davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I recently received a copy of my Credit report and see that you are still providing inaccurate information. I previously disputed a Bankruptcy on my credit report and in response you verified the item as accurate stating it was verified with the court. When a consumer files Bankruptcy the document is under federal law not state law. A Bankruptcy in public records can only be used for information purposes only unless the court authorizes. Public court records are available to anyone and may be used for news publications, academic research, and non-profit organizations. They may not however be used for commercial purposes of any nature. Commercial purposes mean selling, giving, or furnishing to others. I have already confirmed with the courthouse and was made aware that the court does not report any information to you or any credit reporting agencies for that matter. I have also enclosed their response for your records. Therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with : FCRA 611 ( 15 U.S.C. 1681 I ) Privacy Act of 1974 Violation 5 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration 42.56.070 ( 8 ) Conditions of Disclosure Cybersecurity Breaches of Government Computers and the information must be deleted immediately. Thank you for your prompt attention. I look forward to getting this resolved as soon as possible.
Consumer complaint received 2020-06-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

This account with USAA was closed XX/XX/2017 and charge-off as a bad debt, after 3yrs. a company called XXXX acct # ending in XXXX trying to collect this debt, this, wrong according to federal law.
Consumer complaint received 2018-03-18
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (OH)

Last month a collection account from Transworld Systems showed up on my credit report. I've received no mail or phone calls from this company. I disputed it with XXXX  but never heard anything back.

Today, Transworld again reported the account to XXXX   and XXXX. I have no knowledge of this account and Transworld has never contacted me in any way, including sending a letter notifying me of their existence and therefore providing me with the opportunity to ask for verification of the debt.
Consumer complaint received 2016-06-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Our Bank of America Visa correctly identified fraudulent activity in XXXX 2016 when it denied charges for several transactions including, for example : XXXX on XXXX XXXX for {$100.00}, XXXX XXXXXXXXXXXX and XXXX @ {$420.00}. We were not aware of this until we received the XX/XX/XXXX-XX/XX/XXXX itemized charges. When we saw over {$1800.00} in fraudulent charges, we cancelled the card and requested an investigation. In particular, the XXXX transaction on XXXX XXXX of {$380.00} and a {$280.00} at XXXX should certainly require an ID check. After the investigation, we were told the pattern did n't fit fraud so the claim was denied. We asked several times now for the case to be re-opened, requested copies of the signatures and filed a police report. The single signature copy we received was n't a legitimate signature. BOA has debited our account for the entire fraudulent amount. We can verify being at work when there were fraudulent card swipes. We have offered to help in every way but they wo n't refund the charges. Since BOA identified fraud and denied claims with our card, without telling us, they acknowledged fraud. Now they are denying fraud for later purchases at these very places. We have never shopped at XXXX or several other places where the fraud occurred.
Consumer complaint received 2015-05-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

A third party calling on behalf of Bank of America continues to call my mobile phone even after numerous denials of consent to do so. The third party has left multiple voicemail messages with statements insinuating foreclosure activity even though my account is still within the grace period.
Consumer complaint received 2023-04-02
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. (TX)

I did not provide the credit reporting agencies with written permission to report any of the attached accounts I am requesting them to be removed. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). My credit card information ( SSN, ID, etc ) was shared without my written or expressed consent. All of the companies and entites listed used and shared my credit card information to create unauthorized charges and to open fraudulent accounts.This is a violation of 15 U.S. Code 1681s-2.
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

