davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

XX/XX/XXXX Comenity bank provided a letter stating the balance was paid down. 
XX/XX/XXXX Customer inquired about credit reporting XX/XX/XXXX XXXXomenity replied that credit reporting was done every 30 days and told me to wait 45 days XX/XX/XXXX Balance paid off completely XX/XX/XXXX Reviewed credit report through the home buying process and because Comenity has not updated the account I am unable to qualify for down-payment assistance for XXXX  here in the state of Florida. Spoke with Comenity at XXXX this evening and was told they would generate another letter showing that the account was paid off, but had no estimated time for when credit reporting would be updated. Asked for a supervisor and the agent restated there was nothing that could be done even after four months of waiting.
Consumer complaint received 2022-10-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MO)

On or around XX/XX/2021 I applied for a mortgage loan in the approximate amount of {$70000.00} and was denied by AMERISAVE MORTGAGE CORPORATION. This company claims that they were applying their decisions based by the FCRA rules but completely failed to satisfy the requirements of the XXXX of having a determining factor of my denial of the loan. they also shared my private information with third party companies without permissible purpose. They denied me an extension of my own credit under the FTC which is all together credit discrimination.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I Called in and gave my information to have a security freeze removed. I was told that it was removed and this is the confirmation # XXXX When I applied to XXXX for credit I was denied because they can not locate file again. I reached out to XXXX/TRANSUNION and they said I had to supply my i.d and social again. I have supplied already multiple times and still no update. I have attached for you as well Every time I call they tell me I have to submit documents that I have submitted over 10 times. I am waiting my time and my money. I have been trying get this taken care of for over 6 months.
Consumer complaint received 2022-06-12
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Consumer complaint received 2018-03-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (TX)

Gc Services Limited Partnership calls almost daily and leaves an automated message on my professional email address. They state they are a debt collection agnecy and would like me to reurn the call. I have not received a voice message on my phone. I have not received anything in writing. 

I refuse to call this company.
Consumer complaint received 2020-07-25
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. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX  appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These accounts are keeping me from buying a new home and making it impossible to move forward with my life. 

1. XXXX XXXX - no balance is showing, account partially listed - XXXX, dates listed open is XX/XX/XXXX
Consumer complaint received 2018-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ASTA FUNDING INC. (VA)

Based on complaint : # XXXX XXXX claims debt originates from XXXXXXXX XXXX. 

XX/XX/2018 - XXXX XXXX - I contacted XXXX XXXX / XXXX - ( XXXX ) XXXX and they did not have any records of me every having an account. 

They transferred me to the department that handles charge-offs and selling accounts - XXXX XXXX XXXX XXXX and they have no record associated with my social security number. 

They recommended I contact XXXX XXXX. 

XX/XX/2018 - XXXX XXXX - I contacted XXXX XXXX - XXXX ( XXXX ) XXXX and they only found two accounts ( current ) having ever been opened under my social security number. 

XX/XX/2018 - XXXX XXXX - I contacted XXXX XXXX XXXX - XXXX XXXX XXXX XXXX to discuss the above and they have been told to no longer discuss this account because I filed a complaint and the complaint department will be handling this. I requested to speak to the manager and was transferred to the voicemail of XXXX, out until Monday. I identified myself by name and social security number and advised of the above and that the Proof of Debt Validation letter has arrived and that I would be awaiting a response. 

It has been 14 days since my wages have been garnished for a debt that is not mine. 

CC : Virginia Attorney General XXXX XXXX Office of the Attorney General XXXX XXXX XXXX XXXX XXXX, Virginia XXXX ( XXXX ) XXXX
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is another attempt to resolve an issue with the company and debt collector Capital One, and according to 15 USC 1692a ( 6 ) capital one is in fact a debt collector because they repeatedly use the mail for the principle purposes of collecting an alleged debt. 

I, XXXX XXXX, ( my, I, me ) am a consumer. 
Capital one has federally violated and continues to violate my rights as a consumer, and natural breathing person by committing fraud and taking ownership of an account that was created for me, XXXX XXXX, on XX/XX/XXXX and closing the account ending in XXXX with unauthorized use pursuant to 15 USC 1602 ( p ). 

