davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hello, I want to submit a complaint because Citi bank closed my credit cards, they have requested XXXX form from me and told me that they processed it and couldn't verify my information. I believe there was an error on their side, I ask you to help me. I used my cards with no problem, I made all my payments on time, then suddenly they requested this information and I sent it to them. They state that they processed it and weren't able to verify information. I have reasons to believe that they either didn't process them accurately or there was an error on 3rd party side. I request them to allow me to resend that document and reprocess it and reopen my cards, because the answer they gave me is weird. There is absolutely no chance that they couldn't verify my social security number unless there was an error.
Consumer complaint received 2023-05-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-08-29
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent a letter to Experian on XX/XX/XXXX requesting to investigate and verify the Accuracy of the accounts on my Credit Report. The account below is reporting erroneous information on my File. Despite the previous written requests sent to Experian, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting this account as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Experian to investigate the erroneous account and have it corrected. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXXLate/Closed Late Date XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

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 2023-05-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Couch Lambert LLC (AR)

This account was from XXXX XXXX which was discharged in a class action lawsuit against XXXX XXXX in XXXX. When the original debt was initiated I contacted their Arkansas law firm an worked out a deal to ay off the amount at {$5100.00}. I contact that firm, they asked for an explanation and if I objected to a plan. That's what we agreed too. When XXXX of XXXX came I contacted the firm again and let them know, per their advice, I reached out to XXXX  with a settlement request that I emailed, per the firms instructions, in an attempt to pay this debt off. The firm never responded to any communication from me. We were later notified that this debt was not to be collected on, reported to the credit bureau, or any negative items placed in public records because of the class action suit. The Arkansas firm, I contacted once more, to see if there was an agreed upon amount. Once again I received NO response from the Arkansas firm. Then in XXXX of XXXX I get notification from the firm in LA that there is a garnishment order against me. I called the debt collection office and asked to settle the debt, they asked me how much, I told them the original agreement was for {$5100.00} with the Arkansas firm that I'd not heard back from and since this was their partner in AR I'd like to just go ahead and pay off the original {$5100.00} debt and be done with it. I also asked for verification, from XXXX XXXX  of this debt to be sent to me, on XXXX XXXX LETTER HEAD so I could see the breakdown of the debt and what they were wanting me to pay. 3 times I requested that from the law firm/collection agency and all three times the only thing I received from them was a " Summation of Charges '' they sent me on their own letter head. I made the offer to pay at {$5100.00} and they refused stating that they had a judgement against me and that they wanted the entire {$8800.00}. I asked why we couldn't pay the agreed upon amount of {$5100.00} and I was told because the attorney wants all the money. I even asked for a payment record of what payments I had made on the account, several times, and not ONE TIME was I even sent any type of verification or record of payment on the account by the firm. When I called today to pay off the debt, they told me that they took credit cards and debit cards, I offered a debit card the man said he couldn't take it? I asked how they'd like for me to pay this he made me do a check by phone. I asked for a receipt of payment today to so the debt was paid off, they refused and told me that I would get a letter stating it had been settled in 25-30 days. That was the end of the conversation so I paid the amount off and hung up on them.
Consumer complaint received 2022-10-22
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)

I would like to place a formal complaint against Equifax for violating my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : Public Record - XXXX XXXX Bankruptcy - Reference # XXXX. 
Equifax said they verified it but I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Equifax is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete this public record from my report is a clear violation : Public Record - XXXX XXXX Bankruptcy - Reference # XXXX. 
Code 1681n - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. It is unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.
Consumer complaint received 2023-05-04
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)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2022-12-16
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: EQUIFAX, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XX/XX/XXXX {$27000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXXriginal Creditor : XXXX XXXXXXXX ) XXXX XX/XX/XXXX {$520.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$790.00} XXXX XXXX XXXX XX/XX/XXXX {$260.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-16
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. (LA)

XX/XX/2022 XXXX Acccount XXXX Your company is in clear violation of the law. Under XXXX5 USC 168b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) and consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( XXXX  ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, The FCRA 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( XXXX ) Exclusions -- Except as provided in paragraph XXXX, the term consumer credit report include -- ( A ) Subject to section 1681s-3 of this title any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Delete the above late payments from my consumer report this agency is in violation of 15 USC 1681 ( 2 ) ( a ) ( i )
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX has submitted XXXX late payments on my loan account in error. We were denied us of our vehicle and service contract and the late payments were XXXX by there error on a breached contract. The late payments need to be deleted by XXXX XXXX or a lawsuit will be filed against the XXXX credit reporting agencies directly and they can fight it out with the bank in court amoungst yourselves. 

