davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF NEW YORK MELLON CORPORATION, THE ()

I have a letter of proxy dated on 1920 from my Great-grand father, in that letter he had said if his wife does not collect some documents from the Bank of New York, now Mellon Bank New York ( MBNY ), somebody else could claim to the bank the belongings deposited in the bank by XXXX XXXX XXXX with the only condition to present the letter I have mentioned and three pictures of him in a Ranch located in Texas referred by him as his property, in that letter he mentioned that claim could be presented until 100 years in order to collect the documents and his belongings from the bank. I am attaching the original proxy letter and instructions letter with his correspond certificated translation to English language, I also have the pictures and an identification of my Great-grand parent, in case you need to verify the originality and truly existence of the pictures I can fly to deliver it in NY. 

My great-grand mother, grandparents and parents never attend to these instructions in order to retire the documents. 

I was asking in the NYMB regarding these properties and due to it is an old issue they suppose that these belongings could be delivered to the NY government by XXXX, recently I was trying to track these information through the NY comptroller web site but I did not find information that exactly match with the information of my Great-grand father, and thats why now I am asking for help in order to request for these properties. 

I could also attach if you require my XXXX visa copy and my XXXX ID copy. 

Between the additional documents I have from XXXX XXXX XXXX are his baptismal faith of birth, XXXX identification, and I do not have his death certificate, but I have a letter from the XXXX army where they refer to him as deceased. 

XXXX XXXX XXXX was a XXXX during the XXXX civil war who fought against the depleted government of the former president XXXX XXXX, as he was in continue combat and sometimes had to hide himself from the enemy, in the Army files are documents certifying this situation and also they mentioned he was hurt in battle but we do not know the exactly form and conditions of his dead, we suppose due to his character of military officer and the times of war are the reasons we can not find an official dead certificate.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2024-03-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (PA)

When I took out the loan for the car it was drivable but weird bc they told me to make payments at a gas station so I just wanted to see for myself but made payments threw the company then I noticed threw out time something was wrong with the truck one week it stopped then the car starter acted up then I noticed the wire were tapped in side the car then screws were missing I went back and said well theres screws missing in it and it looks old they said its used what do you expect then I said I have to pay XXXX for this and year its used maybe its the way u driving it
Consumer complaint received 2020-11-20
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. (GA)

XXXX  and transunion has a dismissed bankruptcy on my report which they both say was verified thru they 3 party vendor XXXX who they claimed they certified it was accuraste. I would like to exercise my ights to see that certification because i contacted XXXX and the told me its no bankruptcy for me in there data base ... XXXX rep and I call XXXX  on a conference call and they confirmed it was not there..on XX/XX/2020 XXXX  removed the bankruptcy then on the XXXX put it back on my report without prior notice which is violation of the FCRA in which they have to notify me with in five days in writing of the reinsertion. I respectfully ask that you investigate they actions and have them follow proper protcol and remove this dismissed bankruptcy from my report
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST INTERSTATE BANCSYSTEM, INC. (TX)

My mom had a checking account t with first interstate bank in XXXX Montana. She added me to her bank account. It was never my account. She passed away I. XX/XX/XXXX. Her bank account with negative and the back turned her over drafted account into a unpaid loan and put it on my credit report. I paid the amount on XX/XX/XXXX but they will not remove it from my credit report.
Consumer complaint received 2023-01-12
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)

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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.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 item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 

I have enclosed the inconsistency for the XXXX XXXX XXXX. 
Im also request a copy of the actual contract with my signature on the for all account.. please delete .. if proof of signature cant be provided Please delete XXXX XXXX .. the balance still wrong at its XXXX XXXX XXXX XXXX XXXX XXXX and its been paid.. delete asap
Consumer complaint received 2024-03-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

I don't recall having a contractual relationship with this collection company XXXX XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-03-15
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

Citi closed my account on XX/XX/XXXX claiming that I " was not able to maintain the security of this account ''. This is not true and I can prove this if needed, but this is not the reason I am contacting. 
The Citi Costco card that I had included a rewards program. 
At the end of the year customers would receive a rewards certificate based on their spending from XX/XX/XXXX - XX/XX/XXXX of that year. 
On XX/XX/XXXX I received an email from Costco stating that my rewards certificate was coming in the mail. 
I realized I still have not received it earlier this week and called, they told me since the account was closed that my rewards were forfeited. 

The rewards were accumulated all year, from XXXX - XX/XX/XXXX. 
The account was closed on XX/XX/XXXX. 
I am still entitled to the rewards I earned BEFORE the account was closed. 
*statement and letter attached
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IN)

Chase # XXXX Inaccurate Late Payments Immediate Action Required I noticed that you are reporting errors on my credit report indicating that I was late on the account ( s ) noted below.

Please explain how you can report these negative marks when I was never late.
Consumer complaint received 2024-03-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (NY)

There is this self account ( installment loan ) reporting on all XXXX of the bureaus that I do not recognize and it has a late payment reporting to it that is greatly affecting my chance of approval and I need it removed as soon as possible
Consumer complaint received 2022-06-17
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)

According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights. 

Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX  XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -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
Consumer complaint received 2022-06-17
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)

According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights. 

Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX  XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -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
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

BEST BUY/CBNA XXXX payment reflected on XX/XX/2020 on my three boroughs. This is not correct. I have made all my payments on time. As you can see on my history all payments are current. I had my account in automatic payments as well. This is an internal issue with Best Buy.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Transunion is charging my credit card for a service I never intended to buy or believed I purchased. I do not believe that intended to authorize such a purchase and believe that if there were such it is the result of deceptive marketing practices. I have cancelled the service, or so I believe, and have disputed the charges. There are least three charges for XXXX on XXXX, XXXX, and XX/XX/XXXX. The only reason I gave them my credit card number is because it was required to obtain my free credit report. I never intentionally authorized additional at cost services from them.
Consumer complaint received 2022-06-17
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. (NC)

To Whom It May Concern : In accordance with the Fair Credit Reporting act, the accounts listed below have violated my rights. 15 U.S.C 1681 section 602 A. States that 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 instruction. Please delete the accounts listed below. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/ XXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time and help in this matter.
Consumer complaint received 2022-06-17
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. (NC)

To Whom It May Concern : In accordance with the Fair Credit Reporting act, the accounts listed below have violated my rights. 15 U.S.C 1681 section 602 A. States that 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 instruction. Please delete the accounts listed below. 

Accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/ XXXX XXXX  XXXX US DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time and help in this matter.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

Citi closed my account on XX/XX/24 claiming that I was not able to maintain the security of this account. This is not true and I can prove this if needed. 
After many years of using this card for almost all of my purchase I had accumulated about XXXX points as per my XXXX statement. 
When I tried to call to redeem the points i was told they had been " forfeited '' because Citi closed my account.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aspen National Financial, Inc. (HI)

I received correspondence for a debt for my XXXX XXXX XXXX XXXX ( Association ) Timeshare from Aspen Nation Collections dated XX/XX/XXXX. I sent them a written notice on XX/XX/XXXX stating that I already relinquished my interest and obligation to the Association in writing. To date, they have not provided to me, and the Association has continuously refused to provide to me, any relevant authority that would obligate me to be held responsible for assessments and fees after I have given proper notice to relinquish my timeshare interest per their agreement. 

A review of the Deed ( the Declaration was not enclosed ) and the statutory authority that they have provided understandably allows for assessments to be imposed to timeshare owners and reserves the right to secure a lien against the timeshare interest if the timeshare owner is delinquent in paying outstanding assessment amounts. 

However, as stated previously, I did not possess any timeshare interest or have any timeshare obligations prior to the Association imposing fees supposedly resulting from assessments. On XX/XX/XXXX, I properly exercised my right to relinquish my interest and obligations and provided written notice to the Association prior to the Association imposing any assessments and fees. Subsequently, on XX/XX/XXXX, the Association emailed me a notification of an outstanding balance in the amount of {$1100.00} for the XXXX annual fee payment. 

At the time of the purchase of the timeshare interest and signing of the contract on XX/XX/XXXX, the Association, by and through its representative, employee, or agent, has expressly represented to me that I would be able to exercise a right to relinquish my interest and obligations as a timeshare owner : 1 ) upon written notice ; and, 2 ) after I have paid in full the cost of the time share interest, which, I have done. ( It appears that the Association is taking the position that this representation is false, and if this false statement was made by their representative, employee, or agent to induce me to make the purchase, such a scheme would be quite deceptive ). This was a material term that I relied upon at the time of the agreement. I have requested the contract from the Association, and the Association has confirmed on more than one occasion that no executed written contract exists. 

To date, Aspen National Collections has NOT provided me authority that refutes my unequivocal understanding of the terms of the agreement that authorizes me to exercise my right to relinquish my timeshare interest and obligations after written notice and the satisfaction of the cost of the timeshare interest.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (PA)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Its been more than 30 days and the credit reporting agencies are in violation of the law because I am a victim of identity theft!
Consumer complaint received 2022-06-16
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. (PA)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Its been more than 30 days and the credit reporting agencies are in violation of the law because I am a victim of identity theft!
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

I would like to formally request the removal of all hard inquiries, collections, installments, closed accounts, debts, inaccurate addresses, and any other inaccuracies from my credit report. 

FCRA Section 611 FCRA Section 605B
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (AR)

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX but under XXXX shows that account # XXXX ) I am Attaching identity and proof of address.
Consumer complaint received 2024-03-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: SOUTHERN TRUST MORTGAGE LLC (VA)

In XX/XX/2023, I obtained a pre approval from XXXX XXXX with Southern Trust with all of my current financial information to include a rental property. The lender pulled my credit and ran the ratios and assured me that this would be a loan they could make. 

The pre approval letter was generated and made a condition that I have to sell my current principal residence. Now 60 days from closing, the lenders assistant XXXX states that we have to sell our rental unit or pay an additional XXXX before we could process the loan. 

I don't understand how the information remained the same, and now they are requiring all of these to get my loan closed. I will not work with a company that engages in deceptive business practices. If this loan could not be made without the selling of my rental unit that has over XXXX in positive equity, i would have like to have been told that in the beginning. 

I also never received a loan estimate and as i think about it now, this company is not even accredited by the XXXX XXXX XXXX
Consumer complaint received 2023-01-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc. (TN)

Received an email from XXXX on XX/XX/23 stating to look into my XXXX portfolio. I clicked on the link because I was wondering what was going on. I KNEW I didnt have a loan with them. After getting access to the account I saw some information was incorrect about myself and some was correct. I then tried deleting the account but was unable to and had to call a XXXX number. I have been on the phone twice with XXXX from XXXX today on reporting my account as fraudulent and both times have been put on hold then the call has dropped. Now, they wont even answer the phone. Its either a scam or the company as a whole is scamming people, but I dont appreciate my personal info floating around.