davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done TBOM H CARD can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NJ)

My password did not work when I tried to access my checking account online. When I called the bank they gave me a run around and told me I need to visit the bank " in person '' and unless I did that they were not going to unlock my account. When I explained to them that this was not possible due to recent XXXX  XXXX they told me, in essence that wasn't their problem. Last XXXX when I was in the hospital getting XXXX XXXX XXXX XXXX ( I am XXXX ) they did the same thing and would not help me ( even though I was calling from the hospital ) until I filed a regulatory complaint. The resolution at that time was that they put me in touch with a bank employee who solved my problem ( XXXX XXXX - Customer Response Analyst ). At that time he wrote " If you have any additional concerns, please contact me directly at XXXX ''. When I called him this time ( before filing this complaint ) he never called me back. I know he still works there because his voice and name are still on his outgoing message. As an FYI I have had the same account for at least 30 years, it has about {$50000.00} in it and when I called them I answered all their verification questions correctly ( even though they deny this ). I gave them my name, my ss #, the account number, the last transaction, when and where the account was opened, my direct deposit that comes in every two weeks. Also. this time when I called the bank I was calling from the same phone number that has been on my account for 30+ years ( XXXX ) except for about four weeks when I was using an XXXX from the hospital last XXXX ( that phone number was different ). Also, I have called them 4 times to put the XXXX number back on my account and it appears they still have not done that.
Consumer complaint received 2022-08-31
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Re XXXX Acct XXXX XXXX {$3900.00} To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle XXXX XXXX XXXX XXXXXXXX, SEC. XXXX. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. XXXX ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Consumer complaint received 2022-08-31
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: DISCOVER BANK (NJ)

In According with the Fair Credit Reporting act, Everything has to be 100 % Accurate on my credit report, under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) The below account are in Violation of not reporting 100 % Accurate. 

I have been disputing about my Discover Bank Ending with # XXXX with XXXX, XXXX to remove this account but they keep coming back and saying the account is verified. Attached is the Credit report which shows inaccuracies on my Credit Report. I would request to Delete this account and information related to this account completely from my credit report.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

I have contacted the 3 major credit reporting agencies about these very issues at hand. 
In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following accounts must be removed immediately : 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 15 USC 1681 Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, farther states that a consumer reporting agency can not furnish a account without my written consent / instructions. 

15 USC 1681c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 

Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 

I'm demanding that the accounts above be removed and deleted immediately.
Consumer complaint received 2020-02-24
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: Resurgent Capital Services L.P. (PA)

I think XX/XX/XXXX, I dropped my wallet and someone used my XXXX Credit card. It was reported to them and they closed the account. This ended up on my credit report and disputed and found that there was fraud on the account. XXXX  removed it in XX/XX/XXXX and it was placed back on 2 yrs later. Was disputed again and it was recently removed again. The new name is now Cache LLC for {$490.00}.
Consumer complaint received 2020-02-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC (TX)

This contract is void .... Car not sold as priced on website or as discussed deal was under 10000, XXXX was the price discussed. Protection plan added to life of the loan over a term of 72 months, finance charges totaling to be XXXX witch was not agreed to. Please remove all Protection plan cost and request re-write of loan agreement to price listed on webpage as of the date of purchase. The term of loan on contract is 72 months, on the billing statement it says 73 months. Please remove all extra charges and protection plan, re-write the loan at purchase price and term agreed and if possible maybe even 60. I was thinking the amount I saw included interest and fees until i got the bill in the mail. Thank you. XX/XX/2020 .... ( lender ) American Credit Acceptance ( Dealership ) XXXX XXXX, XXXX XXXX XXXX, TX
Consumer complaint received 2022-08-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MO)

In XXXX of XXXX, I entered into a forbearance program with US Bank. Although I was ready to end the program after 2 month once I knew I would still have a job after Covid hit and everything shut down US Bank advised me that this program can only be used once and no one had any clue what was happening at this time. I ended the forbearance after 6 months. I went through the trial payment process. Completed it. Was approved for the modification. Completed all forms sent to me. The next correspondence was US Bank never received the packet with signed docs. Then I get a letter stating it was received but not in time. I know for a fact from a US Bank employee that no one was going to the bank and working from home at this time. So whos dest or stack of papers my paperwork was left behind on... I dont know. Before this can be resolved my loan it transferred. During a uncompleted forbearance modification process put in place but the US Dept of Housing and sould not have be transferred at this time. My loan has now be transferred 3 times and is never getting the modification finished causing be to be over XXXX month delinquent wrecking my credit showing I owe anywhere between $ XXXX behind which the math doesn't add up and preventing me from any refinance abilities
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

