davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission : 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 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 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 an 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 2023-01-19
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: VYSTAR CREDIT UNION (FL)

ATTENTION : C.E.O. of Vystar Credit Union XXXX XXXX XXXX XXXX XXXX, FL XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2022 CEASE AND DESIST NOTICE To whom this may concern, I was looking through my consumer report and noticed that an account with the account number listed XXXX is furnished by Vystar Credit Union on my consumer credit reports, as a charge off inquiry. Vystar Credit Union cant report something as both income and debt. 
Its illegal to furnish income on a consumer report, A charge off according to the Internal Revenue Service is income and Vystar Credit Union must fill a form 1099-C ( please provide me with a copy ). 
Vystar Credit Union has furnished a deceptive form to create a false belief in me as a consumer by reporting information that resulted in defamation of my character, creating a false impression that I was unable to pay the alleged debt. 
Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against. 
Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. 
I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. 
This includes eliminating our account from your records, discontinuing and retracting reports to all credit reporting bureaus, and ceasing all communications to me by mail EXCEPT to resolve this matter. Please write me at the address listed on how you plan to resolve this matter no later than 30 days after receiving this letter via certified mail receipt. 
I hereby grant your company, the opportunity to remedy this matter by doing the following : 1. Deletion from all consumer reports.

2. Provide Copy Of 1099-C form If you accept my request, I will not escalate matter to Federal Court or Complaint. In case, you dont accept the above requests, legal action will be taking against your company for compensatory damages. 

Kindly govern yourself accordingly. 
Respectfully, Without Prejudice, XXXX : XXXX
Consumer complaint received 2023-01-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

On my Equifax Credit Report, I have been disputing the XXXX XXXX XXXX ( XXXX ), account # XXXX, amount {$610.00}, for close to 12 months now due to inaccuracies and incompleteness. First, despite three certified validation letters to XXXX, they have not validated nor provided me with any evidence from the original creditor that they own this account. On the Equifax credit report, I have sent over five certified letters ( attached with the account highlighed in yellow ) to Equifax regarding these inaccuracies and incompleteness but they continue to report these errors and absences. I have attached my most recent Equifax credit report ( XX/XX/2023, Confirmation # XXXX with exhibits XXXX XXXX {$610.00} and XXXX  XXXX {$610.00} ) as evidence of these FDRA violations and that these problems have not been corrected : 1 ) the Date of Late Payment is missing, 2. ) the Date of Last Activity is missing, 4 ) the Charge Off Amount is missing 5. ) the Close Date is missing, and finally 6. ) while the account is said to be in collections, the Payment History indicates that the account is checkmarked Paid On Time every month it has been reported!
Consumer complaint received 2016-02-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Since XX/XX/XXXX I have had a mortgage loan with Bank of America. On or around XX/XX/XXXX I contacted the bank to request a lower interest rate and the bank indicated that my only option would be to refinance. I submitted my application at that time with the bank 's offer to reduce my APR from 4.785 % to 2.785 % and our monthly payment from {$770.00} to {$580.00}, however, after more than two months of requesting an excessive amount of documents, XXXX different loan officers, and a {$470.00} application fee, the bank decided to close my application because of " Excessive obligations in relation to income '' and I was told that I would need to start all over if I wanted to apply again. The refinancing was based on my income alone, same as the original loan, however, my wife worked and continues working full time as a teacher, nearly doubling our household income, both of us have excellent credit and have not missed any payments.
Consumer complaint received 2015-08-24
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I paid the balance In full via telephone, and got a confirmation number for the transaction. 
Bank of America acknowledges receiving the payment but to date the payment has not been posted. 
BOA can offer no explanation why my account has not been credited, even though mychecking account has been debited and my bank has provided documentation that the funds were sent to BOADate of payment - XX/XX/XXXX/15Representative - XXXX XXXX
Consumer complaint received 2023-01-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I sent a letter to all 3 credit agencies XXXX XXXX asking them to provide the date of delinquency for an old XXXX XXXX account. I asked them to provide this information because XXXX XXXX XXXX is showing a recent delinquency ( {$3400.00} ) for that same account in XXXX. In essence, they have re-aged the debt which is illegal. 

Equifax provided a date of first delinquency in XXXX. The account was opened in XXXX. However, they are still allowing the Collection Agency to reflect a more current date. XXXX and XXXX did not provide me with the first date of delinquency, rather they are just reflecting the incorrect date from XXXX XXXX XXXX. XXXX XXXX XXXX has not responded to my inquiries. 

Essentially, re-aging an account means that a debt states differently than the original date of the first debt. If there is a different date ( meaning it has been changed ) it is an illegal practice of re-aging. Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ). 
I want this re-aged debt entry removed from my credit reports.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AZ)

Wellsfargo called me twice on XXXX and I missed those calls. They called me again on XXXX around XXXX in XXXX  and I answered. She said she was calling from the Wellsfargo fraud department and that someone in XXXX, XXXX  was using my bank information to make purchasesone was pending for {$1200.00} and XXXX was pending for {$320.00}. The number was identical to the number on the back of my debit card. She told me she needed me to follow some steps to correct this if it was indeed fraud activity. She asked if I had recently travelled or given my bank account information to anyone. I said no. So she sent me a security code to verify my account. Then sent me a link to log into my account and thats when all of a sudden, I was enrolled in wiring, she added a recipient by the name of XXXX XXXX which I have no idea who that person is and wired {$11000.00} from my savings account. I was sitting in branch at the closest Wellsfargo within XXXX min of getting disconnected from this person who claimed to work for Wellsfargo. I told them that I did not authorize this wire and that I was never notified to give authorization for this wire. I called Wellsfargo today because I have not received XXXX follow up phone call on an outcome of this claim and they told me that they closed the case and that I will not be receiving my money back because I authorized this wire from my device. This is such a scam and it cant possibly be that easy for someone to steal all of my money from my online banking account. I want my money back now. I am recently widowed with XXXX small kids that I need to care for. Wellsfargo has insurance that protects my money. Why arent they using it to get my money back? This is not right that, I the consumer, should have to suffer because of an inside job with wellsfargo and because wellsfargo doesnt have the proper checks and balances in place to stop a fraudulent wire within minutes of it being initiated. Please make this right. I have hired an attorney and will go to great lengths to get my money back.
Consumer complaint received 2023-01-18
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. (UT)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 fumish a account without my written instructions.
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (NJ)