As of XX/XX/XXXX Capital One received a notice to cease and desist communication and illegal activity pertaining to the account ending in XXXX. During this time, I also requested Validation of the alleged debt ending in XXXX, which Capital one said I owed.

Capital One refused to comply by still communicating/reporting missed payments in regards to this alleged debt and the closure of this account to a credit reporting agency therefore in violation of federal law pursuant to 15 USC 1692c ( b ) Capital one also failed to VALIDATE the alleged debt pursuant to 15 USC 1692g by stating they found verification which is not validation by public records which is also invasion of privacy. 

It is fact that the account was closed not by me, XXXX XXXX, a consumer and creditor pursuant to 15 us 41, but by Capital One, the debt collector, and without proper validation of such alleged debt. 

It is fact Capital One is at fault. 

All exhibits are enclosed, thanks.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX keeps reporting this information on my credit report even though I have disputed this account has not being mine and the creditor has no documentation to proof that it's mine.

One account on your report shows past due and could use your attention.

Total open balances {$140.00} How did we get this info?

Credit Cards {$0.00} Collections {$140.00} Student Loans {$0.00} Other Loans {$0.00} Auto Loans {$0.00} Home Loans {$0.00} COLLECTIONS {$140.00} Reported balance FIN CR NETWK {$140.00} Needs attention
Consumer complaint received 2018-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (CA)

I have an account with Ameritech financial, from XX/XX/2016, which I am informed, doesn't apply payments to student loan. I received a letter from the FTC, on how to correct this, with the possibility of a refund of payments to them.
Consumer complaint received 2020-07-25
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-08-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: RMB, Inc. (NC)

XXXX is showing a collection item on my credit report however I have never had a contract or agreement with the company listed RMB INC XXXX XXXX Account # XXXX {$3200.00} Company has never contacted me in regards to any bill contract or agreement
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. ()

I have send multiple disputes for unauthorised enquiries and luckily were resolved in my favour but the other reporting from the same enquiries such as employment, contact number and address were not removed and they always tell me they cant remove personal info as it has to stay there but they have removed the enquiries. The recent dispute was raised the XXXX XX/XX/year> I didnt get any reference nothing I feel like they are ignoring my dispute now.
Consumer complaint received 2023-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (NJ)

On XX/XX/2023, someone took out a personal loan with Goldman Sachs in the amount of {$4500.00} and paid off XXXX credit cards. On XX/XX/XXXX I was contactedy by XXXX about a credit alert so I contacted XXXX and disputed the claim, but the person was still able to get the loan through Goldman Sachs. When XXXX contacted me again on XX/XX/XXXX that the loan went through I immediately went on to all XXXX credit bureaus and disputed the loan and locked up my credit. On XX/XX/XXXX I spoke with XXXX again and followed up with the dispute and they helped me contact Goldman Sachs to dispute the loan with Goldman Sachs. Goldman Sachs also said they flagged the account on XX/XX/XXXX as fraudulent. On XX/XX/XXXX I am going to my local police department and I will file a complaint with them as well.
Consumer complaint received 2022-06-12
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CORELOGIC INC (LA)

I requested my consumer report from CoreLogic and they responded with a letter demanding the same information in addition to identification. My original inquiry included the following : My full name, Addresses, DOB, SSN, and a request in-print to obtain my credit report. Those things are sufficient to search the systems. They refused to provide my report without collecting additional unnecessary information.
Consumer complaint received 2018-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (CA)

i became aware when I checked my credit report that these debt collector under the name, AD ASTRA Recovery Services Incorporated that I owed this debt is incorrect and I do not owe {$310.00}, I have sent a notice of state and federal validation of debt.
Consumer complaint received 2022-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Consumer complaint received 2019-08-28
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

They say I owe on a capital one account and give the last four digits to my social security card but Ive NEVER had a capital one account ever! They are call constantly to my home, cell phone and all my family members repeatedly. I would like them to stop! I NEVER HAD THE ACCOUNT NEVER!!!!!!!!!!!!!!! 
Constant harassment!!! 
Im also filling a complaint with the District Attorneys Office!!!
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Recently a file was removed from XXXX following an investigation. XXXX has refused to remove the same file and has also refused to run a correct investigation on the file. They have revived a digital and paper copy of the XXXX file being deleted and have ignored it each time
Consumer complaint received 2022-06-12
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: GOLDEN 1 CREDIT UNION, THE (NV)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 staes I have the right to privacy.

