davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-02
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. (TX)

On XX/XX/XXXX i disputed incorrect information with XXXX and Equifax to alert them that they are reporting incorrect information. I have received updated credit reports that do not match across these bureaus. The date of status also has not changed proving that there was no investigation done. One in particular is an account that is reporting an incorrect first delinquency date. On equifax its dated XXXX but on XXXX its dated XXXX. Resulting in a longer period for this to remain on my credit report. I have also reached out to the collection company by certified mail to change the address they have so that The bureaus can delete the incorrect addresses they have on file. XXXX will not delete these incorrect addresses and as a result I am afraid someone at one of the old addresses may be receiving my credit offers putting me at risk for identity theft.
Consumer complaint received 2021-11-09
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. (FL)

good night dear agency, i come here to apologize to you guys for lying to you and saying i didn't know the doubts of my account, i really want to pay XXXX  XXXX please send them back to my account i'll pay all of them thank you very much
Consumer complaint received 2021-05-02
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The CRA 's are reporting false Public Record information in my credit profile. 

RE : XXXX XXXX XXXX CALIFORNIA Docket # XXXX XXXX XXXX XXXX CALIFORNIA Docket # XXXX After contacting the CA Bankruptcy court I was informed there were NO BK cases filed in my name. I was also informed that the " COURT '' and I Quote ... '' does NOT contact respond, or communicate with third party vendors '' This will include XXXX, XXXX  and TransUnion. Knowing this verifiable fact. I am puzzled that the CRA 's continue to " verify/ validate and account with out researching it according to the FCRA statutes. They are violating FCRA 611
Consumer complaint received 2021-01-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

All three credit bureaus have abused their assumed power of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

THE FOLLOWING ACCOUNTS DO NOT BELONG TO ME : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX US BKPT CT TX XXXX : XXXX XXXX XXXX : XXXX U.S. BANKRUPTCY COURT : XXXX PLEASE HELP ME REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2021-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC ()

Dear Sir/Mam, I initially filed a complain regarding fraudulent charges on my closed credit card. My complaint reference # is : XXXX. The collection company responded, and it says the file is closed, i am just wondering what is the status of my complaint? is the dept removed from credit history because i do not owe this charge. 
The collection agency has provided w/ the credit card statement and it shows that the charge XXXX {$100.00} XXXX was placed on the account on XXXX XXXX, XXXX XXXX late charges accumulated over time up to {$220.00} at later dates ) and seems like an online transaction, but i am outside the United States since XXXX. 
Can you please help me and remove this charge from my credit history? 

{$220.00} is not a big amount i would have taken care of it if it was genuine charge and a purchase done by me, but this is fraud and i did not make an online purchase nor this is my charge. 

Kindly please help and guide.
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc. (CA)

To whom it may concern : This is a written statement regarding the above medial record number. On Thursday XX/XX/XXXX, I received a notification from XXXX that there was a new collection item added to my account under Design Receivable Solutions Debt Collection Agency, under XXXX : XXXX with a date of service of XX/XX/XXXX. 

I called and spoke with XXXX at Design Receivable Solutions @ XXXX ext. XXXX on XX/XX/XXXX @ XXXX XXXX, who confirmed the collection account is from XXXX XXXX XXXX XXXX in XXXX XXXX, CA. 
I can confirm and prove that I have never been a patient at this XXXX XXXX. I am not a resident in or near the XXXX XXXX area nor have I EVER been. I do not have family or friends in or near the XXXX XXXX area either. I have been a resident only in XXXX California all of my life. Currently a resident of XXXX CA since XXXX ; and previously XXXX XXXX AND XXXX XXXX, CA. I am a victim of ID theft and have been since XXXX. I currently have about 10-15 police reports that I have filed myself and police reports that have been provided to me from various police departments over the years. 

Again, I am not a patient at XXXX XXXX XXXX XXXX nor have I been a patient with this XXXX XXXX therefor I am not responsible for this debt. Please investigate this and remove my name and SSN out of your system or database, ASAP and please notify the authorities. 

I called and spoke with XXXX in XXXX XXXX @ XXXX XXXX XXXX XXXX @ XXXX today, XX/XX/XXXX @ XXXX, who confirmed my identification and provided me with the medical record number and date of service. He also advised me to include in this email : My CA ID and a document showing my address at the time of the date of service that is being billed XXXX XX/XX/XXXX ). This email is also being sent from my employer email which shows the address of my current employer. I also included my employee verification with my start date. 

