davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rausch Sturm LLP (AZ)

I am writing on behalf of My common law husband XXXX XXXX -paquet and myself XXXX XXXX this is in regards to a credit card with XXXX  XXXX XXXX XXXX debt collector XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX for the amount of {$700.00} XXXX and I took this credit card put as a joint card we took XXXX insurance son this card due to my fight with XXXX Incase the worst senecio happened. 
I XXXX XXXX filed a chapter XXXX and received a dischargeonths later we receive letter regarding this debt and others not discharge XXXX XXXX was not Part of the chapter XXXX so now he owes this entire debt I XXXX have wrote numerous emails as well as on the websight of Attorney Raush Sturm XXXX XXXX XXXX  XXXX XXXX XXXX wi XXXX XXXX no response except weekly threats weekly letters even though I XXXX have called acknowledged and in receipt of all that mail and harassment there are laws to protect us from this type of harassment it shouldnt be a threat it needs to cease and desist immiediately. I XXXX have sent a letter stating this debt will be paid in small outs due to our financial hardship and due to both XXXX and XXXX both on card I XXXX will be following up as this company receives payment of any type I do not want threats of legal harassment as we are doing our best on XX/XX/2018 XXXX sent a small check letter included as the websight does not allow us to make a payment with out checking account and we will not feel comfortable with giving out banking I formation such as routing and account number I am coming to you to sto the letter notifications abuse threats and give us time to pay this and at time Of completed full payment removed off XXXX and XXXX credit report not with paid less than owed or charged off I would line this completely removed I would please appreciate the respect or the letters calls to stop and let us make this just and right
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Equifax Thank you for removing the address But the name you report is wrong You Equifax state you need Identification, You were sent copies of offical goverment documentation 2, I D s Drivers lic and conseal carry lic both have correct name spelling not what you report that is the only way my name is used I can show proof that you received the ID s and now you seem to be stalling with the statement you made .CFPB please send copy of case XXXX My case there response and my response back this should not take any time to fix seeing you have the documents this is a clear violation of false reporting
Consumer complaint received 2018-11-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: HUNTINGTON NATIONAL BANK, THE (CO)

In my role as the XXXX XXXX XXXX for the XXXX XXXX XXXX ( " XXXX  '' ), I oversee the bequest administration process. I have a full time paralegal who works on gifts we received as part of someone's planned giving at the time of death. Often times, the XXXX is listed as a beneficiary designee for an individual 's IRA. When that happens, every single financial institution requires that the XXXX XXXX XXXX open up an account in order to receive the funds that have been designated to come to the XXXX. Whether or not this step is necessary is debatable, but that is not the subject of my complaint. In opening up the account, most financial institutions ask for information about the representative opening up the account. I am authorized to act on behalf of the XXXX so it is my signature every time. We process dozens of beneficiary designations each year. In many cases, I am asked for my personal Social Security number to open the account. As you may imagine, in this era of frequent breaches I am uncomfortable providing my personal Social Security number on a regular basis simply to do my job. It is not required under the law. There are a number of articles on this topic I am linking one : XXXX XXXX XXXX On most occasions, we are able to successfully persuade financial institutions that they do not legally need my individual social security number in order to set up an account for my organization, which only wants to receive the money it was bequeathed. However, after several conversations with XXXX XXXX XXXX, I was essentially given the choice of disclaiming the gift for my employer or providing my individual Social Security number. I am providing that number very reluctantly would like the CFPB to stop financial institutions like Huntington from this unnecessary and intrusive of my privacy. 

The people at Huntington I dealt with were XXXX XXXX and XXXX XXXX and a lawyer named XXXX.
Consumer complaint received 2018-11-22
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. (OH)

I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, XXXX, and Transunion. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.
Consumer complaint received 2018-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (GA)

I have a loan with NAVY FEDERAL CU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FEDERAL CU with no successful resolution. XXXX is the only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/ XX/XX/XXXX.
Consumer complaint received 2023-03-24
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Dear Consumer Financial Protection, I am writing to bring to your attention a fraudulent activity that has been occurring on my Capital One Bank account. A credit card was opened under my name and delivered to an unknown person who has been using it without my authorization. The card number is XXXX, and as of today, the fraudulent amount on the card is {$3100.00} and keeps increasing. Despite notifying Capital One Bank about this fraudulent activity back in XXXX, the situation has not been resolved, and the person in question has been using the card for years without making monthly payments, causing significant damage to my credit score. 

I have been working with Capital One Bank for the past six months to resolve this issue, but they have not been able to remove the fraudulent card from my credit score. I have also notified all of the credit bureaus, but the situation has not been resolved. I recently spoke with XXXX at XXXX, and she confirmed that the fraudulent activity is still on my account despite my previous notifications to Capital One Bank. 

This situation has caused me a great deal of stress and financial hardship, as my credit score has dropped to low levels due to the unauthorized use of my credit card. I am reaching out to you for assistance in resolving this issue. I believe that Capital One Bank should be held responsible for any damages that have occurred as a result of this fraudulent activity. I am willing to provide any necessary documentation to support my case. 