To note this case is not in litigation. Has NEVER been In
Consumer complaint received 2024-12-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (MD)

XXXX XXXX sunrise credit services i did speak to someone about this being on my credit report i let them know i have no knowledge of this accounts and i also asked for a wet seal letter and was denied, and they also try to get me to pay them to dispute other items off of my credit report
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

Experian dupped me into creating a free account with them when I tried to freeze my credit report. Now, they continually send me spam emails under the guise of sending me account information without any ability to unsubscribe. Additionally, there is no readily available or easily findable way to cancel this bogus required account. I should not be forced to have an Experian " account '' in order to freeze or unfreeze my account so that they can justify sending me spam by saying I have an account with them. Please help me stop receiving Experian spam emails. Please make them include an unsubscribe link on every email they send that makes it easy to unsubscribe from their spam. 
Thanks.
Consumer complaint received 2022-10-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Zip Co US Inc. (MO)

Around XX/XX/22 I reached out to Zip Co ( Quadpay ) via the chat feature on their website to stop making attempts at debiting my credit card on file. I received no response. On XX/XX/22 I called the customer service number at ( XXXX ) XXXX to revoke authorization for them to debit my card on file. I spoke with XXXX  in their overseas office who told me she could not stop debiting my card, I asked to speak with a supervisor and she hung up on me. I called back and got XXXX  in the overseas office, I explained that I had just gotten hung up on and told him I needed to stop the auto debits. XXXX  argued with me, told me there was nothing no one could do, I begged for a supervisor and XXXX  hung up. I called back, XXXX  answered and recognized my voice and hung up on me again. I called back, spoke with supervisor XXXX  in the overseas office who was nice, but also stated she can not stop the payment.
Consumer complaint received 2024-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My identity was stolen back in XXXX and again in XXXX during the pandemic. Since then Ive been having inquires and accounts that I have no knowledge of appearing on my credit report. Ive applied a police report and a credit alert with all bureaus to my credit again on and Im still seeing unauthorized inquiries on my report. Its unfortunate that my identity has been leaked because I do own some of these accounts, but Im not the one authorizing use if my credit so its been difficult to keep up with the fraudulent activity these days I recently unfroze my credit for a new cell phone line and Im thinking thats the reason.. hoping for you to please help investigate and remove all unauthorized inquires and credit cards I have listed from my credit report immediately. The accounts in questions are XXXX XXXX XXXX XXXXXX/XX/XXXXInquiry : XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX
Consumer complaint received 2023-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

In XXXX I lost my job and contacted Wells Fargo that going forward I would have problems paying my mortgage. They suggested a Loan Modification, which I followed their advice ... ... ... ... through their bank channels. The entire process took 8 months to complete ( XXXX ) and during this entire lengthy process the delays and disruptions in the whole process was a cause for concern.I had been making my interest and tax payments through the whole process, never missed a payment. 
My main concern was when this process was completed {$35000.00} was added back onto my loan ... ... ... ... ... ... .of which to this day, I will never be able to figure it out. ( was this principal, interest, fees, charges etc.? ) I do not really know The loan has since been closed out through the sale of my home in XXXX so all of that was paid for ... ... ... ...... 
I believe that I might be a candidate for part of the illegal activity that was going on with Wells during this time and has now been penalized for it by you.

I am writing to you for some help because I have called and no one can tell me why I have not received a letter from them re : my old mortgage loan.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, Today, XX/XX/XXXX of 2023, I checked my Bank of America accounts online, and found out there was a charge to the joint account ending XXXX {$8.00} by XXXX XXXX. I asked my son regarding this charge he told me this charge was meant for anime subscription ; however, as you can recognize it on the printout, the merchant category of your bank record said, digital goods, games. Unfortunately, the conversation with my son was performed by text message of my old phone ; therefore, it is impossible to provide the printout. After my question to him, where did you get that company information, the message had stopped with my son. Upon the request of my complaints and disputes, the XXXX XXXX XXXX had already refunded the charges made by XXXXXXXX XXXX  for XXXX months totaling about {$48.00}, I seriously consider this charge to my Bank of America debit card must be illegal and fraud. For these reasons, I request the refund of {$8.00}. 

Sincerely,
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.