXX XXXX XXXX has removed the account number from the record. 
XXXX XXXX XXXX -- - Account No. XXXX Charge-off. Note : XXXX XXXX XXXX has removed the account number from the record. 
XXXX XXXX -- - Account No. XXXX Collection Accounts : XXXX XXXX XXXX. -- - Account No. XXXX XXXX XXXX XXXX -- - Account No. XXXX XXXX XXXX XXXX -- - Account No. XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My information was bought and sold illegally by Equifax without my permission, I was also a victim of the Equifax data breach. I want these items Deleted from my consumer credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing to correct this. Please help me delete these illegal accounts from my consumer credit reports. 

Negative Reports as follows : XXXX XXXX XXXX XXXXXXXX -- - Account No. XXXX XXXX Charge-off. Note : XXXX XXXX has removed the account number from the record. 
XXXXXXXX XXXX -- - Account No. XXXX  - Charge-off. Note : XXXX XXXX has removed the account number from the record. 
XXXX XXXX -- - Account No. XXXX - Charge-off. Note : XXXX XXXX has removed the account number from the record. 
XXXX XXXX -- - Account No. XXXX Charge-off. 
XXXX -- XXXX Account No. XXXX - At least 120 days or more than XXXX payments past due. Note : XXXX has removed the account number from the record. 
XXXX XXXX- - Account No. XXXX  At least 120 days or more than XXXX payments past due. 
XXXX XXXX -- XXXX Account No. XXXX  - Note : XXXX XXXX has removed the account number from the record. 
XXXXXXXX XXXX XXXXXXXX -- - Account No. XXXX  Charge-off. Note : XXXX XXXX XXXX has removed the account number from the record. 
XXXX XXXX XXXX -- - Account No. XXXX Charge-off. 
XXXX XXXX XXXX -- - Account No. XXXX  Charge-off. Note : XXXX XXXX XXXX has removed the account number from the record. 
XXXX XXXX XXXX -- - Account No. XXXX Charge-off. Note : XXXX XXXX XXXX has removed the account number from the record. 
XXXXXXXX XXXX -- - Account No. XXXX XXXX Accounts : XXXX XXXX XXXX. -- - Account No. XXXX XXXX XXXX XXXX -- - Account No. XXXX XXXX XXXX XXXX -- - Account No. XXXX
Consumer complaint received 2023-03-26
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. (MO)

XXXX Of XXXX XXXX Syncb/Cc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revenue Servi XXXX
Consumer complaint received 2023-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (FL)

My husband tried to venmo me money for a down payment for my car and for half of the rent. He used his phone number to start the service. I verified my account with venmo proving Im the owner of the venmo account with my phone number that my husband sent money too. I also provided two bank statements and my ID along with my marriage license. XXXX XXXX AND XXXX XXXX at venmo advised my account is now current and unfrozen. The transaction from venmo is showing processed and completed on our bank statement however Venmo has failed to transfer my money. It is been showing pending for a week EVEN AFTER verification. This is beyond unfair. Do you know what is like to have used your savings and not have enough money to buy food on XXXX? This is because Venmo is the worst service ever and they need to be stopped. There needs to be someone ready and available to assist if they are working with peoples money. Consumers need to be comfortable that our money is safe and NOT taken. This should not be taken lightly because I need to pay my rent. Its 2023 being behind on your rent will result in an eviction quick. Again this is our money. This money didnt come from an unknown source and can be proven and traced if venmo would do the right thing. 

Thanks
Consumer complaint received 2023-03-26
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. (FL)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-15
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. (OH)

In accordance with Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX Account ending in XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-09-11
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to  complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.