davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-29
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 60a A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following Items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 



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 2021-04-27
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: CITIBANK, N.A. (SC)

I WAS A VICTIM OF IDENTITY THEFT, THE RESULT OF THAT SEVERAL ACCOUNT WERE OPEN UNDER MY NAME. 
XXXX XXXX XXXX # XXXX ... .XX/XX/XXXX XXXX XXXX SEARS/CBNA # XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX. 
XXXX XXXX # XXXXXX/XX/XXXX XXXX. 
XX/XX/XXXXXXXX # XXXX ... .XX/XX/XXXXXXXX XXXX 
XXXX XXXX XXXX # XXXXXX/XX/XXXX XXXX CARD # XXXX ... SEARS/CBNA # XXXX ... 
XXXX XXXXXX/XX/XXXX XXXX # XXXX,,, XXXX XXXXXX/XX/XXXXXXXX XXXX.
Consumer complaint received 2022-10-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

I notified mortgage company XX/XX/2021 that the taxes have not been paid on several properties and I was at risk of loosing a tenant due to this being behind, taxes are due on XX/XX/2021. I notified the company several times after that I was at risk of loosing a tenant and the taxes needed to be paid asap. Taxes were not paid and I personally made the payment on XX/XX/2021. Weeks later company sent a check to make this payment after I informed them I personally make this payment and requested that they refund this amount to my escrow account. To date they have not refunded XXXX i personally paid for taxes.
Consumer complaint received 2020-08-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

THERE IS A FRADULENT STUDENT LOAN SHOWING ON MY CREDIT REPORT THAT SHOWING AS IF IT WAS CHARGED OFF BUT IT NEVER HAPPENED, I CALLED US DEPARTMENT OF EDUCATION THEY ARE TELLING ME, ON THEIR END THEY DO NOT SEE ANY ACCOUNT, HOWEVER THESE CREDIT REPORTING AGENCIES ARE NOT EVEN DOING ANY INVESTIGATION AND KEEP THE NEGATIVE ACCOUNT ON MY CREDIT REPORT
Consumer complaint received 2019-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (NC)

XXXX XXXX Ss # XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX SERVICES This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NY)

After careful review of my consumer report again, I still noticed that you continue to furnish misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You've reported transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from all consumer reports including XXXX, XXXX, XXXX, and XXXX XXXX And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all current liabilities have been transferred to the Revocable Living Trust `` Baker Legacy Preservation Trust ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS as you continuously violate my consumer rights, and I intend to accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Dovenmuehle Mortgage, Inc. (NC)

Mortgage was opened on XX/XX/2019, now its showing closed on my credit report and not reporting. Account has been paid 3 months now and no payments are being reported.
Consumer complaint received 2019-10-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION (TX)

A merchant tried to debit my account of {$500.00} ( not the exact amount but around that amount ), but my account did not have sufficient funds to cover the transaction. BBVA, my bank, blocked the transaction and still charged a fee. I do not think that's consumer friendly, and is a practice that they allow to profit from. Had the transaction went through, I would completely understand the fee, that's practical. However, the transaction did not go through. So, BBVA think it's ok to charge me a fee because of the attempt. That does not make sense at all, it is not consumer friendly. That's like me attempting to buy something  from XXXX, and my card gets declined. But since my card got declined, XXXX decides to charge me a {$38.00} fee. Not good practice at all.
Consumer complaint received 2022-08-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX XXXX XXXX reported a late payment on my account that they indicated was only 3 days late. But shows us 30 days late. My real concern is that I'm being discriminated against because I'm XXXX. And XXXX years this is the first late payment that I have had on my credit report. My score was XXXX. Now it's XXXX. That is a tremendous decline in my score for just XXXX late payment. I feel it was totally discriminatory and this would not have occurred to anyone else who was white. I can not get an explanation as to why other than the system that's called XXXX score XXXX determines what my score will be. It took quite some time for me to get a score as high as I'd hand which was XXXX for it to suddenly decline to a XXXX. This should be a better way of informing a person why your score is affected so dramatically with no explanation other than blaming it on the computer system that they authorized. I think this is a direct violation to the XXXX equal credit XXXX. Has been well documented at these practices have been done for quite some time when it comes to credit for XXXX people versus others. I'm hoping that you can help me in trying to resolve this issue with all three credit bureaus. I work very hard to establish my credit for it to be damaged so harshly with no cost. Once again I've only missed XXXX payment in 2 years and my score drop close to XXXX points. I can see no justification for this action by the credit bureau. Please help me resolve this issue so hopefully it will not happen to other people. 

Thank you in advance for your assistance
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a victim of fraudulent information reporting and I am refiling this complaint to BANK OF AMERICA. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2020-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (CA)

XXXX XXXX XXXX  is original creditor - *Debt is collection agency AWA Collections - Total Charge for services {$410.00} XX/XX/XXXX - {$180.00} - PAID ( at time of service ) XX/XX/XXXX - {$57.00} - PAID ( Insurance paid ) XX/XX/XXXX - {$190.00} - PAID ( insurance paid ) I sent in a written dispute in XXXX when first placed on my credit. The company reviewed and removed the collection. This was recently placed on my credit AGAIN. I disputed a second time. They refused to review or remove. On XX/XX/XXXX The agent asked me to send in proof and it would be reviewed. After faxing over proof on XX/XX/XXXX I spoke with AWA and they told me the docs were the same and still owe {$220.00}. 

