davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: POPULAR BANK (NH)

The bank will not allow me to withdraw any money in my account. They say it is there policy to not allow any withdrawals for sixty days from the day an account is opened. However, this restriction is nowhere to be found in the account 's terms and conditions ( legal agreement ). The bank is therefore violating Regulation CC.
Consumer complaint received 2020-10-14
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. Please help me. 

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 2021-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Recently while conducting a monitor of my credit report I discovered that XXXX  XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from XXXX  XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX  XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1. Please provide a breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. Cease any credit bureau reporting until the debt has been validated by me. 
4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request for debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I Went to apply for a credit, with one creditor and once i applied with them i had alot of unauthorized inquires. 

XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, MI XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX XXXX XXXX, IN XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/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 2021-07-15
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 previously submitted an Affidavit to update my personal information : My name is : XXXX XXXX - DOB : XX/XX/1971 - SS # : XXXX All other name variations are not accurate : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX PL XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX - All other numbers are not accurate. Please REMOVE/DELETE these numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I AM CURRENTLY RECEIVING BWC : All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX, XXXX XXXX, XXXX XXXX FOLLOWING HARD INQUIRIES WERE NOT AUTHORIZED : XXXX, XXXX XXXX XXXX via XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX via XXXX
Consumer complaint received 2020-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (IL)

I opened a CitiBank AA Credit Card in XXXX, and kept my account unused when I was notified that my account was closed. This year ( in XXXX ) I was served a notice to court to either appear for or pay past due balance of {$2300.00} from XXXX XXXX XXXX, XXXX ( a bill collecting attorneys office ). When I contacted CitiBank about the issue and the fact that had no idea about the charges to my account and therefore had no knowledge to take actions against the apparent fraud against my account I was told that there was nothing they could do because they had sold the account already. When I got in contact with the dept collector, they told me that there was nothing they could do but settle for an amount that was more than {$1400.00}.
Consumer complaint received 2020-10-14
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. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. IT HAS YET TO BE SETTLED. I SENT MULTIPLE DISPUTES INCLUDING FACTUAL DISPUTE. 

INTIAL DISPUTE : XX/XX/2020 30 DAY DEMAND : XX/XX/2020 FACTUAL DISPUTE : XX/XX/2020 FACTUAL DISPUTE XXXX : XX/XX/2020
Consumer complaint received 2020-05-11
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. (TX)

XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIRST NATIONAL BANK OF OMAHA (IL)

On XX/XX/XXXX or XXXX, XXXX, I went into XXXX XXXX XXXX XXXX  XXXX and worked with XXXX who completed an application for a balance transfer from the following : XXXX XXXX XXXX Amount due on the account as of today, XX/XX/2021 : {$12000.00} The goal was to move my debt from XXXX to XXXX. XXXX took extra time to confirm her log in, talk to a colleague to make sure a balance transfer was an option and find the place in her documentation on where she needed to click or go to make it happen. I have 100 % confidence that XXXX completed the application properly. 

On XX/XX/2021, I received an email saying I was approved and would get cards and info in the mail in 10 business days. On Friday, XX/XX/2021, I received the cards in the mail. 

On Monday, XX/XX/2021, I called the number to activate the cards and listened to the balance, expecting to hear that I had a balance of {$12000.00} due and the new due date. I was shocked when it said the following : Available credit : {$5900.00} Balance due : {$0.00} I immediately called the customer service number at XXXX. I spoke to XXXX and asked to speak to a supervisor. 

XXXX, a supervisor for First National Bank of Omaha got on the phone and I explained they had made a mistake. My application was for a balance transfer and not new credit. If I wasn't going to be approved to transfer the {$12000.00}, I would have expected to be notified and then given the option to not take the partial credit amount or to choose to transfer the partial balance. He said he didn't see anything that said balance transfer on the documents. I explained they have made a mistake somewhere. 
XXXX. 

I then asked XXXX for a callback to advise what they were going to do to fix the problem and he said he doesn't do callbacks and just can cancel the card. I told him my credit would be adversely affected by opening a card and then cancelling it immediately and they need to either increase my limit so I can transfer the balance of over {$12000.00} from XXXX or they need to cancel the card and pay to fix any error or issue that adversely affects my credit report and make it whole again. XXXX said " I am sending this to the concerns department. I don't know what they will do or if they will reach out. '' How do you improperly open a credit card account and then not follow up with someone when there is a complain about it? 

The call was started at XXXX CST. They came on the phone at approximately XXXX CST and the call occurred on XX/XX/2021.
Consumer complaint received 2018-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My Complaint has been on-going and not resolved with the Mortgage, first with XXXX XXXX, and then XXXX sold the home, and now SPS Inc, is the Servicing the Mortgage. 
The latest information/nonsense sent to me from SPS Inc., involves a letter from them to me dated : XX/XX/XXXX. I had asked SPS Inc., to provide me with the Appraisal done by XXXX XXXX in XX/XX/XXXX. SPS Inc., had another Appraisal done on XX/XX/XXXX, using homes in the same area in very poor condition, in order to bring down the price of the Appraisal, from what had been previously done in XX/XX/XXXX. 