I am seeking a resolution to this issue that involves the immediate removal of the fraudulent card from my credit report, compensation for any financial losses that I have incurred, and measures taken by Capital One Bank to prevent this type of fraud from happening in the future. 

I appreciate your time and attention to this matter and hope that we can resolve this situation as soon as possible. 

Sincerely XXXX
Consumer complaint received 2022-10-13
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. (NY)

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00} and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-02-17
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. (VA)

My name is 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 2023-06-10
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. (GA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (DC)

XXXX activity in my checking account with Wells Fargo. I reported it to Wells Fargo & XXXX XXXX store which took place on XX/XX/XXXX. The amount is {$270.00}. Both companies are claiming they see no fraud?
Consumer complaint received 2023-03-10
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: OPORTUN FINANCIAL CORPORATION (AZ)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  Has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A SECTION 2 : It also states a consumer reporting agency furnished an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as for purpose.
Consumer complaint received 2018-11-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Williams & Fudge, Inc (TX)

I am a survivor of XXXX and XXXX  XXXX and I my XXXX coherst me into several private student loans to where he bought a XXXX, and another car for my son, and used for fixing up our house. The only way I could get peace was is I agreed to sign this loan. We divorced 4 years ago and I still am trying to rebuild and find relief from this marriage. The only way he agreed to get the divorce was he put XXXX and XXXX all over me and his choice was either jail or give me money so I could hire an attorney. 4 years later I am still seeking relief. 

I can not pay this loan because it is from XXXX  XXXX. Please help.
Consumer complaint received 2023-03-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I purchased this vehicle in XXXX through XXXX XXXX XXXX. During the signing I was told that I was to put down {$1500.00} and a trade of my XXXX XXXX. I informed them that I did not want the gap coverage. I was not only charged for gap coverage they added extra items onto my account such as warranties and auto maintenance coverage. I was not told they were adding these fees under financing. When my wife looked over my forms she discovered all these erroneous fees. Approximately a few weeks after purchasing my vehicle, the dealership went out of business. I contacted Credit Acceptance to ask them to remove and reimburse me for the fees charged. I was told that they don't refinance and that they can't take off the excessive fees and maintenance that I was charged. I have now retired and am XXXX and I can't continue making these extra fees. I would like an investigation into this and I would appreciate any assistance you could provide. Thank you!
Consumer complaint received 2023-03-24
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. (NV)

My name is 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 reportsno consent is fraud. Please delete the accounts below : 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 2022-10-13
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

There is incorrect information reporting as my addresses and name on my credit report, I like to have removed as soon as possible. I am attaching my driver license for verification of identity. My name is only spelled one way so the only name that should be in my report is ; XXXX XXXX and the only address that should be on my report is ; XXXX XXXX XXXX XXXX, Georgia XXXX
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION (TX)

I have my Social Security direct deposited to my checking account by ACH at UMB Bank NA, XXXX MO. The bank puts a 5 day hold on it. It is my understanding that deposit crediting rules state that I am supposed to get credit the day following the depsit ( not after a 5 day hold ). The bank 's response was that they do not review ACH deposits and therefore put a 5 day hold on all of ACH deposits. I don't believe that just because they don't want to take the time to review ACH deposits, they should be allowed to disregard deposit crediting rules.
Consumer complaint received 2023-03-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (UT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX acquired alleged debt for a credit card opened in 2016 from XXXXXXXX XXXX. They then sued me through XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. 

I contacted XXXXXXXX XXXX, both their collection department and fraud department who did not have any account history to tie back to my personal information including my Social Security Number. 

< Summary of CFPB Complaint - Unvalidated Debt Collection Attempt by XXXX, Cavalry Debt Collection, and XXXX XXXXXXXX XXXX XXXX Summary : This summary serves as a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the improper debt collection practices of XXXX, Cavalry Debt Collection, and XXXX XXXX XXXX. The parties in question have made attempts to collect an unvalidated debt, which is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Act ( CFPA ). 

The aforementioned parties have engaged in the following unlawful practices : Attempts to Collect Unvalidated Debt : Despite the consumer 's repeated requests for validation of the alleged debt, XXXX, Cavalry Debt Collection, and XXXX XXXXXXXX XXXX have failed to provide proper documentation to confirm its validity. 

Harassment and Unfair Practices : The consumer has been subjected to frequent and aggressive phone calls, as well as threatening and misleading correspondence, in an attempt to coerce payment for the unvalidated debt. 

Infringement of Consumer Rights : By pursuing the collection of unvalidated debt, the involved parties have violated the consumer 's rights under the FDCPA and the CFPA, which require debt collectors to validate debts upon request and abstain from unfair, deceptive, and abusive practices. 

As a result of these violations, the consumer has suffered emotional distress, financial harm, and damage to their credit score. The complainant requests the CFPB to investigate the matter and hold XXXX, Cavalry Debt Collection, and XXXX XXXXXXXX XXXX  accountable for their unlawful practices. Furthermore, the consumer seeks the cessation of all collection attempts, removal of any negative credit reporting related to the unvalidated debt, and financial compensation for damages incurred.
Consumer complaint received 2022-09-27
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. (IL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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