On XX/XX/XXXX, I walked into XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the agent sold me a 6 months auto insurance plan. I fully paid the amount before I left their office. On the next day, she called me about increasing my rate so both of us agreed to cancel my membership which I had paid. XXXX said the company will mail me the refund. I didn't receive their refund check due to the pandemic mail service delay. I called my bank to stop the transitioned I made on date XX/XX/XXXX. I had never received XXXX 'S refund check up to date. By XX/XX/XXXX, I received a letter from AWA Collections, claiming that I owed XXXX XXXX {$930.00}. ( reference number # XXXX & XXXX ) I called AWA Collections through their phone # ( XXXX ) XXXX. They said they would need my paper proof about my cancellation which I have never received from XXXX.
Consumer complaint received 2022-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (ME)

When I bought my loan thru loanDepot, I was required to pay PMI even though I paid 20 % down payment. I was told after a year I could write a letter and it would be removed. My loan got bought out. XXXX XXXX states I am required to keep PMI. That its 20 % is of the loan, not purchase price of the home according to original note. They say I was misled by loan depot and happens all the time knowing that the mortgage will get sold within the first year! Thus, no accountability.
Consumer complaint received 2023-06-25
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. (MD)

I sent letters to Equifax on XXXX, XXXX, and XXXX. Each letter that was sent back to me from Equifax did not include any evidence of these inquiries being mine with my wet signature nor with XXXX 's account number XXXX. Which is currently reporting as late, and the account was supposedly closed years ago. I also sent in my FTC report, and they still refuse to correct and update my report. According to 15 USC 1681 b permissible purpose. It's illegal for companies and credit bureaus to report on my report if I didn't provide written consent to the bureaus to report anything to continue reporting this is identity theft.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Accounts/Inquiries that are being challenged XXXX XXXX XXXX XXXX Late Payment {$9600.00} XXXX XXXX XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX Collection {$5800.00} XXXX XXXX XXXX Collection {$200.00} XXXX XXXXXXXX XXXX Charge-off {$430.00} XXXX XXXXXXXX XXXX Charge-off {$260.00} 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-31
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. (GA)

In accordance with the Fair Credit Reporting Act the XXXX, and Equifax have violated my rights. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( account number as appeared on my XXXX report ) XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The above accounts and account numbers are as reported on my XXXX report. 

These fraudulent accounts being on my credit report is a violation of my rights under the fair credit reporting act 15 U.S.C 1681 section 602 A. 

XXXX has also failed to investigate and respond to my previous dispute and it has been more than 45 days, which is also a violation of my rights under the fair credit reporting act 15 U.S.C 1681 section 602 A.
Consumer complaint received 2022-08-31
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. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Several months ago I opened a checking account with Citizens Bank based on a promotion in which I was to have direct deposits of a certain amount and would receive a cash bonus. I did receive the bonus. More recently I received an unsolicited email from Citizens Bank encouraging me to open a savings account. The headline and illustration showed three monthly deposits of at least {$25.00} would give me a bonus of {$25.00}. I received the promotional email on or about XX/XX/2022 and immediately opened the account and had a direct deposit of {$25.00} and set up a program wherein two additional deposits would be sent on the same day of the month to fulfill the requirement. Indeed I made three ( 3 ) monthly deposits of {$25.00} each for a total of {$75.00}. Citizens refused to grant me the {$25.00} bonus because I was apparently supposed to wait until XX/XX/2022 to make the deposits. 

Offer states it begins on XX/XX/2022. I did as requested and deserve the {$25.00}. 

Citizens personnel cut me off when I called, argued with me after I called back and gave me no relief.
Consumer complaint received 2022-02-24
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: ARS National Services, Inc. (OR)

Received the same message today. the XXXX left me a voice message claiming they needed to come to my home between XXXX on XX/XX/XXXX to give me some documents and I needed to provide to pieces of ID. and referenced a case # with the last 4 of my SS #. Also said to reschedule the appt ( which I never made one ), then to contact XXXX. Which I contact this number and asked who they were, the guy said ARS. I asked what is ARS and he said they were mediators for a client. I asked who the client was and he would not tell me. I didn't even get this person 's name and on the voice message there was no name or company name mentioned either. I told him, that no one is coming to my home or business and talking with people to get information about me. He told me to " just shut up '' and hung up. I called XXXX number and the message is exactly the same as the XXXX number. I too had identity theft and these guys used my married name which I have not used since XXXX. I don't know about you folks but I am pretty tired of these collection companies. They need to be illegal nationwide. I kept the voice message for evidence.
Consumer complaint received 2022-02-24
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2019-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2017, XXXX XXXX, XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.