davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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. (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. 
Account name : XXXX  # XXXX has violated my rights. 
XXXX XXXX  XXXX XXXX card name|What 's this? 
Balance {$610.00} Updated on XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX name LATE PAYMENT Balance {$360.00} Updated on XX/XX/2022 XXXX Link card name LATE PAYMENT Balance {$0.00} Updated on XX/XX/2022 XXXX XXXX XXXXXXXX Link card name Balance {$320.00} Updated on XX/XX/2022 XXXX  Link card name Balance {$290.00} Updated on XX/XX/2022 XXXX  Link card name LATE PAYMENT Balance {$680.00} Updated on XX/XX/2022 XXXX XXXX XXXX Link card name LATE PAYMENT Balance {$310.00} Updated on XX/XX/2022 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (SC)

On XX/XX/23 I had some charges from XXXX I needed to dispute. So I disputed them all from that day but a charge for {$99.00} and {$49.00} somehow didnt get included in the initial dispute. So I called a few days later. The person I spoke to said they added those two disputes. Few days later still on there. I called. They said we are updating our systems and call back in a hour and they hung up. I called back a few days later and they said same thing but would be 1-2 days until they could take my call and they hung up. After that I called they AGAIN added those two disputes or so they said. I dont get how everything was that day from same place but its so hard for them credit me back {$99.00} and {$49.00}. I then saw I havnt been credited back so I called once again. The gentleman I spoke to kept getting the dispute amount wrong and kept putting me on hold. So after 30 mins going back and forth my call got disconnected. It shouldnt be this hard to get credit back since I was credited back everything else.
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (FL)

XX/XX/XXXX Was calling in since they closed my account down for fraud - was speaking a XXXX at the time, during the convo she said we need to open a new account, We were doing that all of sudden she stops and says " I am no longer allowed to speak to you please take your ID Into a local branch and verify you are XXXX '' I asked her what the heck happened she refused to speak to me. 
I asked to speak to a manger, XXXX said the info I am getting is not adding up. Everything I said was adding up. It is the fact that I am a XXXX and my voice does not match the correct pronoun, because of this they locked me out of my account. Because of my voice, this is 2020 I should not have to disclose personal private info about my gender to a phone rep and have my account locked because of this! I am so dishearten by this bank that I am 100 % switching on Monday. 
Disclination at its finest.
Consumer complaint received 2022-12-30
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)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P&B Capital Group, LLC (NJ)

To whom it may concern, I am writing to you regarding file # XXXX. I have received a notice from P & B LLC claiming that I owe them a debt. However, I demand that P & B LLC validate this debt under the Fair Debt Collection Practices Act. 

As a responsible citizen, it is my right to ensure the validity and accuracy of all my debts. Therefore, I request that P & B LLC provide me with all the necessary information to verify this debt, including the amount owed, the original creditor, and any other relevant details. 

Furthermore, I demand that P & B LLC immediately cease all collection activities until they have validated this debt. Per the Fair Debt Collection Practices Act, I understand that collection activities can only continue once the debt has been validated. 

I expect your prompt and respectful attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TN)

My complaint is with Franklin collection service inc from XXXX, ms referencing account XXXX I did not engage in business with this company XXXX XXXX. I did not do business nor agree to do business with them. The debt is in in the name of XXXX XXXX. This is XXXX XXXX debt. 

I attempted to explain this to both XXXX and Franklin collection service and they stated they wont change anything.
Consumer complaint received 2020-11-19
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. (FL)

Hello, I mailed out dispute letters to all 3 bureaus to remove one account and I have received a response from them. My first letter went out XX/XX/XXXX and I gave bureaus more than 60 days with no response. Second letter went out XX/XX/XXXX and still no response. Please have them remove item from my credit report, as you see they even have non matching opening dates of account and non matching closing dates accross the board. This is a 2nd violation of false reporting according to Section 623
Consumer complaint received 2022-10-12
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. (FL)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-11-08
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: Resurgent Capital Services L.P. (KY)

XX/XX/2020, {$11000.00}, the actions were taken by myself challenging the accuracy, compliance, and reportability of this listing with LVNV Funding LLC. 
According to the Fair Credit Reporting Act in Section 609, I am exercising my rights. Please provide me with copies of the original sources for the item reported which includes contracts I signed.
Consumer complaint received 2022-10-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2021-07-27
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. (DC)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

I had a fraud on my account for {$10000.00} in 3 different checks, 1 for {$8000.00}, 2 for {$1200.00} 3 for {$840.00}. I did the report to the bank Wells Fargo, but they said the claim it was made to late ( over late 6 months ). I did the report as soon I notice the discrepancy. I was doing reconciliation for my annual tax report. I have an extension for that reason it was late because I have an external account helping with that.
Consumer complaint received 2020-11-18
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: Experian Information Solutions Inc. (MA)