I made a deposit of 3 checks at the ATM of US Bank at the XXXX XXXX XXXX in XXXX, OH on Sunday XX/XX/2022. Check # XXXX, XXXX, and XXXX for a total deposit of {$1700.00}. The ATM was experiencing issues and the deposit was pending and then disappeared. US Bank re-deposited the checks however they were cashed during the first attempt so the second attempt was returned. I have been trying to get US Bank to correct the issue now for 3 weeks. I have sent proof that the checks were cashed successfully and the second attempt is what was returned but I keep getting the same response asking to reissue the checks. However XXXX the company who wrote the checks will not re-issue has they have proof they have been cashed.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I had filed a dispute back on XX/XX/2021 requesting full validation on these accounts as I have no knowledge. additionally, I am requesting a validation on the company right to collection under the FCRA and Fair credit and billing act. I have not heard back from Equifax. If they can not validate, please remove from my equifax credit report. The following accounts is what I am questing : Collections XXXX XXXX  Opened XXXX {$100.00} XXXX XXXX XXXX XXXX Opened XXXX {$140.00} XXXX  XXXX XXXX Opened XXXX {$570.00} XXXX XXXX XXXX Opened XXXX {$620.00}
Consumer complaint received 2017-05-21
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: Experian Information Solutions Inc. (GA)

To whom it  may  concern, I mailed a Multiple Inquiry Removal Letter on   XXXX   XXXX    2017  by certified mail in order to dispute information, in regards to   XXXX  h ard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX  2017    and they completed the request on   XXXX   XXXX  2017.  The request that I submitted included   XXXX   Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1  ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 8 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$28000.00}
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 37 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2016-04-05
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Ad Astra Recovery Services Inc (TX)

Ad astra recovery a collection agency trying to collect a debt for XXXX who I had filed chapter XXXX bankruptcy on in XXXX 2014, that debt was discharged on XXXX 2014. Both company knowingly it was discharged and can not be collected but still trying to do so. Ad Astra recovery illegally reported incorrect information on my credit report and damaged it. They have violated chapter XXXX discharged bankruptcy code. They need to remove the collection off my credit report immediately. Thank you
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-02-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On XX/XX/XXXX I went to refinance my car in Golden 1 credit union. They run my credit and they approved my loan. They ask to send all the paper work so I did but in couple days I received a call saying that they change their mind because my social was a work social not permanent. I told them I felt discriminated for their actions because first they saw my credit that didnt start with the number XXXX like everyones but yet they run my credit told me I was approved and then they change their mind. Second I felt like they assumed that probably I would get deported some point on the process of the Loan. I never felt so low and unequal like this before. I understand they protecting their money but I know for a fact they wouldnt treat permanent citizens like this.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: FIRST ADVANTAGE CORPORATION (AL)

I applied for a bank position online. I got a call for and interview. I then received an email and letter stating the possible employer did a background/credit check. I did not give written consent. I did not give verbal permission either. I then get a call stating what they found on my credit they were n't going to proceed with the interview.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

Step 1 : XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX I was making a purchase of airline ticket and the card transaction is blocked. 
Step 2 : XXXX XXXX XXXX Logged in to mobile app, saw alert and contacted Citicards no on the alert through mobile ph Step 3 : XXXXXXXX XXXX XXXX As I got an office work, I have my wife ( joint ac holder ) speak to customer service. She was told to wait for a review letter which may take 6 Working days. 
Step 4 : I intervened and asked for review. After 10 mins of discussion, the agent said she will call me back.

Step 5 : I didn't get any call for 30 mins and hence called back. After keeping on hold for 13 mins to speak to a representative and after having a rep on call, the rep hanged up the call as if she can not hear me. She also said a rep tried to call me back. When I asked, why there is no voice message, she took all the time to investigate keeping me on hold and finally hanging up the call as she can not hear me.

Step 6 : I called from my office nu and requested to talk to a supervisor. After being on wait for 17 mins before the call and for another 23 mins with the agent, the agent said supervisor is busy and will call me in 24-48 hrs.

