davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 XXXX XXXX XXXX. 

Account name : XXXX XXXX # XXXX Account Name : 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 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 2023-01-11
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)

In accordance with the Fair credit Reporting Act the list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights XXXX5 USC 1681 section 602 A, States I have the right to privacy 15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish my written instructions 15 USC 1681 ( a ) ( I ) 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 2024-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MA)

Dear Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NJ)

This account offers reward dollars based on card use. From my opening account to the end of XXXX XXXX I have earned in excess of {$390.00} in reward dollars which had been reported on my online account information. In mid XXXX. I noticed that the amount had been reduced to less then {$25.00}. I have never used or authorized the use of this money to pay balances or be sent to me. I pay my account balance in full every month. I called customer service on XXXX occasions in the second week of XXXX ( I didn't record dates, not thinking the the problem wouldn't be resolved ) Both times the agent would only tell me how points ( dollars ) are earned and credited at the end of each statement cycle. During the second contact I requested to speak to a manager and after I repeated my request for an explaination as to where the missing funs where, she informed me that the matter would have to be refered to an area dealing with rewards and the she would do so and that they would get back to me. I requested a phone number for that area and was told that they would not supply a contact number. The bank advises that all calls are recorded so I expect that you could secure their recording to verify my information. Next I emailed customer service on two occasions XXXX. XXXX and XX/XX/XXXX and requested a detailed accounting to show where the money had gone and also requested information on how to withdraw the funds ; both inquires were answered with a message that did not address the inquiries being made. I could not make copies of these correspondence off of thier website ; hopefully your office can also request copies of these. The online account inromation now shows a total rewards balance of some XXXX dollars. My take away from this issue is that this money is missing and the Banks system is standing in the way of providing any explaintion as to where the funds have gone and why. I will stop short of using the word theft. I would greatly appreciate your agencies assistance in resolving this matter so that I may receive the funds which are mine buy my use of the credit card issued by the Bank. Thank you
Consumer complaint received 2023-01-30
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. (PA)

On XX/XX/XXXX, I went on XXXXXXXX to check my credit report and found a credit card account and an address that was not mine. I called them to file a dispute to remove them off of my credit report. An investigation was initiated and processed with XXXX XXXX and Equifax as well. On XX/XX/XXXX, Equifax completed their investigation and XXXX XXXX completed theirs. XXXX also completed their investigation today XX/XX/XXXX. XXXX XXXX was able to remove the credit card from my report. Unfortunately, XXXX and Equifax are still keeping the credit card on my report saying that everything was verified but I never verified anything and I never owned any credit cards nor have I applied for any. XXXX also removed the address that wasnt mine from my account information but the issue with the credit card still remains. My credit report is frozen and locked so that no one can have access to my information. There should be nothing on my credit report but the closed accounts I have from student loans.
Consumer complaint received 2020-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT PORTFOLIO RC XXXX PORTFOLIO XX/XX/XXXX-XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by  identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this  title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RC XXXX PORTFOLIO XX/XX/XXXX-XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XX/XX/XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-05-01
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. (FL)

Hello I have called transunion and spoke with costumer service they did not take care of this problem with removal of some inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CCS Financial Services, Inc. (NV)

Im unaware of this debt I didnt have an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certified receipt with my name on it with my signature stating I received it.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (DC)

My credit report is negatively affected because the agency XXXX XXXX XXXX failed to warn me that I was owning {$570.00}. I paid off my car loan on XX/XX/XXXX but it wasn't until XXXX of XXXX  that the company informed me that I was behind on the said {$570.00} bill. When I settled my account on XX/XX/XXXX, I was assured that my bill with XXXX XXXX XXXX had been fully paid and that there was no balance. 
I paid off my loan with XXXX XXXX XXXX XXXXXXXX in XXXX  but the credit union waited until XX/XX/XXXX to close the account and reported me to the credit bureau. In fact everything on my credit report is wrong and I want it removed.
Consumer complaint received 2024-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

