davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc. (FL)

Landlord, XXXX XXXX did not give any notice before sending an alleged damage claim to XXXX XXXX XXXX XXXX XXXX states according to Lease agreement without a forwarding address landlord did not need to contact to advise of alleged debt prior to placing on all three reporting agencies. The lease requires a forwarding address for a security deposit but not for the risk fee charged. Landlord never took a security deposit although they charged a risk fee in connection to a security deposit. Then used the laws governing security deposits to attack our credit without warning although no security deposit had been charged or paid. The risk fee was charged and paid not a security deposit and there is no move out protocol given for a risk fee. And as such, we were not required to give a forwarding address in accordance with the lease agreement signed. Landlord had mobile phone numbers and email addresses, yet made no effects to resolve this issues before attacking our credit. In addition, items listed for cleaning charges are not listed in the lease agreement. Landlord waited eights months after move out to attack our credit without warning. I've disputed this debt with the collections company. They are aware the legal forwarding address requirement is for security deposit not risk fees and no notice was given prior to placing damaging items on credit report and they have chosen to move forward with an alleged damage debt. This alleged damage debt was place on our credit at the exact time that I was submitting applications for apartments. One such complex waited three days called with a denial based on the above and has yet to put the denial and or conditional approval in writing as required by the consumer fair credit protection law. The landlord intentionally sought to damage our credit, and I am now being locked out of housing and forced to pay debt regardless of dispute because such damaging items deny one the ability to seek future rentals. The landlord used the credit reporting system as first resort while never giving us the opportunity to dispute items with them and or make payments if necessary to avoid negative credit effects.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account.

Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Consumer complaint received 2022-09-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Now I am providing the documentation/proof that XXXX  XXXX XXXX and the reporting companies are complicit in reporting grossly incorrect information on my credit report. I've disputed it, filed complaints but both XXXX and the reporting agencies have refused to investigate and correct the problem. XXXX should have this exact documentation OR, the documentation they do have is incorrect and not only do they need to correct the information but also refund the payments they never accounted for and include interest and penalty amounts for all of the time spent and damages experienced ( declined loan, credit cards cancelled ... ) due to the entry and negative affect to my credit from this over the years. 

The bottom line is they state I was 30 days late with payment in XX/XX/2016 but I was not as the documentation clearly shows. In fact, I made payments to XXXX through XXXX of that year and only in XXXX did they refund the money. Also and in reality, at the time I was trying furiously to stop these payments and they would not stop them which I should also have all of that documented so this is not an oversight, this is XXXX intentionally trying to harm my credit and thus harm me personally. Not only XXXX but also the credit agencies as well as they were informed of this issue and they chose to side with XXXX. 

The attached documentation is bank statements showing the automatic payments to XXXX XXXX XXXX  and then only in XXXX did they stop and refund the payment.
Consumer complaint received 2021-06-24
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: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-05-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I signed up under the BONUS400 promotion, which states : " Open a XXXX Checking account between XXXXXXXX XXXX. ET on XX/XX/XXXX, and XXXXXXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional codeBONUS400. Receive at least 2 direct deposits totaling
{$1000.00} or more to your 360 Checking account within 60 days of account opening. A qualifying direct deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension or government payments ( such as Social Security ) by your employer or an outside institution. '' I opened the account on XX/XX/XXXX. I received the following direct deposits : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX The terms stated it should be paid by XX/XX/XXXX. It is now XXXX.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XX/XX/XXXX, BANK OF AMERICA add a hard inquiries on my credit reports per XXXX and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-05-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

XX/XX/2021 I sent a dispute letter on inaccurate and unknown accounts on my credit report. It's been over 60 days and XXXX, Equifax, and XXXX  did not respond. I feel like I'm being ignored of my disputes. According to 611 ( a ) says failure to investigate these items 30 days they should delete immediately. It has been over 60 days. I demand these accounts to be deleted or will file for litigation due to the anxiety you caused me. My information was impacted by the Equifax breach and may have gotten in the hands of the wrong person
Consumer complaint received 2020-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was outside the USA during the pandemic between XX/XX/XXXX and XX/XX/XXXX. 
Upon recieving my monthly statement from BoA I realized my checking account had been emptied despite me beeing away and the debit card always in my posession numerous spends mostly of the same amount XXXX had been withdrawn from my checking account. I have nothing to do with those nor do I know how or have I ever given away my information. I reported a claim with BoA but only got the answer they refused it as everything was technically done correct. So between XX/XX/XXXX and XXXX  XXXX when I blocked the card XXXX $ have been stolen from my account. First time this happend to me so first time Im ever in this situation. Do I need to report to the police? take legal measures? what can I do?
Consumer complaint received 2020-12-03
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 (TX)

Please see attached letter that i mailed to capital one. I had an agreement to have monthly payment deferred due to the pandemic. Some how my account was not adjusted and my account went late. I have sent detailed letter to capital one explaining the issue. I have been with them for 5 years and never missed a payment. Ive called capital one and asked for help on this issue.. And all she said to do was right a letter. They have not sent a response back and its been well over 30 days. Thank you for your help in this matter.
Consumer complaint received 2020-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX XXXX ; DO YOU OWN THIS ACCOUNT? HAS THIS ACCOUNT BEEN INCLUDED IN ANY LAWSUITS AGAINST XXXX XXXX? 

XXXX XXXX ; YOU ARE REQUIRED TO RESPOND TO DIRECT QUESTIONS TO XXXX XXXX. 

WILL YOU GRANT ME A QUIT CLAIM DEED? IF SO PLEASE TELL ME HOW TO REQUEST THE QUIT CLAIM DEED. 

HAS THIS ACCOUNT BEEN LIQUIDATED AND INCLUDED IN A SETTLEMENT? 