Collection Agency : Design Receivables Solutions Ph : XXXX Fax : XXXX Account # XXXX Police Report Number : XXXX
Consumer complaint received 2021-02-04
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. (MA)

I have sent in three different dispute letters in regards to unidentified accounts. These dispute letters were dated XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have spent money printing the letters, getting them notarized and having them mailed priority. The creditors or bureau has not sent me any documentation with proof that these accounts were correct. I have spent too much time in regards to the matter.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

I received two gift cards in the amount of {$200.00} each ( {$400.00} in total ) as a gift a few months back from my friends as a housewarming gift and I opened the gift card packages a month ago. 
When I checked the cards I realized there weren't any security codes behind the card which doesn't allow me to use cards online or in store. 
So I contacted the customer service and opened a case with a case number XXXX explaining the situation. They requested the documents below. 

o Front and back of the card as well as any tampering/packaging o Original Proof of Purchase o Copy of your photo I.D .

o Mailing address I provided all of the documents except the proof of purchase since it was a gift from several friends and it's inappropriate to call them and ask for a proof or want them to track down the expense which they did who knows when. And I explained this situation to representative. They said it was okay on the call but closed the case with an explanation they never received the docs needed even though I sent several times. 

Then I opened a second case with a case number XXXX. This time they received the documents and asked for the proof of purchase and I explained the situation once again. I didn't get a response from them. Today I called them to ask for an update about the case but I heard that the case was closed once again without an update given to me. I was basically waiting for nothing. 

So I opened a new case with a case number XXXX but it has been more than a month and I lost my hope about them resolving my case. That's why I contacted you. 
Basically they are keeping my {$400.00} just because I'm not able to provide a proof of purchase even though I have the cards physically and their security codes are empty. 

Don't know what else I can do to get my money back. It's like stealing money from gift card recipients. Basically they can sell several cards without a security code and keep the money to themselves because the gift receivers won't be able to provide a proof of purchase. I need a replacement of the cards asap and I don't wan na let them keep my money. They have no right to do that.
Consumer complaint received 2020-05-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

The below happened with Citibank : I was charged {$650.00} by XXXX XXXX  on XX/XX/XXXX. I didn't provide them any of my information nor had any business to do with them. When checking my wallet, I noticed that my debit card was lost. 

I reported the card as lost and disputed the transaction on XX/XX/XXXX ; and Citibank issued me a temporary credit of {$650.00} on XX/XX/XXXX. The case number is XXXX After months of not hearing from them, on XX/XX/XXXX I was charged {$650.00} for a reversal of the credit provided to me for that transaction. I called them on the same day ( XX/XX/XXXX ) to see what happened, and they let me know that the investigation didn't go in my favor. 

I tried to re-open the dispute and they mentioned I need to send a fax or letter to their Billing Dispute Unit and they don't know how long is it going to take for them to reimburse me.
Consumer complaint received 2020-05-08
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: Hillcrest Davidson & Associates (LA)

I noticed a collection account on my credit report that is NOT affiliated with me. I have contacted both the original creditor and collection creditor to dispute this information and get it removed from my credit profile, but I have not been able to get any answers. Everyone has just been giving me the run around or the phone call gets disconnected.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. XXXX XXXX XXXX # XXXX violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-13
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. (NJ)

I have tried to send Multiple disputes regarding my credit report with no response. I call and still do not get a response. I sent multiple letters with out a response over 30 days ago.To this day over 40 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute.
Consumer complaint received 2021-10-13
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. (OH)

On XX/XX/2021, XX/XX/2021 & XX/XX/2021 respectively, Equifax, XXXX XXXX XXXX received via certified mail, FCRA 611 ( 15 U.S.C. 1681I ) disputes from me asking for verification of all disputed accounts & written METHODS OF VERIFICATION, to be sent to me ( copy of letter attached ). As of today XX/XX/2021, I have not received any proof of verification nor any written Method Of Verification from Equifax, XXXX nor XXXX. This is a violation of my consumer rights under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. I have also fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Good day, To whom it may a concern, I have recently pulled my credit report and noticed the closed account XXXX/XXXX being reported as a charge off, however the address associated with this account is incorrect and inaccurate. According to the fair credit reporting act I ask this account be deleted and completely removed off my credit report immediately.
Consumer complaint received 2021-05-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

SUNTRUST BANK .... 
In XXXX ; Home paid/ newly widowed when bank repeatedly pressures me to take out a personal loan..ok for XXXX. ( for grandchildrens tuition ) Smooth talkers. Days later found it was MORTGAGE.!! Suntrust said Oh well when confronted. Contacted Corporate..same message!! 
I paid regularly.. Fall of XXXX Suntrust began pressuring me to increase equity loan.a bit ... would lower payments. Ok In XXXX COVID hit..mail sent payment was late.I.ran to pay it..huge fees followed. 
Suntrust changed mortgage ..without notifying me.in Fall if XXXX Statements stopped coming..I reached out repeatedly to no avail. .I continued reg. Payments & begin hearing payments are much higher now but conflicting amounts given ... finally get an amount,, pay it & not enough..late fees abound & my credit is affected. Suntrust now calls to help me..by talking me into selling my home & paying them off!! I said NO. Now mini-strokes abound! Fees going up & payments I made were funneled toward principle..to me, that alone is fraud ... .unbelievable!! 
This week, Theyre threatening to change mortgage again! HELP!! How can banks be allowed to ruin good peoples lives.. & targeting those whove worked all their lives & trapped by the high powered marketing & deceptive practices??!!
Consumer complaint received 2021-02-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: NAVY FEDERAL CREDIT UNION (NM)