15 USC 1681 Section 604 a section also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166b : a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (MN)

I didnt not give permission to view or know my personal information to pursue a debt. 

Both debts opened on XX/XX/XXXX. For XXXX and XXXX for st.joseph hospital. Have not lived in florida since XXXX. Which is where the hospital is located.
Consumer complaint received 2019-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am filing a complaint today against Bank of America.They acted like they were going to help me keep my account open.They manipulated and deceived me into thinking that.They were going to work with.They changed my account at my authorization to a different account.I allowed them to do it based on thinking they were going to help me.The rep that changed over the checking account to another account and closed checking account assured me that I would be helped.He assured me that I would be able to get an payment extension/Arrangement.Due to me being out on sick leave for months and not working the account got very overdrawn.I was able to work due to XXXX  and XXXX XXXX I have.XX/XX/XXXXXXXX and XX/XX/XXXX.I wasn't able to work.I am now back to working.I now work for myself.All I am asking Bank of America to do is work with me and keep their promises they made to me.I want to pay off the account.I am also asking them work with me in crediting the nsf fees or some of the 35 nsf fees.

I would like account to be reopened and or be able to open up an account.I was told 3 different dates by 3 different representatives.I was told that my account would be charged off the XXXX,XXXX and XXXX. 

I also have an unauthorized debit claim on file.Which I haven't receive the affidavits in the mail yet.I want a full investigation in to the unauthorized debit.I am willing and able to comply with the investigation.I am just wanting for the affidavit to come in the male from Bank of America.The account was charged off.I want my full claim credit.I was also wanting for the affidavit to come in the mail.So I could fill it and so I could adjust the claim credit and pay off the past due overdrawn amount.They haven't investigated my claim yet.Again I am still waiting on the affidavit.I don't think the account should have charged off until the investigation was completed. 

The claim # is XXXX ... Again I never received by any affidavit.So I can comply with the claim investigation.I am waiting on the affidavit. 

I don't think the account should have been charged off.Due to the claim on file and the promises the Bank of America Rep made to me ... When I called in on the XXXX XXXX.I would like to be removed from XXXX XXXX.I should not be there.The account should not had been charged off.There has been a lot of miscommunication.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I requested my TransUnion Rental Screening Report and I received a letter stating that my birth date and social security number and copy of photo identification was needed before producing/providing said report. I submitted a generic form with my birth date and social security number and full name on it including a request/authorization in-print and any applicable addresses and I do not understand why I received the letter that I did. TransUnion REFUSED to give me my report when I know that they possess adequate information.
Consumer complaint received 2021-12-06
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: Bridgecrest Acceptance Corporation (CA)

I have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. Bridgecrest is the account Im referring to.
Consumer complaint received 2021-12-06
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: EQUIFAX, INC. (CA)

I have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. XXXX is the account Im referring to.
Consumer complaint received 2018-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

I initiated a customer service chat with citibank on XX/XX/18 and was told that Citi does not reveal accrued interest to customers using the website ( which is the only way I can see my account, pay bills, etc ). I am being charged interest without being told when or how much.
Consumer complaint received 2018-04-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation (WA)

MY Husband and I had a 2nd time trying yo get a home trough Academy Mortgage  with XXXX XXXX XXXX XXXX # cl XXXX I called to voice my concerns about the proceas since this is my first time buying a home, didnt yell and didnt accused just needed answer, the next day he said he will not help us, So im am not allowed to ask questions to get c clarification, He sent me a very unprofessional email. Instead of teaching he rather not help them understand. This reason for my report
Consumer complaint received 2021-12-06
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: Experian Information Solutions Inc. (CA)

I have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. XXXX is the account Im referring to.