davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-20
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: Comerica (CA)

I will be following this up with a letter to the bank, but thought this might be  another avenue  to reach someone. Recently I took my father, the accountholder, to the Comerica Bank branch in  XXXX   XXXX , CA. The purpose was to order a duplicate  XXXX  and copies of relevant statements on the account because we believe that funds were withdrawn without proper authorization. The statements will be needed for legal action, however, we did not relay that information to the staff at the branch.   Upon first speaking with th e Branch Manager, s he told us we had to go back to another branch to order the documents. That makes no sense since we can visit any branch to transaction business, why did we have to be inconvenienced by going to another branch to request documents.   Then we were told since the account was closed she could not provide bank statements. We understand there is a charge for copies of statements but she kept insisting that since the account was closed we could not request copies of statements. In fact, her last directive to us was that we had to serve a subpoena in order to receive those copies. By the way, the account had only been closed since  XXXX   XXXX  and the account has been opened since the late  XXXX  's.   I work in the banking industry and know about record retention and the facts as given to us were simply not accurate ( requiring a subpoena to obtain customer documents  ).    Lastly, we wanted to order a  XXXX  on the account since it appears to have been misplaced. Again, we were refused and told to subpoena documents.   When I asked to speak to her supervisor, she gave me their number fo r Quality Assurance  at  XXXX . I did in fact call that number and to this day have not received a call back. In fact, while in her office she called the same number and received a voicemail. I asked " What number do you have to call  as a Branch Manager wh o needs immediate assistance ''. She said she calls the same number. I wanted to immediately talk to someone of higher authority and was essentially refused.    XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX  # XXXX has violated my rights. 



15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

The disputer letters were sent on XX/XX/year> and nothing was removed and no follow-up letters were sent to me as well 1. Identity Theft XXXX XXXX Account Number : XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. The following account is not mine XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

7. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

8. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 2017-04-19
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Acceptance Solutions Group, INC (OH)

This company took money out of my account mulptile times without permission. When I inquired about taking care of the amount due in full, I wanted to pay with cashiers check or money order I was told that there was no address to send it to and I was to let them take the amount out of my checking I do n't wish to do that since they ripped me off before. Now they are calli ng four or five times every 3 min,  calling my daughter leaving nasty messages, if they want to provide me with an address I will pay the account.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX and I am a consumer that is protected by the FCRA and FDCPA attached you will find Mortgage Companies as well as credit reporting Companies taken advantage of me by furnishing inaccurate/ incomplete accounts in my consumer report. 
Please see attached ; Being reported by TransUnion, XXXX, XXXX
Consumer complaint received 2021-09-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RoundPoint Mortgage Servicing LLC (MD)

Around XX/XX/2021 I received notice from RoundPoint Mortgage alleging I owed a debt. On XX/XX/2021, I responded with an an affidavit which was received by RoundPoint on XX/XX/XXXX. With no response, I followed up again with another affidavit on XX/XX/XXXX. Still waiting on their response.
Consumer complaint received 2021-09-23
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: Colony Brands, Inc. (NJ)

I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)
THE FOLLOWING INFORMATION ATTACHED IS UNAUTHORIZED/FALSE AND MISLEADING/UNDERMINING/IMPAIRED.
Consumer complaint received 2017-04-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Medical Data Systems, Inc. (GA)

I did not have any procedures performed at  XXXX   XXXX  on  XX/XX/2016   . Furthermore, I never received a bill in the mail for this amount from any facilities. This collection is now on my credit report that I have no knowledge of.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX, I requested XXXX to send {$100.00} to my friend using Capital One credit card. Capital One charged {$10.00} cash advance fee for the transaction. 

On XX/XX/2021, I paid off the credit balance for the total amount of {$190.00} ( {$110.00} + other purchases using Capital One card ) because I did not like to way Capital One dictates credit card users on how to use their cards. I was going to close the account. 

On XX/XX/2021, I received an email from XXXX saying that Capital One never funded the transaction. There was no money transferred between Capital One credit card and XXXX ( but Capital One charged me {$110.00} anyway ). 

On XX/XX/XXXX, I wrote to Capital One to ask for a refund of {$110.00} that I over paid them. 