Almost 2 years ago my bank Navy Federal Credit Union shut my card off after i reported some fraudulent transactions on my card.They shut my debit card off and my 2 credit cards.SO the result of that is me having to wire money and transfer money to different accounts which is not right.I didnt commit any type of fraud so i believe i should get my money back being i wouldve never had to transfer and or wire my money to different accounts if theye had better security and if they hadnt turned my card off.Because with Navy Federal Credit Union you have to pay for everything, cutting your card off leaves me with no choice to but to transfer my funds.
Consumer complaint received 2020-05-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA has blocked my access to online banking because I refused to divulge personal and financial information that was unrelated to my banking activities. I made repeated attempts to address the issue with USAA banking and security representatives. They provided me with vague responses while citing the Patriot Act. The questions they asked via an online pop-up window were outside of the scope/purview of the banking Customer Identification Program ( CIP ) as defined by the FDIC and Treasury Department. For the record, I am a retired service member with over 36 years of combined military and federal government service. I have owned the accounts managed by USAA for over 35 years. I am not seeking a loan with USAA or any other bank. 
There is no need or justification for USAA to ask me what my net worth is, details concerning my income, or whether I am a current or former high-level foreign government official, or a relative or close associate of one? In my opinion, these intrusive questions are in violation of the 1978 Right to Financial Privacy Act ( RFPA ). Even after four separate consultations with USAA they continue to block my access to my accounts via their online banking functions/site.
Consumer complaint received 2021-02-11
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: Santander Consumer USA Holdings Inc. (IL)

There is a fraud account from XXXX XXXX XXXX opened XX/XX/XXXX on my credit report. I have tried to fix with company contacting them several times speaking to XXXX I even asked the company to validate with an instrument bearing my signature that I signed anything with this company. I even hired a company to dispute this fraudulent account to no avail. I recently learned about the FTC and filed two ID theft reports XX/XX/XXXX and XX/XX/XXXX and went to two different police jurisdictions to file an identity theft report. I have submitted the Identity block request, FTC ID theft report, Two Police reports to validate the theft as well as Fair Credit Act pursuant to my situation to a person named XXXX with no help stating to me they are closing the complaint as NO FRAUD The account number I do not have but the amount is estimated around {$1300.00}. 
Same with SANTANDER CONSUMER USA there is a AUTO LOAN for approx {$38000.00} that was opened XX/XX/XXXX Have disputed with company as well as credit bureaus and sent FTC report and police reports This has been nothing but a nightmare this is identity theft I have disputed with credit bureaus as well
Consumer complaint received 2021-01-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NC)

My wife and I specifically requested the loan originator on XX/XX/XXXX we did not want to have a interior appraisal during these difficult pandemic times. He suggested Rocket Mortgage would possibly be willing to waive. We further proceeded with the application. Days passed in which we provided necessary documents were requested. After a few days XXXX XX/XX/XXXX. XXXX ), the appraiser called to schedule the appraisal. We questioned if we was aware it was an EXTERIOR ONLY. He stated he was not advised of that. He additionally stated he was told to perform both exterior and interior. 

Considering the heightened concerns of COVID-19, we were adamant about protecting our home ... our SAFE HAVEN, as well as ourselves. After repeatedly expressing this awareness, Administration/Management has done nothing more than defy our safety and health for the sake of mandating inconsiderate guidelines. 

We were in the process of a conventional loan, but wanted to utilize a VA loan for the first time. The loan originator felt the conventional would save us more. When the dispute carried on for several days, we requested to switch to a VA. Primarily because we were aware interior appraisals were not required. Veterans Administration printed a circular ( page 2- item 2/b )., If either party does not wish to move forward with the interior inspection or does not meet the criteria listed above, the appraiser may move forward with an EXTERIOR-ONLY appraisal with enhanced assignment conditions. Lenders may not direct the appraiser to conduct an interior inspection. 

This statement is found under Purchase or Refinance Transaction ( property occupied ). The items listed above are all relative to NOT HAVING XXXX  symptoms, HAS NOT BEEN quarantined ... none of which applied to us. Therefore, we DID NOT MEET them. Circular XXXX found on Benefits.VA.gov This angered us to know Rocket Mortgage ignorance of interpretation violated our rights to insist on an interior appraisal in order to finalize loan approval. Thus subjecting our safety and health during the coronavirus NOW with deadlier strains that are worse than COVID-19 during the time the circular was initiated ... XX/XX/XXXX.