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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated, my rights. 

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

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a 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 late for purpose.
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against MRS BPO LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in XXXX XXXX. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until MRS BPO LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MRS BPO LLC, continues its collection efforts, I will file for litigation for actual damages caused and MRS BPO LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required
Consumer complaint received 2020-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (SC)

Hello, I booked a trip through XXXX the trip was scheduled for XXXX XXXX XXXX and was canceled by XXXX  itself due to the Covid 19 Pandemic on XX/XX/XXXX Since the cancellation of the trip I have been trying to get in contact with XXXX  with no success because they have shut down their facilities and not responding to anyone. I have also filed a dispute/claim with my bank in which I have been denied and was told they are still waiting on the consumer ( XXXX ) and that they have 120 day window to return a response. I called my bank again to do a follow up on XX/XX/XXXX and was told I have to wait until XXXX opens back up to talk with them about my refund but I do not see that happening in any way. There have been several other fraudulent activities with XXXX   as well as my own. I have filed a police report with the XXXX XXXX police department for the return of my funds as well.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX  Card Services ( " XXXX  '' ) engaged in aggressive behavior which greatly impacted my credit score preventing me from obtaining a favorable interest rate. In preparation of obtaining a car loan, I issued a payment for {$7500.00} to pay off the card on XX/XX/2023. My credit limit was {$7900.00}. On or about XX/XX/2033, I made a purchase on {$710.00} on the credit card. Without any warning or valid reason, XXXX  reduced my credit limit to {$800.00}. This immediately impacted by credit score since it showed a maxed out credit card on my report. I immediately paid off the card for {$710.00} near the same time. After multiple calls, my credit report still has not been updated.
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (MI)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am refiling this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. Thank you for your attention to this matter.
Consumer complaint received 2020-06-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (MN)

The following Citi Checking Account ending in : XXXX is a fraudulent checking account and debt of {$750.00}. I never applied for the checking account, and the checking account and debt is fraudulent and dont belong to me.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. DEPT OF ED on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (VA)

On XXXX of XXXX, I got a call from Chime Financial at XXXX XXXX. They asked if I tried to use my card ending in XXXX at XXXX, and XXXX in Florida. I said NO. They proceeding to tell me they see someone else is logged in my account and that we need to change my log in and password to prevent anyone else from doing any more fraudulent transactions. So the chime representative proceeded to send me a text message for me to tell them the code that was sent to prove it was actually me. They also sent an email for me to click the link to proceed with changes. I was on the phone with who I thought was a chime representative for 45 min 17 seconds. Before the phone call ended the chime representative said to wait an hour before logging back in. That 1 statement is when I realized something was not right with that phone call. I immediately logged back into my account and saw that XXXX was transferred from my savings to checking and 2 transactions from XXXX XXXX XXXX were made. I immediately called chime back and put in the disputes for both transactions. I went to XXXX, VA police department got a report made. The police report number is XXXX. I sent chime a screenshot of the phone call that chime called me at XXXX XXXX, screenshot the text messages, and the email from who I thought was a chime representative. The disputes were DENIED today. I called chime back this morning and had the disputes re-opened. I have gone with NO money since this happened. They are supposed to ensure my money is protected. I am a XXXX veteran. I am so hurt and angry that money has not been returned. Im hoping the word gets put out about this SCAM so it does not happen to ANYONE else. Please help me get the word out and get my money returned. 
Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-07
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
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: NAVY FEDERAL CREDIT UNION (FL)

I did not give access to my credit to XXXX, XXXX, And XXXX and they have access my credit without my permission they have also given away freely reports of my credit. if not corrected | will have to seek restitution Under 1681n. Civil liability for willful noncompliance ( a ) In general Any person who wilful 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} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 





Account number XXXX Account number XXXX
Consumer complaint received 2023-03-25
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. (NJ)

To whom it may concern : According to 15 U.S.C 1681 ( 4 ), There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 15 U.S.C 1681b, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1681c, Except as authorized under subsection ( b ), 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. With that being said, there is no such thing as public information. The consumer has the right to privacy. If I don't want something on my credit report, it doesn't need to be on my credit report because I have the right to privacy. The following is a list of accounts that violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX ; Account # : XXXX, XXXX XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  ; Account # : N/A, XXXX XXXX XXXX ; Account # : XXXX
Consumer complaint received 2023-03-25
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. (FL)