On XX/XX/XXXX, I received a letter from Capital One saying that they can not process the refund because I don't have a credit balance.
Consumer complaint received 2017-04-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy Federal has decided to practice extremely unfair mobile deposit practices. Their terms and condition state that you have to receive a approval email before XXXX otherwise it will not get processed that day. Although their customer service team clearly tells you that you can make a deposit at XXXX and it will be processed that day. Their is an approximate. 2-6 minute delay in their approval and you receiving the email. And their customer service also informed me that the approval time can take anywhere 20 minutes to 2 hours depending on how busy the bank is. By the impression your customer service gives it is clear that there is some give time in the processing time if you can submit a deposit at the very last second. This is not true. If you do not receive your approve before XXXX you will have to wait 24-48 business hours to get your check approved. No matter what time you submitted your deposit. All this is of course based of the bank time table and their app clock which you as a customer have no way of verify is correct nor do you get any sort of warning prior to depositing that it is close to their cut off time since this is a national bank that runs of EST but if you are n't in EST obviously XXXX EST would be a different time for you. So when I called and was informed their would be a two day hold on my check till tuesday I was upset and all I was told was the term and conditions were clear. Which they clearly are not since their own customer service team either 1 ) does not understand them or 2 ) is intentionally giving customers wrong information so that they will use their overdraft protection and the bank can charge a fee. Either way this huge disconnect in process time is an issue that is not clearly explained to customers and requires a lot of explanation. I have received multiple answers on the timeline of my claim. My check was approved sometime between XXXX EST and XXXXXXXX XXXX EST. No clear answer to that. The app says XXXX approved. One representatives said XXXX another said XXXX but the email was not sent till XXXX. the timeline process is horrendous and seems to benefit Navy Federal how they please
Consumer complaint received 2017-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

XXXX sent this debt to Jefferson Capital Systems for collection. My father has the same name as me and I believe this may have been my father and mother 's issue. I have received multiple " settlement '' offer type letters and notifications. I explained to the collection agency that is is not my debt. I even offer to make a payment of {$150.00} to get rid of the debt and hopefully remove from my credit report. This has been going on for over two years now. I want this charge either removed or resolved and the item removed from my credit report from all known credit reporting agencies.
Consumer complaint received 2022-01-06
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: CORELOGIC INC (NC)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2018-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (VA)

Opened new checking account on XX/XX/XXXX, at which time institution was offering {$200.00} bonus for new accounts that were opened, had a {$300.00} direct deposit. Terms indicated that bonus would post within 60 days of account opening. However, 60 days has elapsed and no bonus has been given, although all terms have been met.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After investigation, it was found that my identity was stolen. Any inaccurate information needs to be removed from my credit report. All credit inquiries as well need to be removed from my credit report a police report will be in this document as well as identity theft report as well.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had an account with XXXX XXXX in XXXX delinquent in XXXX the had it in my credit report for 6 years on the seventh year it was sold to a credit collection that I made agreement with and it was paid to the collectors. I disputed some additional fees that the collectors added that I was not notified of. XXXX XXXX bought back the XXXX that they claim I still owed and put it back on my credit report for the pass 6 months ruining my credit but its shows that the account is closed, this is very unfair it is corporate bully Ive paid over the interest rate more than I owe this company.
Consumer complaint received 2022-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ATTENTION : TRANSUNION DISPUTE DEPARTMENT To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XXXX XXXX The terms reported is incorrect, please DELETE. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 


Please DELETE/ UPDATE the above accounts as quickly as possible. 

Sincerely, XXXX XXXX XXXX # XXXX DOB : XX/XX/96
Consumer complaint received 2022-09-09
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. (NV)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-09
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. (NV)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-10-04
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-08-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Collection Agency, Ltd. (CO)

On XX/XX/2019, I rescued a cat and was billed by XXXX highlands ranch in the amount of about XXXX dollars ( I do not have the bill, but was sent this by continental collections agency ). I then made payments of XXXX dollars on XXXX XXXX, and XX/XX/2019 on my credit card. I paid another XXXX dollars in cash on XX/XX/2019. This should have left my balance around XXXX dollars. 
Fast forward to a year later, I was not made aware of this balance and was sent to continental collections by XXXX, and was being charged over XXXX dollars. I do not believe this is a fair debt based on the original amount owed, much less payments which were made by myself toward this debt. I dont believe I have paid this completely, but i do believe my dent owed to the original debtor was less than XXXX dollars This balance has since grown to almost XXXX dollars, and I simply can not pay this. This makes me stressed every day, and I would like to simply pay them XXXX dollars, or nothing, and have them remove this error from my otherwise great credit file!
Consumer complaint received 2017-04-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Midwest Fidelity Services, LLC (TX)

XXXX   XXXX  contacted my employer and called my place of employment. I do not know what the call is in regards to. She needs to cease all calls to my employer for they are not allowed.
Consumer complaint received 2022-01-08
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-04-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Recovery Services, Inc. (TX)

I noticed a {$1400.00} debt reported as collection on my equifax credit file. According to the report Original creditor is  XXXX    XXXX   XXXX   located in  XXXX   XXXX . Collection agency is  Southwest recovery servi ces located in  XXXX  Texas. ( Both of which I 've never had any dealings with in my life ), This is a fraud. i 'm in the middle of purchasing a house and this kind of activity will jeopardize my chances of owning this house. I am asking for a full investigation of this matter. I 'm requesting that the highest penalty possible be implemented on these perpetrators. I want this account removed from my credit file.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have a lot of fraudulent inquiries that are not mine on my credit report with Transunion. I 've addressed this issue with Transunion when I sent them letters about the inquiries as well as phone calls . Tranunion reinserted those inquiries after they were deleted and I never received a 5 day notice about  the reinsertion. Which is a violation of the FCRA.
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX, checked my credit report and I noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit reporting agencies to remedy the situation and they would not help me remove these fraudulent and inaccurate accounts