davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
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: CITIZENS FINANCIAL GROUP, INC. (NY)

Dear Sir / Madam, This Is For Your Kind Notice I Applied On XX/XX/XXXX XXXX Credit Card And Got Turn Down By One Of The Main Reasions That CITIZENS BANK AUTO LOAN Notified All Credit Agencies That I Am Participating In a Payment Relief or Deferral Program, Recieving Modified Terms, or Credit Counseling Service, On One or More Of My Account or Loan. 

When I File a Dispute As I Never Called or Requested Any such Type Of Relief Program Then XXXX New Accounts Review Department Came Of The Exect Words That CITIZENS BANK Notified On XX/XX/XXXX To XXXX Trade Line 5 That I Am Effected By Natural or Declair Digaster For Flood Related Relief Program Which Is Totally Unecceptable As I Bought A XXXX XXXX XXXX Through CITIZENS BANK AUTO LOAN And I Pay There Installement Always On Time or Before Time And I Dont Have Any Issue With Any Of The Creditors To Pay My Installement or Loan. 

I Always Paying My Credit Card Bills And Auto Loan On Time or Before Time.

Then I Contacted CITIZENS BANK AUTO LOAN Supervisor / Manager On XXXX XXXX, XXXX. To Look Into This Matter Which Is Effecting My Credintials With Creditors And My Personal And My Family Life Because Of There Negligance. Then Sai We Informed We Open The Case ( XXXX ) Reference ( XXXX ) For You And Forward It To Office Of The Chairman So You Will Get A Call From Them In 24-48 Hours But No Body Called the I Contacted Them Again And Again As No Body From Office Of theChairman Offcice Called Till Now I am Writing This Complaint Of Fraud On My Credit Report. XXXX EST On XX/XX/XXXX. 

So Please Look Into This Matter Which Is Effecting My Credintials To Creditors, My Personal And Family Life. 

Thanking You, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
XXXX, NY XXXX. 
XXXX : XXXX XXXX XXXX.
Consumer complaint received 2021-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc (GA)

COLLECTION BUREAU OF FWB. amount : {$1300.00} on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of .....

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

THEY NEVER RESPONDED i would like this account to be removed from any credit bureau it is reporting to
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Grain Technology, Inc. (WA)

I opened a credit account with this company since they claim they help consumers credit when on time payments are made. They do this by reporting to XXXX  credit bureaus. I opened an account with grain by paying a {$200.00} deposit and they matched that, so I have a {$400.00} credit limit. The account was opened in the middle of XX/XX/2021 and now it is XXXX and they still have not reported to any of the credit bureaus. I have emailed them twice and they guarantee a response in XX/XX/XXXX hours and its been a lot longer that and I still have not heard back anything. The only reason I opened an account with them so I can improve my credit but they are not reporting and its going on XX/XX/XXXX months.
Consumer complaint received 2021-10-13
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. (SC)

I submitted a request a request to EQUIFAX to have all fraudulent inquiries removed as well as inaccuracies investigated and reinvestigated on my credit report. I tried to correct these inaccuracies with EQUIFAX starting from XX/XX/2021 up until now. I submitted a complaint to their company through here on XX/XX/2021 only to receive notification that they didn't know who I am. So here is where I stand since. On XX/XX/2021. I have sent EQUIFAX a certified letter with all disputes I have sent off this year. I also sent an AFFIDAVIT OF TRUTH which has been notarized by a state representative official. I also invoiced them for many willful and negligent violations. This is causing grave harm to my character and reputation. My next step is to file in federal court. I have tried. The only new things I have attached is my AFFIDAVIT OF TRUTH, the invoice, and the certified letter receipt. They have everything else.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.
Consumer complaint received 2021-11-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

On XXXX I received a letter from Resurgent Capital Services. The letter stated that enclosed was a document that I request. I requested validation of an alleged dept pursuant to 15 USC 1692g. All I received was a statement detailing false information, such as listing XXXX XXXX  as an original creditor, where 15 U.S. Code 1692a defines a creditor as " any person who offers or extends credit '' which in fact XXXX XXXX  can not do. This statement along with the attached document is a violation of 15 U.S. Code 1692j, as I requested validation but instead was issued a deceptive form of a statement and a letter stating than an alleged debt was owed, which is also a violation of 15 USC 1692b ( 2 ) which details how a debt collector shall " not state that such consumer owes any debt ''. Additionaly this organization has violated USC 1681 ( 4 ) of the FCRA when they obtained my location information from an unauthorized 3rd party " LVNV Funding '' and then contacted me without my receiving " prior consent '' as mandated in 15 USC 1692c of the FDCPA. Pursuant to federal law, this organization has violated several laws of the FDCPA as well as FCRA and is liable for both willful and civil negligence. This negligence has tarnished my reputation, as well damaged my credit file.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent in dispute letter to remove hard inquires that were not authorized by me. Below is the list of Hard inquires on my report. 