I have evidence that all my transactions are not fraud and verified over the phone. They then opened unblocked my debit card but continued to investigate my account for suspected fraud. I was told that my account maybe closed by a personal banker Friday XX/XX/year>. That banker is located at a Truist location off of XXXX XXXX XXXX. She also said that if the account is closed that they would continue to process my check and send me a check of remaining funds. The fraud department also kept giving me different answers to the same questions as well. I even spoke to a supervisor who told me to call everyday until this Monday to see if my account has been unblocked. I would hate for my XXXX XXXX XXXX daughter to miss XXXX because of Truist.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

on XXXX, i was visiting a friend at XXXX XXXX XXXX in the XXXX ,  n.y and i was assaulted by an individual that took my money and my wallet. i reported the incident to the XXXX XXXX  that gave me an incident slip # XXXX on XX/XX/XXXX ,2014.A few months later i checked my credit report and notice somebody use my ID to get 2 loans one was from XXXX XXXX XXXX and the other to XXXX XXXX.i have been tryng to get my credit report clean and succeded in getting it off XXXX AND XXXX BUT NOT EQUIFAX.even though i have provided everything they need to delete these accounts to no avail. i need them to verify these accounts by providing me an original with signature my on it as to verify that these accounts are mine. because i never signed any documents.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act ; XXXX, has violated my rights with an unauthorized inquiry on XX/XX/22. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 2023-07-07
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. (IA)

Previously disputed this complaint with CFPB # XXXX asking to verify or delete account immediately as I do not recall having this debt. Results came back as verified stating that account had been opened online and that my personal information had been used and billing statements had been mailed to my address and were never sent back as returned. This is NOT verification at all. 

Credit report is still reporting inaccurate showing a higher balance than credit limit. There is no way that balance is higher than what credit limit is. Account is reporting as CLOSED with payment status of Collection/Chargeoff so their SHOULD NOT be a pass due nor should their be any payment reporting especially using consecutive charge off as a payment method on a dead account. Last payment is inaccurate. This is a total mistake.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

I'm contacting you regarding a matter of concern in my credit file. I've noticed a collection entry from your agency that I was not previously aware of. Moreover, I have serious reservations about the validity of the claimed debt. In accordance with the Fair Debt Collection Practices Act, I am exercising my right to request debt validation. I formally ask that you provide the necessary validation and take appropriate steps to resolve this issue.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (FL)

A Wayfair Credit Card was open in my name on XX/XX/2022. I was unaware until I heard from Wayfair saying that they suspected fraudulent activity. I promptly had the account closed but there was already a {$3200.00} balance on the card. The company ( Citibank ) open an investigation and declared it closed without asking for any additional information info ( other than my DL number ). I called back and it was reopened and then declared closed day later without any remarks. I called back last week and I am currently in the process of filing a police report and providing a copy of my license and bank statement per their request to have it reopened.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION (SC)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency, In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 
Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX PXXXX XXXX XXXXXXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX Account Name : ( Original Creditor : ) Account # XXXX
Consumer complaint received 2020-10-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$1400.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Consumer complaint received 2023-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

I deposited a {$50.00} check on XX/XX/XXXX, and the funds were not available until XX/XX/XXXX at XXXX XXXX. I spoke with an agent and he assured me that I would not have such a long wait time the next time I deposited a similar check. XX/XX/XXXX, I deposited a {$100.00} check from the same party as the previous {$50.00} check. The funds are not available and will not be available until XX/XX/XXXX. 

According to the " Check Clearing for the 21st Century Act '' all checks are considered " local checks '' and has enabled electronic checks rather than paper form to comply with Regulation CC Availability of Funds and Collection of Checks, the Expedited Funds Availability Act and the " Check Clearing for the 21st Century Act '' According to " Reg CC '' any check deposited that is under {$200.00} will be available the same day, Larger amounts will be available by next business day. The two checks I deposited are both under the threshold of {$200.00}. This is a clear violation of federal regulations and causes financial distress on myself and any others that use check deposits.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NM)

Credit Card company charged me interest during the 24 month promotional period, terms were no interest for 24 months but during that time they charged me interest, then changed the terms to 14 months and charged me full interest. My balance was almost paid off with $ XXXX left out of {$3200.00}, this brought my balance up another $ XXXX. They are now charging interest on top of interest on top of interest which were not part of the terms. Credit Card is form the XXXX XXXXXXXX store.
Consumer complaint received 2023-01-30
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. (PA)

My name is XXXX XXXX. I am a victim of identity theft. My consumer report is not in compliance with the Fair Credit Reporting Act 15 USC 1681.