So, I lost the deal, 3 hrs. of lost work time during office hrs. Still, they didn't resolve the issue, didn't say why they are keeping me on hold, did not heed to my requests not to keep me on holds and finally they didn't even got me a supervisor or any responsible person explain me what is going on. I have been customer of Citi for more than 15 years and this is the care they showed towards a long standing and good rated customer. THey didn't even want to explain why a supervisor can intervene and resolve the issue. They didn't even gave me a reason for all this mess. 
I need punitive damages from citi
Consumer complaint received 2016-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (OH)

I have a a unverified account from PINNACLE CREDIT SERVIC XXXX. I had previously disputed this account this account. I have never done business with PINNACLE CREDIT SERVIC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt purport I owe. I request that PINNACLE CREDIT SERVIC Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PINNACLE CREDIT SERVIC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Consumer complaint received 2016-06-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc. (VA)

An outstanding bill from XXXX XXXX was sent to me in early XXXX - I was under the impression that XXXX had paid it. My employer intervened with XXXX to pay the bill, on my behalf to the XXXX clinic. The collections company is still trying to collect, although the bill was paid. In addition the collections agency hung up on my call, and was not reasonable during the call. 

ACEI is the debt collections agency
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SIMMONS FIRST NATIONAL CORPORATION (MI)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The SIMMONS BANK account with the account number XXXX was marked as Charge-off with an identified balance of {$9700.00} However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's " Date of Last Activity ''.
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent in 2 certified affidavit in regard to my file. I did not au authorize anyone to pull my credit and put inquiries on them. ple please have these inquiries removed : ( 1 ) XXXX XX/XX/XXXX ( 2 ) XXXX XX/XX/XXXX ( 3 ) XXXX XX/XX/XXXX XX/XX/XXXX ( 4 ) XXXX XX/XX/XXXX ( 5 ) XXXX XX/XX/XXXX
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MI)

I requested Experian to validate/remove a discharged bankruptcy on my credit file. They refused to do so and advised me that this is public record from the bankruptcy. I in turn reached out to the Bankruptcy court here in Michigan and was advised that they do not report to any of the credit bureaus. I certified mailed a copy of that letter to Experian and they have yet to remove this information from my file. As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Experian refuses to investigate.
Consumer complaint received 2015-10-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (PA)

I am in the middle of a Debt Settlement program. I have explained this to One Main Financial. They have called my work and left messages. I ma a teacher and unable to accept calls at my work. I am aware of the debt and it will be paid, however, my company XXXX will take care of this. They are harassing me and I am frustrated with their tactics.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

In in XXXX & XX/XX/2021, due to loss of employment due to the pandemic, I was over 60 days late in XXXX & XX/XX/2021 with my payments to Capital One Bank USA, N.A. for the XXXX account ending XXXX ; I was 30 days late in XX/XX/2021 to the XXXX account ending XXXX. 

I have sent 4 letters to XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX ; and XXXX XXXX, XXXX of XXXX XXXX asking for removal of the late payments from my credit reports ; The accounts have since been brought current. 

I believe under the CARES Act I am entitled to relief and these late payments should be removed. The bank refuses to acknowledge that the late payments were pandemic related late payments and will not make adjustments to by 3 credit bureau reports.
Consumer complaint received 2022-02-14
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (NY)

I sold my home in Florida on XX/XX/XXXX. After closing, I was due a refund in excess of {$2000.00} from my Mortgage lender, Caliber Home Loans. After not receiving the refund check by mail by XX/XX/XXXX, I called Caliber Home Loans and they informed me that my refund check was sent to the property I sold on XX/XX/XXXX and not to my forwarding address. I called the new homeowners of the property and they insisted nothing was ever sent addressed to me from Caliber Home Loans and have forwarded all mail received in my name in which none were a refund check. Either way, I gave XXXX my new address and was informed a new refund check will be issued and sent to my forwarding address and it should be received within XXXX weeks. After again not receiving a check by XX/XX/XXXX, I called Caliber Home Loans again and was told the new check request was never actually submitted. The XXXX representative told me she would fix the issue and submit the request for a new refund check and that unfortunately it will still be XXXX weeks before I received the check. It is now XX/XX/XXXX and XXXX weeks from that conversation and no check has been received. I called Caliber Home Loans again and was this time informed that for some reason, the request for a refund was closed out so a new request would have to be submitted and of course, we start the XXXX week process all over again just to call again in XXXX weeks and probably be informed of another issue with my refund. Caliber Home Loans has been awful to work with and its been almost XXXX  months since I sold my home with no escrow refund being received.