1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX/XXXX XXXX XXXX XX/XX/XXXX 4. XXXX  XXXX na XX/XX/XXXX 5. XXXX  XXXX  XXXX  XX/XX/XXXX 6. XXXX  XXXX  XX/XX/XXXX I also have a medical bill that have been removed on other Bureaus account but one 1. account # XXXX XX/XX/XXXX FOR {$68.00}
Consumer complaint received 2021-11-02
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: DISCOVER BANK (GA)

During XXXX XXXX XX/XX/2021 I was a victim of identity theft and my information was used to apply for several accounts, which resulted in me filing a report with Identitytheft.gov and contacting each bureau to resolve as well as dispute the hard inquiries acquired. I reached out to XXXX  XXXX XXXX regarding the fraudulent application and was informed that someone from the fraud investigation team would be contacting me, but no one ever did. Discover informed me that the account was closed and would be updated with all three bureaus to reflect as fraudulent but only a few months were deleted from only my XXXX report and not the overall account as it is still reporting as delinquent and negative. I also contacted XXXX to inform them that I had not submitted an application and was told, " the application was submitted online and flagged as potentially fraudulent, which resulted in an instant denial due to further review being needed '', and was informed that it would be removed within 90 days but that wasn't the case.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

Applied for a XXXX credit card today when I attempted to purchase annual XXXX passes for my family. My application was denied due to already having received a XXXX card with promotional benefit in the last 24 months The previous card being referenced was closed. I closed the account when I cancelled the XXXX passes during he pandemic. 

It was not clear or disclosed that I would be denied for the stated reason when I applied for the account. Had that been the case, I would not have applied. When I called I simply requested that the inquiry be removed from my account due to the lack of clear disclosures. I did not want an account opened. Only the inquiry removed. They refused. It is not appropriate that my credit report takes a negative inquiry hit due to XXXX lack of clear disclosures in their application process
Consumer complaint received 2021-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted Trans Union XX/XX/XXXX about disputing an amount on a debit that was incorrect. They said they verified it and I replied XX/XX/XXXX to dispute that again. And responded yet again XX/XX/XXXX when they reverified again. I still have it on my credit and was refused credit because of it
Consumer complaint received 2021-11-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC (NJ)

My Name is XXXX XXXX. My home address is XXXX XXXX XXXX XXXX XXXX NJ XXXX. On XX/XX/XXXX I made my final payment to XXXX XXXX XXXX  on My XXXX XXXX XXXX Vehicle and was told that by XX/XX/XXXX I will have my title in my hand for that vehicle. On XX/XX/XXXX the end of business day I reached out to the bank and advised them that I did not receive the title for my XXXX XXXX XXXX, I was then told that their records show that it was mailed out on XX/XX/XXXX and I should give it an additional 10 business days for arrival. On XX/XX/XXXX end of business days I reached out back to the bank and inquire about this title again and was told to check with my DMV. I then reached out to the DMV and was told that a lien is still on my car and that they would not receive my title if it's paid off it should have been sent directly to me. I was then advised by the DMV to ask the bank for a Lien discharge statement and then I can apply for my title on my own. On XX/XX/XXXX I then contacted the bank again to request a lien discharge statement, I requested a copy to my email and one via mail. I was told again that they sent it via mail and I should check back my email within 2 hours it should be there. I called the bank back within 3hrs from our previous conversation, notifying them that I did not receive any lien discharge notice, they told me to wait a bit more for it to come through. I then gave the bank until the next business day ( XX/XX/XXXX ) and called back and it's still no help. At this point I'm starting to get the impression that the bank is lying and just refuse to hand my Title over to me and I need my title. 

I don't know how much this will helps but my account number with the bank on that car is XXXX. 