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On CopyXXXX XXXX, Attorney General, and FTC
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I signed up for a Capital One XXXX XXXX card on XX/XX/XXXX with a promised {$300.00} " annual '' travel redeemable through their online travel portal. ( I spend XXXX a month on Capital One cards, with always paying my bills on time. ). I was planning on using that credit now. They told me on the phone, earlier in the year, that the credit expires on the anniversary of my receiving the card, ( and so it seems online too ), so I made a note for myself in my calendar to spend that {$300.00} before my anniversary date. 
On XX/XX/XXXX, for an upcoming trip, I tried to book a trip through the travel dept. to and spend that credit ( before the anniversary date ), and I decided to triple-check with the company that my year had indeed not come to an end. But, after giving me conflicting opinions and spending an hour+ on the phone, they are refusing to honor the credit! Capital One is saying that the " year '' for my credit is determined by when the annual fee generates, which was on XX/XX/XXXX - almost a month PRIOR to anniversary date! 
It seems impossible that an annual credit can be valid for only eleven months. It seems to be totally dishonest and unreasonable for a customer who is pending {$390.00} to hold this card, to be expected to know that the credit expires on a totally separate " anniversary '' date that they were told earlier! I, as an outstanding customer, should not have to spend hours and jump through all these hoops just to receive something they promised. It is now a real matter of principle for mas as they are taking advantage of unsuspecting customers. For shame.
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Rights of note holder. Regulation A.B Legal Proceeds, purported violations, UCC unlawful acts, Security Precaution as well as Security fraud. Causing aggrieved party from Rights, Knowledge, mutilated note and misleading practice to holder, reason why i've choice to opt out of any and all authorization i might have giving written unwritten verbal and or non verbal. per 15 U S C 6802 and Privacy Act Act of 1974. TILA.
Consumer complaint received 2024-10-12
Product: Credit 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: JPMORGAN CHASE & CO. (MD)

Chase bank security called me and stated they had charges to a credit in XXXX for XXXX dollars. Also another one for XXXX XXXX dollars at XXXX in XXXX. They had my SSN. They told me to call this phone number first, XXXX. I called and it did not sound like chase security. They tried to transfer me to your agency. I asked them for the number and they gave me this number XXXX. I am not sure if this is a scam or real. I did call Chase Customer service and they said I have no open credit cards with them except for XXXX XXXX which there was only 1 charge that I made. Please help, i do not know what to do. They also gave me a case number of XXXX.
Consumer complaint received 2023-01-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (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. 
XXXX  Account # 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 2023-01-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, 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. 
XXXX Account 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 2023-01-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-02-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Whom It May Concern, I have tried to fix this issue with my credit report with Transunion, XXXX and XXXX. To no avail even after I sent in my FTC report and Affidavit, I complained to the XXXX XXXX XXXX  Now my only resort is to file a complaint with the Attorney General 's office and the CEO of Transunion, XXXX and XXXX with how their companies continue to break laws and my XXXX rights! I have sent in XXXX letters ( multiple ), FTC reports, Affidavits and more XXXX letters to have the inaccuracies, fraudulent accounts and inquiries removed/blocked from my credit report. I have added fraud alerts to all XXXX bureaus. My name is XXXX XXXX and no other names should be on my report! 

This is my last attempt to have this corrected and I will be suing Transunion, XXXX and XXXX. 

I have requested that you correct the payment history on my CREDIT ACCEPTANCE - Account XXXX ( I never once paid late ) correct this asap! XXXX - account XXXX also needs to be removed from my credit report! That is an unauthorized account! Respect my XXXX FCRA laws, I know and you know that all fraudulent accounts must be blocked within 4 days of receiving this XXXX notice. I am sick of your XXXX and stalling tactics! You actually wrote to me saying that I did not authorize you to correct my report! I, XXXX XXXX, am giving Transunion, XXXX and XXXX XXXX to correct my got XXXX credit report! I have attached all the documents! I have also attached my social security card, government issued ID, my proof of residence ( my health insurance ), and whatever else is needed!
Consumer complaint received 2022-02-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

I received payments through XXXX money transfer, as it was an easier option and a service I trusted. I received the money over the course of XXXX days, XX/XX/2022 to XX/XX/2022. The amounts were {$950.00}, {$600.00}, {$500.00}, {$750.00}, {$450.00}, {$500.00}, and {$300.00}. I was assured that XXXX payments are not refundable and it can not be reversed. I was surprised to see that the amounts were reversed and it was taken from my account. I was not notified and was not made aware that such claim was filed against me. I just saw the money was taken from my account and was given no further information about the case
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (AL)

On XX/XX/20 I checked my account as usually and it started I had XXXX available credit. I paid everything off the previous month so I knew this was incorrect. I called the company and input my information and the automated system said the account was closed. I called back to speak with a rep and I was told they couldn't tell me why the account was closed and that they will not reopen. This is very unfair. I received no letters or anything. I did notice them checking my credit unauthorized and they kept dropping my credit limit. It went from XXXX to XXXX in a matter of months.
Consumer complaint received 2022-02-02
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.