I AM WILLING TO work with XXXX XXXX to grant me a quit claim deed.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CT)

I, XXXX XXXX, of XXXX, in XXXX, Connecticut, MAKE OATH AND SAY THAT : XXXX. XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX have willfully repeated to damage my consumer credit year in and out for over XXXX years. They have violated many of my consumer rights as well as federal laws and cfpb laws. 
XXXX. XXXX XXXX violated the following Federal laws 12 USC 1431- no bank can loan me anything they are borrowing from me 42 USC 408 -Asking/using my social on any extended credit, pre approval or loans is a federal crime being there is no lawful money.

UCC 3-104 - Willfully and illegally used my negotiable instrument in the extension of credit to be paid to me.

15 USC 1602g - I the consumer am really the creditor!
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been calling and calling Transunion explaining that the account from XXXX XXXX XXXX does not belong to me. I have never done any type of business with them and have no clue how they got access to my information. Please delete this account and the inquires on the identity theft report. Someone has accessed my personal information and keep trying to open accounts and I don't understand how.
Consumer complaint received 2020-02-15
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. (MO)

I'm demanding that the following closed accounts be removed from my credit report, ( 1 ) XXXX XXXX XXXX   Credit Card, this is an unknown authorized user inwhich I have no knowledge of. 
Also please remove this closed account ( 2 ) XXXX XXXX Credit Card -- closed
Consumer complaint received 2021-06-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SIMMONS FIRST NATIONAL CORPORATION (TX)

I had observed some fraud on my account and went to the bank to see about stopping it. I asked to change accounts and get a new one. They denied my request. They said they were closing my account without my consent. They said I would have access for another 30 days and after that it would be gone. I tried to look at transactions and can not gain access to my account. I therefore can not complete my IRS income taxes based on my finances and payment transactions I made in all of XXXX. And will need XXXX transactions also.
Consumer complaint received 2022-04-26
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: Spring Oaks Capital, LLC (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX spring oak llc, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXXAccount # 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
Consumer complaint received 2021-05-01
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. (NE)

The creditor XXXX XXXX is not reporting timely payments to the credit bureaus. They are not reporting the correct loan balance on my credit report. The account is paid up through XX/XX/21. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-12-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (CA)

Fraudulent Bank Statements. Simple Bank provide customers with fraudulent Savings Account Statements that do NOT reflect the accurate Interest Rate earned on the account. They are Advertising a Higher Interest Rate, then changing the Interest Rate Mid-Month and only reflecting the Lower Interest Rate on the Banking Statement. The Bank Statement does not state when the Interest Rate Changed during the Month nor what days the account earned the Higher Interest Rate Advertised or the Lower Interest Rate actually stated on the Statement. 

Chronically Incompetent or Pretentious Complaint Responses. Despite stating my Complaint very clearly in multiple ways over repeated complaints, Simple Bank repeatedly provided the very simple minded response that they could not answer my concerns and that I needed to consult an accountant. This either reflects the chronic incompetence of their support team, or their conscious refusal to respond to this concern. 

After repeated Complaints, they finally confirmed that they KNOW their Bank Statements only reflect the Closing Interest Rate, and NOT the Opening Interest Rate. They KNOW their Statements do NOT indicate when the Interest Rate changed and how many days in the month the Advertised Higher Interest Rate was applied to the account, versus the Lower Interest Rate stated on the Bank Statement as the Interest Rate earned. Thus, they KNOW they are providing Fraudulent Bank Statements that do NOT reflect accurate information on interest earned.
Consumer complaint received 2021-06-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I opened a {$2000.00} CD with Bank of America on XX/XX/XXXX to secure an XXXX  XXXX Visa XXXX credit card. The credit card was opened on XX/XX/XXXX and closed on XX/XX/XXXX. Ever since I closed the credit card, I have contacted Bank of America customer service over the phone on multiple occasions to close and release the CD as I no longer need to have it since the card it was securing has been closed. However, customer service insists that I am unable to close it since Bank of America 's business card department has not yet released the hold.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL POLICE DEPARTMENTS TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

We have a mortgage with PHH, account XXXX. We have two property parcels that are included in our mortgage and are escrowed each month. We received notice from the XXXX County, Wisconsin tax assessor that property taxes due XX/XX/2021 have not been paid on one of the parcels. I contacted XXXX on XX/XX/2021 but the taxes remain unpaid. A penalty has now been assessed. This is on XXXX County PIN # XXXX. The total due as of today is {$73.00} plus {$2.00} interest, total {$73.00}. Please assist us as we have not received any response from PHH. 

Many thanks.
Consumer complaint received 2020-12-03
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: Credit Karma (OK)

I have gone to XXXX, used credit karma, XXXX, called my bank where I got my credit card, and everywhere they have sent me to no avail. I can not seem to be able to get a report since every time they say I use incorrect information, even though it is correct.
Consumer complaint received 2020-12-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MI)

Tried to log in to my account online and on App, received a message : = [ We locked your account to protect it from suspicious activity. To unlock it, call XXXX. ] = called the number XXXX, 4 times on XX/XX/2020, twice a gentleman answer, then hang up on me, the third someone answered with noise in the background and laugh then hangup again, the fourth time the same thing happened. 

very unprofessional and disrespectful.
Consumer complaint received 2021-05-20
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: EQUIFAX, INC. (CA)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2021-05-01
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: EQUIFAX, INC. (LA)

I decided to check m credit due to me being away for the past 2 years. I finally have a new job where I am at home now. My kids decided to tell me that they tried to apply for loans and credit cards in my name online so now I have 12 hard inquires on my account. I called all the companies and they told me there was nothing that they can do about it. I called Equifax and they told me they were coming back verified. 

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