Hi XXXX ; Credit Bureaus ... ..I 've disputed this account before with both the creditor and credit agencies ( Experian, XXXX, and XXXX  ) and it's impossible that this charge off account was ever investigated because the account status was never updated and there are 3 different dates of last active, dates of last payments, inconsistent payment history, 3 different dates of open, and inconsistent high balance and 3 different account numbers and name, etc. Please DELETE this account for Inaccuracy because there are different dates of last activities : ( Date Last Active : XXXX:XX/XX/XXXX ; Experian : XX/XX/XXXX & XXXX  : XX/XX/XXXX ). You cant report different dates and years of activities like this! Its imperative that this be accurate because it determines when the account naturally falls off. And its also re-aging the account prior to me disputing it. This is a violation. Please DELETE immediately from my credit report. 

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-10-12
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. (GA)

In late XXXX of 2022, I requested that TransUnion verify or remove inaccurate information from my credit profile. I received a response with " Updated '' information, which was NOT requested. Again, I sent in another dispute in XXXX, and XXXX and got similar responses ( attached ). To this day, NO verification source, documentation nor evidence has been provided to support these claims of being " verified '' other than claiming the creditor confirmed the account is mine, again with NO proof. These responses seem to be a computer generated response to dispute requests and has caused me to not qualify for financial products I am entitled to. ( also attached is a denial letter ). 
TransUnion AND the following companies violated the laws of 87 CFR 41243, 15 U.S.C. 1681b and FCRA 604 ( a ) ( 2 ), by providing, submitting and/or furnishing negative financial information to credit reporting agencies, WITHOUT written authorization from me, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

Called at XXXXXXXX XXXX on Wednesday XX/XX/22 to make payment. Spoke to XXXX with ID number XXXX who put me on hold for three separate instances before telling me a half hour later that she can not process my payment. This is my 8th filed complaint within past 4 years. Everytime I call and your company refuses to process my payment I will continue to file these complaints as it is my only option. I have never experienced worse customer service anywhere in my entire life bar none than when I call your company.
Consumer complaint received 2021-01-19
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-11-30
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. (FL)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 instructons 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 seven vears.

15 U.S.C. 1681s-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Hi I had fraud in my Citizens Financial Group. credit card ending in XXXX. This happened back in XX/XX/XXXX and XX/XX/XXXX. On the XXXX there were 2 charges made for {$2900.00} and on the XXXX for {$1400.00} and all of these 3 transactions were unauthorized charges and were made without my knowledge/consent. I had lost my wallet and in it my credit card and ID. I sent Citizens the police report that I filed at the time, I also told them I am willing to sign an affidavit stating that these transactions were made without my consent but bottom line Citizens still didnt give me credit back for this and are holding me responsible for this. These transactions happened overseas. I have been fighting about it ever since and I am trying to get to the bottom of this. They have been very unprofessional and I have the hardest time trying to reach out to a representative that I can talk a discuss the matter. 

I dont know what else is it that you these guys need from me. I told them to try contacting the merchant, check cameras, whatever it is that they need to do. I just want to get to the bottom of this and I want the credit back into my account. I will keep fighting this and appeal it cause I wont be held responsible for any unauthorized transactions. 

If theres anything you can do to help, please. 

Thank you My kindest regards to you.
Consumer complaint received 2021-01-18
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. (CA)

I applied for a personal loan today XX/XX/2021 and I was not approved because apparently there are some accounts reflecting badly on my credit report. The accounts are from several different companies all of which I do not have any contract or agreement with. The accounts listed on this report do not belong to me nor did I benefit anything from them being opened in my name such as money, goods, services or any other benefit. I also did not make any payments towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2022-11-30
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
- Persolve/Preserver Legal # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX *Please remove all non-account holding inquiries over 30 days old. 
*Please add a Promotional Suppression to my credit file.
Consumer complaint received 2023-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TN)

I closed my chime account due to hackers and was assured I would receive a check for XXXX it's been 3 months and now they tell me that since the account was closed I am not entitled to receive any money left in the account. Also the hackers somehow got access to the. Account and started a new account in my name. Chime gives me a different response each time I call and does not answer emails sent to XXXX.
Consumer complaint received 2022-11-30
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. (WI)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing today in regards to my account with Capital one account # XXXX in regards to the lates reported for the following months XXXX, XXXX XXXX and XX/XX/2020. Due to Covid I was having a hard time getting these payments made. I hope you can help me out based on the CARES ACT and update these to not reported in the above months. I am trying to maintain good payment history.