SPS Inc., is aware that the remaining Loan Balance is is lower than the Appraised Value of the XX/XX/XXXX Appraisal, therefore SPS Inc., will owe me the difference, and they are attempting to low ball me, in order to avoid, paying me the balance.
Consumer complaint received 2021-03-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION (FL)

The company approved me for a loan of {$20000.00} and then proceeded to waste my time by claiming they couldn't verify my identity because I was unable to provide a utility bill at the address where my license says I reside. I gave them a driver 's license, social, and company vehicle registration ( I own the company ). 
I explained that I live with my friend. His parents own the land and the utilities are in his name. They took my information and then reset my application back to as if I had submitted zero documents. I am getting the run around from customer service like I'm not submitting documents properly. 
They " can't verify my identity '' but having a credit card and paying it off on time every time was okay for them.
Consumer complaint received 2020-07-17
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 am filing this report because I applied for the XXXX credit card today XX/XX/20 and I was denied because I guess there are accounts reflecting badly on my credit report. I got a copy of my report and when I was looking through it, I saw a few accounts that do not belong to me. The accounts are from these companies XXXX/XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX. I have never opened an account with any of these companies nor did I benefit anything from the accounts opened with those companies in my name without my permission such as money, goods, services or any other benefit nor did I contribute to any payments that were made towards these accounts.
Consumer complaint received 2023-02-07
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: LEXISNEXIS (FL)

XXXX, 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 inaccurate.
Consumer complaint received 2024-02-21
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. (FL)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX - Account Number:XXXX This is not mine. 

XXXX XXXX XXXX Account NumberXXXX Please investigate and delete from my credit report.
Consumer complaint received 2022-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (MI)

Final amount from XXXX of {$170.00} is incorrect. See attached. Shows past due of this amount but then another amount of nearly {$190.00} This was XXXX of XXXX. 
Service was shut off by my request on XX/XX/XXXX. I have evidence of this in writing to XXXX. I even have new phone service and a bill from XXXX which can be provided showing all XXXX phone numbers listed with service as of XX/XX/XXXX. Now this company Diversified is not providing me any itemized statements and the bill is up to {$260.00}! Clearly XXXX continues to charge me for services I do not have! Someone needs to stop the madness with XXXX. I've attached my final bill from XXXX showing no balance and credits given to me by the person below. 

XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX CEO Customer Experience Obsessed Direct : XXXX Fax XXXX XXXX Attached shows that the billing was adjusted and final payments made in XX/XX/XXXX which left me with a XXXX balance. Further evidence will be submitted if small claims is filed with motion in court. No further activity was on the account for any calls, texts or data after this date of XX/XX/XXXX. 

Diversified has zero evidence and only provided me with 2 pages no items listed and refused to even walk through items and told me on a recorded line they don't have the paperwork. How can they put this on my credit report and collect with NO ITEMIZED STATEMENTS!?
Consumer complaint received 2021-09-13
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. (PA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC (DC)

I've tried to settle the dispute amicably and have the itesm with XXXX XXXX deleted from my credit reports. 

I spoke with XXXX XXXX representative XXXX XXXX who disclosed on XX/XX/21 at XXXX that the account can not be reported to a credit reporting agency and payment or non-payment of the account will not affect my credit score. I have a voice recording of the XXXX XXXX official. 

The XXXX XXXX acounts are being reported negatively and the data is from XXXX  yeara go and is improper. 

I agreed to settle, in good faith one acocunt, but the XXXX, First Source refuses to delete the item XXXX its collector denote and clesr the item.
Consumer complaint received 2020-07-17
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. (CA)

I am filing this report because I applied for the XXXX credit card today XX/XX/20 and I was denied because I guess there are accounts reflecting badly on my credit report. I got a copy of my report and when I was looking through it, I saw a few accounts that do not belong to me. The accounts are from these companies XXXX/XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX. I have never opened an account with any of these companies nor did I benefit anything from the accounts opened with those companies in my name without my permission such as money, goods, services or any other benefit nor did I contribute to any payments that were made towards these accounts.
Consumer complaint received 2017-02-17
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (NM)

We sold our house in XXXX 2014 and we received the FULL RECONVEYANCE along with a check for the money we made from the sale of the house. We did n't know until now when we are trying to buy a house that OCWEN destroyed our credit because they said our house was paid for less than the balance. I have been fighting with them for months and they now say we owned them almost {$10000.00} and they refuse to clear our credit report to show the house was paid in full. The title company and the Escrow company has even been involved and does not understand. OCWEN claimed they voided out the payoff quote and gave a new one however, no one ever saw it and it was done after the house was paid in full and we received our FULL RECONVEYANCE. Again, they refuse to change our credit reports and they claim we owe them almost {$10000.00}.