Dear Experian Information Solutions , Inc., there has been a Court order issued to you by the United States District Judge of the Southern District of Florida to forward a copy of this order to you due to the fact, you are a Defendant ( s ) in this case. Upon receipt of notice will serve as I, XXXX XXXX ( Plaintiff ) have complied with the instructions of the Order which is to forward a copy to ( Defendant ( XXXX ) ). In addition, you must comply with all the instructions of the order. See attachments. Best regards. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I purchased a brand new XXXX phone XXXX of last year. I used XXXX financing through XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) to purchase the phone. I did not like the phone so I returned it through XXXX during the manufacturers allotted window. XXXX was late in crediting the account and as a result I was incorrectly assessed late fees. I was sent a letter from collections at XXXX stating I owed money. I was told by XXXX that everything was taken care once I submitted my phone back and they credited the account. After talking to XX/XX/XXXX collections about the situation they told me I had to file a dispute withXX/XX/XXXX customer service, a different office. I filed a dispute in early XXXX. XX/XX/XXXX has reversed the charges because they have sided with me but my credit score was dropped more than 70 points for the unpaid late fees. I called customer service and they told me to file a dispute with the credit agencies and they couldn't fix it despite them reversing the charges. I was incorrectly assessed late fees and then my credit report was hit with unpaid charges after XXXX credited the full amount back toXX/XX/XXXX
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

On XX/XX/XXXX I was notified that I had a late payment with XXXXXXXX XXXX  when I contacted XXXXXXXX XXXX they admitted that they made a mistake when they purchased XXXXXXXX XXXX and that is all automatic payments did not migrate to their system. I was under the impression that my payments to XXXX XXXX are being deducted from my bank account as it was in the past with XXXX that turned out to be not the case on three different occasions I talked with XXXX XXXX representative and they all admitted that the bank had made an error in the reporting but they kept telling me that I have to file a credit dispute with the credit agencies which I did in the credit agencies came back all three of them that the information is correct and the debt was late they never took the time to investigate this simply just reaffirmed the debt on XX/XX/2023 I talk to XXXX XXXX XXXX and her supervisor at XXXXXXXX XXXX  XXXX XXXX XXXX who also admitted that the bank had made an error but she said that she couldnt do anything about it it is now in the hands of the credit agencies. If the credit agencies are reporting false information that is extremely damaging to my reputation and my financial well-being they should be held accountable I would appreciate your help in this matter as my credit score dropped by XXXX points because of the credit agencies actions as well as XXXX XXXX actions
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX I was notified that I had a late payment with XXXX XXXX  when I contacted XXXX XXXX  they admitted that they made a mistake when they purchased XXXX XXXX  and that is all automatic payments did not migrate to their system. I was under the impression that my payments to XXXX  XXXX are being deducted from my XXXX account as it was in the past with XXXX that turned out to be not the case on XXXX different occasions I talked with XXXX XXXX representative and they all admitted that the XXXX had made an error in the reporting but they kept telling me that I have to file a credit dispute with the credit agencies which I did in the credit agencies came back all XXXX  of them that the information is correct and the debt was late they never took the time to investigate this simply just reaffirmed the debt on XX/XX/2023 I talk to XXXX XXXX XXXX and her supervisor at XXXX XXXX XXXX XXXX XXXX who also admitted that the XXXX had made an error but she said that she couldnt do anything about it it is now in the hands of the credit agencies. If the credit agencies are reporting false information that is extremely damaging to my reputation and my financial well-being they should be held accountable I would appreciate your help in this matter as my credit score dropped by XXXX points because of the credit agencies actions as well as XXXX XXXX actions
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I have banked with Wells Fargo for over fifteen years and this is the first time that Wells has let me down. I used my Wells Fargo business card to make a purchase from this company named XXXX out of Colorado in XX/XX/XXXX. After some time had passed, I called XXXX about the product that had been ordered from them and I was told that the product was shipped to the wrong address and returned back to them. i asked XXXX to refund me my money back to my card in the amount of {$160.00}. Of the {$160.00} that was owed to me, XXXX ONLY returned {$120.00} and kept {$35.00} for no reason at all. I filed a complaint with Wells Fargo Claims Assistance Department on XX/XX/XXXX and was issued a claim Number XXXX. After several attempts to get Wells Fargo to get my money back from XXXX, Wells Fargo stated that VISA would need to get the money back since it was a VISA card that was used. Wells Fargo and I had been in communication until I never heard or received any more information as to what was happening to my money until I called on XX/XX/XXXX to only be told that my claim was closed. Wells Fargo didn't stand behind their purchase protection policy to ensure that their customer ( s ) get all their money back from any vendor if the customer did not receive any of their product and in this case I didn't and I want all my money back and not a partial refund.
Consumer complaint received 2023-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (OR)

Back in XXXX of 2020 my credit card # was used to make a purchase to XXXX for {$480.00}. I called XXXX to dispute the charge and they told me I had to dispute it with my credit card company. After disputing the charge with my credit card I figured the whole thing was done. I recently started to receive collection notices from Cedar Business Services for an amount turned over for collections from XXXX. I have spoken to Cedar Business Services in XXXX disputing the the collections attempt. The individual I spoke with referred to an email account used to make the purchase that is not mine, nor is it anyone I know. the address the items were delivered to is not mine nor is it the address of anyone I know. I fully dispute this charge and collections. It is not mine and was not authorized by me or anyone in my household.