davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (GA)

XXXX XXXX is collecting debt and have put a ding in my credit score. The terms are incorrect, there is no debt to begin with, there shouldn't be any debt collection. XXXX XXXX would not remove the debt from the credit report. The Original debt is from XXXX and have verified with XXXX there is no debt ( see attachment ). As a XXXX XXXX, a phone line is $ XXXX  month
Consumer complaint received 2024-02-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

I got two email notifications from Chime that my account is activated and the direct deposit is set up. I reach out to Chime to ask what is going on. I dont have any account with this company. They said my personal information is stolen. They closed the account, but didnt give me enough explanation when this was opened or the last four digits of my social security is matched. I realized there many other people experiencing the exact same situation in XXXX. This could be a serious issue for many people who dont check their emails as often as the younger generation.
Consumer complaint received 2022-05-01
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 an account without my written instructi
ons
Consumer complaint received 2022-10-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

In XX/XX/2021 midland credit started calling me and making threats to sue me if I don't pay a debt that I have any knowledge about. I continued to explain this to the company and they didn't stop with the calls one lady asked me if I was ready to go to jail. My identity was stolen. I was not even given any notice that I can even dispute this just a bunch of threats.
Consumer complaint received 2022-05-01
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. (NY)

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. 

1 ) XXXX  Account # XXXX has violated my rights TransUnion Account # XXXX has violated my rights XXXX Account # XXXXhas violated my rights 2 ) XXXX  Account # XXXX has violated my rights TransUnion Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights 3 ) XXXX  Account # XXXX has violated my rights TransUnion Account # XXXXhas violated my rights XXXX Account # XXXXhas violated my rights 4 ) XXXX Account # XXXX has violated my rights TransUnion Account # XXXX has violated my rights XXXX Account # 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 15 U.S. 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 2024-02-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I had a checking and savings account totaling more than XXXX. They opened another account under My name XXXX XXXX. Without my consent and then couple months later closed it for no reason. For fraudulent charges. That were mot my charges. Discrimination against me because XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

Servis One , Inc., d/b/a BSI Financial Services is a Repeat Offender they have signed a CFPB consent order indicating that they are aware of the problems, but they continue to behave in a way suggesting that they are ignoring the authority of the CFPB and BSIs responsibility to abide by the consent order. 

This document is part of an ongoing complaint I have filed against BSI Financial, wherein BSI has made an error in the accounting of my impound accounts. To summarize, BSI has debited my account three times for {$2500.00} each time, and two of these are legitimate property tax payments, but the third is inexplicable. Therefore, BSI needs to credit me for their {$2500.00} error. However, instead of evaluating the information and reviewing the accounting, BSI keeps fabricating explanations and never provides documentation to support their fictitious claims, because there is no logical explanation for the debit other than an accounting error on BSIs part. 
BSIs most recent fabrication attempts to dismiss the problem by claiming that the extra debit was a back-payment for unpaid XX/XX/XXXX property tax. But BSI provides no supporting documentation to defend this claim. 
Below, is my supporting documentation showing that BSIs claim of back-payment of taxes is clearly wrong. The taxes were paid in XX/XX/XXXX ( on time ) through my impounds held and paid by my mortgage service provider at that time : XXXX XXXX XXXX XXXX. BSI was not even involved with my mortgage until XX/XX/XXXX after I had refinanced my home loan and the new loan was sold to BSI for mortgage servicing. 
My series of documents below shows : 1. A copy of property tax bill indicating {$2500.00} amount due by XX/XX/XXXX ( would be delinquent after that date ) 2. Mortgage statement from my credit union ( which was the loan servicer at that time ) indicating a payment of {$2500.00} for property tax Bill 2 corresponding to the payment due in XX/XX/XXXX. 
3. Copy of property tax statement indicating that the payment was applied on XX/XX/XXXX. 

These documents prove that BSI did not make a {$2500.00} payment toward XX/XX/XXXX taxes, since : 1. The taxes had already been paid on XX/XX/XXXX and were not delinquent 2. BSIs dollar amount does not match the tax amount due ( {$2500.00} vs {$2500.00} ), and the County will not accept tax payments that dont match the amount due 3. The property tax statement shows that payment was collected on XX/XX/XXXX which is ten months prior to when BSI claims to have sent a payment i.e. BSIs claim is patently false In addition, BSI has a history of mismanaging escrow/impound accounts as demonstrated by a {$200000.00} fine levied by the Consumer Financial Protection Bureau ( CFPB ) in XXXX for severe escrow mismanagement. In fact, BSI is currently under a five year consent order associated with the XXXX penalty. But a review of the XXXX XXXX XXXX XXXX information on BSI reveals hundreds of complaints of a similar nature - all clearly demonstrating BSI 's disregard for the consent order.
Consumer complaint received 2022-05-01
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2024-02-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (FL)