I have also attempted to dispute with credit bureaus. XXXX  removed. XXXX  and XXXX  keep giving me the run around.
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (NY)

Over the past few months I have discovered that there were unauthorized cards attached to my account. None of which I received any text alerts regarding the usage and/or activation of these cards. 
In XXXX of 2019 I, I filed a complaint with the credit bureaus in regards to identity and fruadalent activity on my reports in addition to contacting Netspend and cancelling the account and card. Only to recently discover that the accounts nor cards were cancelled. 
In XXXX of this year, I came across atm withdrawals that we not made by myself. Over the past few months, for weeks at a time I have had no access to my accounts via their website nor mobile app. Their information online is inaccurate and when I file disputes, they deny my claims when they are the ones at fault. 
They have not provided me, in writing nor electronically the reasons for the denial of my disputes.
Consumer complaint received 2021-04-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (PA)

The owe me escrow monies since I am a 100 % permanent and total XXXX veteran. They held onto a majority of it for months. I called daily, left emails. They never answered. They sent me some of the escrow money but continued to hold some even after the original letter from the city stating Im exempt from ALL property taxes. They said they sent it weeks ago the remaining balance of about {$270.00}. Along with that, the last two months the charged me over that amount on my mortgage so that amount does not make sense. I have tried so many times to contact them and they never answer. I do not recommend this company to ANYONE.
Consumer complaint received 2023-01-30
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I spent half the day yesterday entering a detailed complaint ( # XXXX ) with you, the CFPB, against TransUnion ( TU ) WITH 21 pages of documentation attached ... AS SHOWN on the attached, YOU received the complaint, YOU assigned it a complaint #. I never received the e-mail it references telling me how I could follow updates, etc. So, as YOUR instructions state, I phoned your Helpdesk this morning. She tells me she can't find the complaint ... she tried by the complaint #, my name, my phone number, and my e-mail address. My options : spend another half day today doing it all again. Yeah, she apologized, but that don't do me any good ... I have to do it again if I want to register my complaint. How do I know it won't have the same fate as the first time ... LOST? What kind of systems are you guys running there???
Consumer complaint received 2023-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc (MD)

XXXX called me a few months back stating that I didnt pay loans that were taken out. However, I do not directly deal with XXXX  through the application. 3 loans XXXX XXXX XXXX XXXX XXXX ) were taken out under my account. I have submitted bank statements, my personal accounts for XXXX and XXXX detailing that I do not own those loans, and I even took pictures of my credit/banking cards showing that I do not own them. I never received notification about any loans that were taken out and XXXX has pushed off the multiple complaints that I have made even with my proof. The companies solely couldnt help me. One XXXX  rep told me to screen shot as much as I could but this has yet to help and now I have been referred to 3 different debt agencies. Im all out of options and I refuse to be responsible for a debt that I didnt incur. If someone can please finally help me I would greatly appreciate it. The last time I actually went through the XXXX  app to make a purchase was XX/XX/2022. XXXX XX/XX/2022 {$93.00XXXX XXXX  XX/XX/2022 {$830.00} XXXX XX/XX/2022 {$120.00}
Consumer complaint received 2021-03-26
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. (TN)

I disputed an account explaining that it was inaccurate as there was different information being reported by each report bureau to which I know it was inaccurate. The last payment date is incorrect as well as the open date. I received no response from the copy stating what their resolution was. I also asked for a copy of my credit report each time. I disputed this account numerous times using screenshots to show how the inaccurate information violated the FCRA section XXXX & XXXX as nothing was consistently reporting. I asked for the account to be deleted by my request was simply ignored.
Consumer complaint received 2019-10-30
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. 

BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX- XXXX INQUIRIES : XXXX  XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2019-10-30
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. 

BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX INQUIRIES : XXXX XXXX XXXX   XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2020-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

I had a JCPenny account, and fraudulent activity was done under that account in the year of 2019, I was never notified or sent a statement for me to realize it was fraud. I just recently received a phone call that I owed them XXXX and it would be sent to collection. I have called and gone into the store of JCPenny with no avail. I get nowhere with them I have even asked for the statements from them to see where the transactions were made but they wont release it.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (DC)

Our mortgage was being serviced by TD Bank when we decided to refinance. We closed on our refinance on XX/XX/2021. Our XXXX mortgage payment did not go through prior to the refinance and so there was an overpayment amount, in addition to the escrow balance owed back to us By TD Bank. 

I called to inquire about the money they owed us mid-XXXX. They allegedly cut a check XX/XX/XXXX in the amount of $ XXXXish. I don't have the exact amount. Well, it never reached our door even though I've received THREE other mailers from them. 

I called today to ask about them resending another check. I asked if I could pick it up at a local branch or if it could be mailed priority. ANYTHING. They were unmoved. They told me it would take 5-10 business days just to cancel the check. Then it would take another 10 business days to CUT a new check. Then it could take up to 30 business days for us to RECEIVE the check. That is about 8 weeks from now. When we should've received the check over a month ago. 

This is unacceptable. The timeline for the receipt of a check. RIDICULOUS. They are withholding my money on a timeline that suits them with complete disregard for the consumers they adversely impact.
Consumer complaint received 2023-01-30
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-11-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc. (TX)

Voice mail as follow- XXXX XXXX my name is XXXX XXXX I'm contacting you regarding your case that is in the process of being filed to XXXX County by XXXX to make you aware that I ____ your case number XXXX __ ____ __ the county it becomes a matter of public record and there is an order for your location since I was unable to reach you by phone __ XXXX I have been instructed to contact your employer is because your supervisor because it does look like that is going to be your likely place of location XXXX you have the legal right to contact the _________ office that is processing your case however you would have to speak with them before your case about not sure case of discharge from their office all of your legal rights will be forfeit the number provided for their office is XXXX and also XXXX XXXX that you're going to need to speak with _____ legal department XXXX XXXX you are being legally notified by telephone and _ ____ so otherwise you will be located at your primary residence place of employment or third-party relative