Thank you.
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been in communication with Capital One, requesting that they remove an account that should not be reporting. They have violated many of my consumer rights and I am requesting that upon review, they will completely remove this account from my credit report. Back in XX/XX/2021, I demanded that Capital One provide me with lawfully requested information upon request and in a timely matter. I asked for : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions correct? ). 
3. An itemized statement breaking down the balance you claim I owe. 
4. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

All of these request are within my consumer rights. The response I received was dated XX/XX/2021, way past the 30 day timeframe that would be considered within a timely manner. Furthermore, they addressed me by XXXX XXXX XXXX. That is not and has never been my middle initial. My name is XXXX XXXX XXXX. Which they would know if they actually had any contract or application. However, they don't. One of the responses clearly states that they can not provide me with a copy of my application because it was done over phone or internet. Phones and the internet have the power to record information that would be critical in times like this. 

In summary, this matter needs to be addressed immediately. Theres no reason why this account is still reporting. They claim that they have " resolved '' the matter even tho I disagree. Nothing has been resolved and I intend to file a complaint with the FTC if they can not realize that their error is damaging my credit report and due to all the violations they must remove it.
Consumer complaint received 2021-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is my second time disputing the following accounts : -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 I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (GA)

XXXX XXXX American Express XXXX Card Credit Balance : {$24000.00} Account number ending - XXXX Obligor has not received any refunds for credit balances for this account. I have reasonable cause to believe that I have been induced into an adhesion contract with extortionate terms I would never agree to. 

American Express has breached their fiduciary duty by engaging in unlawful extortionate means in a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce. American Express has jeopardized my the consumer credit reputation to coerce payment of this extension of credit and punish me for the nonrepayment thereof. This constitutes unauthorized use of a credit card and violates TILA, FCRA, GLBA, CFPA, FTC Act, The Sherman Antitrust act and The RICO Act. 

I would never knowingly consent to any conditions or provisions that would allow American Express to engage in embezzlement and aggravated identity theft. I disaffirm any alleged agreement or contract, whether implied or explicit, with American Express. 

Any payments made to this account were a result of threat, duress, and coercion due to undue influence. I have never agreed to any of these terms if I knew I had a choice. I have reason to believe, American Express XXXX XXXX XXXX XXXX XXXX 

This account is a billing error. Provide documentary evidence of the obligor 's indebtedness to American Express.
Consumer complaint received 2021-11-02
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry : XX/XX/2021 2021
Consumer complaint received 2021-11-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc. (GA)

I called Upstart and wanted to inform that Im Enlisting in the United States XXXX XXXX and will be shipping out to XXXX XXXX on XX/XX/XXXX and need to defer my payments due to me not being able to be present and make payments and is listed in in my SCRA benefits. They told me they couldnt defer my payments and will put negative reports on my credit score which is entirely against the specifications of SCRA Protection laws
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (TX)

XX/XX/XXXX, XXXX, XXXX, XXXX frequent phone calls at my place of employment. I have made several attempts to have them stop calling my work phone. My employers does not all personal phone call on work phones. they have called my co-workers asking them to transfer them to me.
Consumer complaint received 2021-11-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BHA Services (NM)

www.bhabillpay.com XXXX sent me a text trying to collect a debt from XXXX for a company called XXXX XXXX I was discharged of all debts under chapter XXXX on XX/XX/XXXX, when I explained this to the caller he began to argue with me that he needed my attorney and his phone number, I told him he was violating the federal bankruptcy laws by trying to collect a discharged debt, he kept asking for my attorney which is irrelevant considering my attorney is no longer under retainer. I ended the call as the gentleman who had a thick foreign accent was not listening.
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (DE)

I have had numerous problems with this bank, M & T Bank, mostly with fees. Over the past few years I have had thousands charged to me in fees. Albeit a lot is due to overdraft charges due to financial struggle related to the pandemic, but I have had my statements changed around to depict me over drafting my account when it was actually M & T charging me account service charges. 

I have had deposits essentially go missing, in part or whole, and have never gained any assistance from the bank or even any concern over my well-being, though that is purely a customer service issue. 

Recently I deposited a $ XXXX check that was a 1 day clear check from a bank and customer Ive dealt with before so no issues of available funds from the issuer of the check. I was told the check would be available after the holiday and that the holiday delayed it, which I havent had issues with before, and then today I was told a four ( 4 ) day hold was placed on my account, although they are allowing other charges to go through and continue to overdraft my account which will cause me to have even more fees. 

I am convinced this is retaliatory, unfair and continues this trend of M & T causing their consumers to be charged fees, which in my research I have found this bank has had legal troubles in the past with this same issue. This action leaves me with no money, is inconsistent with hundreds of other deposits Ive had with this bank with no issue and is causing me even more financial hardship with the charges this will create. 

I believe this bank is acting, in the very least, unethical.