NAVY FEDERAL IS TARNISHING MY ACCOUNT BY A BOUNCE CHECK WAS APPROVE BY THEY SYSTEM A YEAR AGO. NOW THEY GOT MY ACCOUNT OVERDRAFT, ANDTHE PROBLEM A CLIETS IS GET FUNDS BACK FROM A PRODUCT WAS SOLD TO YEARS AGO AND NOW MY ACCOUNT IS OVERDRAFT XXXX PLUS AND NEED THIS REMOVE BACK TO THE REGULAR BALANCE. I HAVE THE RIGHTS OF PRIVACY, U S C CODE 1681A 1681B 1666B 1692C 1681AI. PLEASE REMOVE THIS CHECKING ACCOUNT.
Consumer complaint received 2019-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/2019 our title company ( XXXX XXXX XXXX ) wire transferred $ XXXX to USAA credit service department in XXXX XXXX Texas, to pay off our USAA credit card. The purchase of our new home was contingent on this card being paid off. We had confirmation that XXXX XXXX XXXX properly transferred the funds to the correct place within USAA. After several hour plus phone calls and even attempting to escalate the issue, Even after 10 days, USAA has not resolved the issue and can not locate our money. XXXX XXXX XXXX has proof it is with them. USAA is claiming there is nothing they can do but they clearly have our $ XXXX. We need this resolved immediately since USAA is not working to resolve this issue. We were even told they cant help us on the weekends, so call back later. This after speaking to a rep for an hour!
Consumer complaint received 2018-02-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MA)

I have been trying to refinance my home and have been unable to because of a HELOC that was included in a Bankruptcy ( discharged in XX/XX/XXXX ) because the bank, ( PNC ) has refused to give a payoff or report the information to the credit bureau on the HELOC. 
I filed a chapter XXXX Bankruptcy that was discharged in XX/XX/XXXX.PNC was the holder of a HELOC on my property that I continued to pay even though it was included in the bankruptcy.I had tried to obtain a lien release and was quoted a figure of XXXX in XX/XX/XXXX.They claimed I still owed the money even though it was not reported to the credit bureau and they would give no rating in order for my lender in XX/XX/XXXX to do the refinance.They would also not subordinate this lien to a refinance so I had no options.I was paying a 5.25 % interest rate and wanted to refinance it to lower my payments.They were being impossible.I was willing to give them XXXX and get rid of them but they refused to give a payment history to the credit bureau on my payments on the HELOC. 
It cant work both ways, if the debt doesn't exist because of the bankruptcy then it should be discharged as a lien, if the lien still exists they can give a payment history so I can pay them off.They have not given me a statement or a balance in over 4 years despite many requests.As a mortgage servicer aren't they obligated to? 
My attorney told me that PNC was now offering lien releases to clients who were in Bankruptcy when I was, apparently they made errors during the process and they were making restitution.I am attaching a copy of the letter sent to other clients.I called them for my lien discharge and they  said my bankruptcy dates didn't qualify I advised them that it was in the same time frame as the person who received the attached letter and they said they would have a supervisor call.On XX/XX/XXXX I spoke to a XXXX XXXX at XXXX and he advised that he couldn't address all the issues but it had been elevated and within 1 day I would be contacted by a XXXX XXXX.He could not give a contact number and she has not contacted me.
Consumer complaint received 2022-04-07
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. (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 2023-02-15
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: EQUIFAX, INC. (GA)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I had a citibank checking account which I closed on XX/XX/2019. It is showing as account purged, I have no idea why it is showing as perged when i closed it voluntarily and I owed nothing to the bank. The bank needs to correct this
Consumer complaint received 2019-10-28
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. (LA)

All 3 of the credit reporting companies continue to mess up my reports. XXXX  and Equifax are by far the worst. XXXX  removed 4 closed accounts in XX/XX/XXXXafter Equifax rightfully did. The accounts were closed and had been paid off. Now, all 4 are back on there for NO APPARENT REASON! Also, an account that has been verified as not mine because I never lived at the address where the utility company has these reported and verified this with my lease, DL, and its on my credit report as not living there, was removed on XX/XX/XXXX and now Is back on there. I DO NOT HAVE TIME TO MONITOR THIS EVERY XXXX DAY!!!
Consumer complaint received 2018-02-16
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. (TX)

The Credit Reporting Agency reported damaging information on my credit report and my rights have been abrogated. The students loans have been paid in full ; however, they still showing negative on my record. I would like to see this damaging info be deleted form my record. 

Thank you.
Consumer complaint received 2021-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (DE)

PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX and I am the executrix of my estate named XXXX XXXX. THE COMPANY, ENHANCED RRECOVERY CO, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. Whereas I believe them to be a debt buyer, ENHANCED RRECOVERY CO, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX ON THE PUBLIC AND PRIVATE SIDE. failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.
Consumer complaint received 2018-02-16
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. (GA)

On XX/XX/2018, I sent the attached letter to Equifax requesting they verify the name being reported on the account. I received notification that the account was verified and remains on my report. This is impossible as the account does not belong to me and is NOT in my name and never was at any point per XXXX XXXX. I don't understand how Equifax is stating they verified my name as being reported for this account. My rights are being violated per FCRA and request this gets re-looked at and immediately removed.
Consumer complaint received 2022-02-02
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)

In efforts to correct the unjust identity theft/fraud that has happened to me and my family from XXXX to present, I have submitted with the Federal Trade Commission report XXXX XXXX, Experian, XXXX, XXXX, XXXXXXXX XXXX XXXX, and XXXX. To date most identity theft/fraud accounts have been removed. However, these are remaining on my reports : XXXXXXXX XXXX  - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$5000.00}, XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$3100.00}, XXXX XXXX XXXX XXXX XXXX  - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$5000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$20000.00}, XXXX XXXX Inquiries Experian XXXX, XXXX XXXX As God is my witness I have never received or benefited from any of the services, goods, credit, and/or funds from the identity theft/fraud committed against me. Whomever is committing this fraud against me is causing great stress and hardship to me and my family. 

Identity theft/fraud happened between XXXX to present ( XX/XX/XXXX ). I filed with Law Enforcement Report, XXXX XXXX  XXXX, Incident # XXXX, Case # XXXX, XXXX XXXX  XXXX # XXXX, filed on XX/XX/XXXX. 

Upon checking my credit, to see if I qualify for an auto loan, I discovered the following inquiries and several open fraudulent accounts. Credit cards, loan etc. There were also addresses that I am not associated with. Attached to report is a credit report with highlighted fraudulent accounts, inquiries, and balances from all three credit bureaus ( fraudulent accounts listed below ) : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I submitted an addendum to my original report with XXXXXXXX XXXX XXXXXXXX, Incident # XXXX, Case # XXXX, XXXX XXXX XXXXXXXX # XXXX, for additional inquiries and attempt ( s ) to use my credit. 

Since XX/XX/XXXX, a person ( s ) is still applying for credit in my name without my permission. Today I am submitting new inquiries and new address ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ).
Consumer complaint received 2021-11-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i first contacted XXXX XXXX XXXX about the fraudulent account on my credit report. it was removed from XXXX but still remains on Transunion, and XXXX. I have been a victim and been fighting identity theft since 2018.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (VA)

Subject : Unauthorized Inquiry Removal Request Pursuant to Virginia State and Federal Law Dear Sir/Madam, I am writing to you regarding an unauthorized inquiry reported on my credit profile by Navy Federal Credit Union ( Finance ) dated XX/XX/year>. I hereby express my explicit disapproval and denial of consent for this inquiry to be reported on my credit profile. 

The unauthorized inquiry conducted by Navy Federal Credit Union lacks permissible purpose as it was undertaken without a court order or my written consent. This action is in violation of both Virginia state law and federal law. 

Under Virginia Code 8.2-201, only permissible inquiries, which include those made with the consumers consent or pursuant to a court order, are permitted. Additionally, the inclusion of this unauthorized inquiry on my credit profile is a violation of the Virginia Consumer Protection Act ( VCPA ), as outlined in Virginia Code 59.1-200 et seq., which prohibits deceptive acts or practices in connection with consumer transactions.

Moreover, this unauthorized inquiry violates the Fair Credit Reporting Act ( FCRA ) Section 604, which stipulates that consumer reporting agencies may only furnish consumer reports under certain permissible purposes.

I view the inclusion of this inquiry on my credit profile as nothing short of identity fraud and a severe breach of privacy. Furthermore, the reporting of this unauthorized inquiry is in direct violation of the FCRA Section 607, which mandates that consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information contained in consumer reports. 

It is imperative that Navy Federal Credit Union takes immediate action to remove this unauthorized inquiry from my credit profile within the next four days. Failure to comply with this request will be interpreted as willful non-compliance, subject to penalties under both federal law and Virginia state law. 

I firmly assert that this inquiry is unverifiable due to the absence of permissible purpose on Navy Federal Credit Unions part. I expect prompt action on this matter and confirmation of the removal of the unauthorized inquiry from my credit profile. 

Thank you for your attention to this matter.