davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This JEFFERSON CAPITAL SYSTEM account with a balance of {$240.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2022-05-14
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. (PA)

n 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2022-04-14
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. (TX)

On XX/XX/2020 XXXX XXXX has been absolutely destroying my staggering reputation by reporting false information for years. I have reached out to them numerous times about this situation. XXXX XXXX Still hasnt fixed there mistakes. In accordance with the fair credit act XXXX XXXX Account # XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX has used my report improperly for long enough XXXX already deleted this account from my report now its Experian XXXX XXXX still reporting false information for years.
Consumer complaint received 2022-04-05
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: Paramount GR Holdings, LLC (NC)

Loan pal will not remove my info from my credit report. This is my wife only account. 

I never gave loanpal my consent. As you can see these loan documents do not match.
Consumer complaint received 2022-04-05
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. (PA)

This is a complaint against timeshare XXXX XXXX. I've dealt with their employees whom I can't remember the names of, they have my ID during this time, they all claimed to not work on commission and to be something other than a salesperson. They told me I can definitely make money from this timeshare such as earning rental income, they said I can rent it out ; they also said it had some tax benefits or I can also make money if I re-sell it because according to them, the resale value would go up. Everything were just lies. They also lied about maintenance fees, they told me at some point that I will never have to pay maintenance fees again, convincing me that it was actually a good financial investment. They promised things would be positively different but each time things just keeps getting worse. I felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. They had me in the meeting longer than what they said it will be. It was supposed to be 45 minutes but it turned and cost me almost 3 hours of my vacation. I was never made aware of all the fees involved. I didn't know how to cancel, they never properly educated me regarding their cancellation process, like how many days to cancel and such. I even requested to cancel but never received help from them. This timeshare is just a financial burden that I really can't use, which was different from what they made me believe it would be, using false and misleading statements in order to convince people, it's just plain fraud. They lied and take advantage of people, coercing, convincing us with enticing unreal sales tactics. I was simply defrauded by them.
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NY)

Resurgent Capital Services I contacted them by phone told me that my account from XXXX XXXX  is past due and is being reported as a open account also when I contacted them a rep of there company said the account can be recalled and a law Suit will be filed against me damaged to My credit can continue till 10 years they also reported a date when they first taken the account not from when the account was first delinquent which as part of the laws of fdpca is a violation
Consumer complaint received 2022-04-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp (NY)

I opened two accounts based off the high interest the bank offered for balances above {$2500.00}. When I opened the accounts I only had the option to transfer up to {$500.00}, so I did. Once the account was opened I wanted to transfer $ XXXX into one and $ XXXX into the other but the bank has a {$5000.00} a day max transfer policy. If you do the math to move $ XXXX in $ XXXX increments you are talking over 63 days to transfer the funds plus I get cheated out of the interest they advertised. 

Another issue is unbeknown to me they installed tracker software to pull my XXXX  checking, savings and mortgage balance information into their website so it shows up on a dashboard on their site. I found out the tracker and blocked it but the dashboard still has my XXXX  information.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

XXXX XXXX XXXX XXXX in saying I owe money that I do not. I signed up for service from XXXX in XX/XX/XXXX. I transferred my energy bill from an apartment on XX/XX/XXXX to a new address. The plan never should have changed, just transferred service but approximately 9 months into service at the new address, my bill was consistently increasing. I called multiple times to inquire why my bill was changing. In XX/XX/XXXX they told me the bill would be an average based on the usage of the home from the previous year. I explained to them that I had not lived at that address the prior year and that the property had been vacant for over a year so that information would be inaccurate. I was never late with a payment during the entire time I had my account for over 3 years. I made repeated attempts to contact XXXX to ask why my bill was so inconsistent. Every time I was told it was taken care of, that there was an error with the billing. 

I moved out/vacated the new address on XX/XX/XXXX & canceled service. The last billing cycle I am responsible for is XX/XX/XXXX to XX/XX/XXXX which I paid the amount due of {$250.00}. I was sent a bill showing I owed {$740.00} for " Balance Due for Billing Plan ''. I called and was told it was for Deferred billing. I have no idea what Deferred Balance is or what it means and I never signed up for that. I repeatedly called to ask about it, to dispute it, to tell them that was not correct. The error in billing is on XXXX end. I do not have phone records of my attempts to resolve this, only 2 conversations via chat helpdesk showing my attempts to get this resolved. I was unemployed for most of the pandemic in XXXX but always paid my bills in full and on time.
Consumer complaint received 2022-04-05
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. (FL)

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with " DPT EDXXXX '' and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 


DPT EDXXXX XXXX Balance : {XXXX} DPT EDXXXX XXXX Balance : {XXXX} DPT EDXXXX XXXX Balance : {XXXX}
Consumer complaint received 2022-04-05
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-14
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  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.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Neon Newco Corporation (NJ)

XXXXXXXX XXXX close my account without prior notice and send me email stating for me to call them that it's very important. Once the informed me that my bank account was closed and asking why their told me that I was high risk. I stated that my payroll will be deposit on XX/XX/2022. I ask to speak to someone in management I am waiting almost one hour to speak too someone, and final told me that can not re-open my account because risk management told them to close it. However, explained to them my check will be rejected and sent back to XXXX. Also, XXXX allows payment to go through too a company that got paid already twice.
Consumer complaint received 2022-06-09
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. (WA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX and XXXX 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, also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

I had all of my accounts restricted due to having someone send a transfer from their account to mine. I have reached out to NFCU more times than I can count over the last 2 years about getting this issue resolved. Originally, they told me they needed verification of the transfer, in which she called NFCU to verify as well as NFCU contacting her bank to verify. From there they kept telling me that the funds would be released soon. Finally, they told me about 4 weeks ago that they would release the restriction and give me access to all of my accounts and money once my negative balance in one of my accounts was settled. This negative balance was an error on NFCU end, in which I did an appeal for the money due and they finally restored access to my bank card and online access. They restored access to all of my accounts with them except my account with the funds that I had received. I asked them to close out the accounts with XXXX balances, which they did but I have still yet to receive access to my account with money or to the money at all. Over the last 4 weeks they have been telling me that the money would be available to me " soon '' and that it is processing, but it has been around 2 years with them telling me the same thing and coming up with another issue to not have access to my money. I asked them to transfer the money to my joint account which has not happened. Anytime I call they say the money is processing and that they don't know why it is taking so long and to come in in 2-3 days. I have been told to just wait and follow up every time I speak with them with no clear answer as to why I still do not have access to my funds.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received a suspicious letter on Kohl 's letterhead. The letterhead looks like it was scanned ( i.e. fake ) and the address is not the correct Kohl 's HQ address. 

The letter had my name, address, and last digits of my Kohl 's credit card so I suspect that my information has been hacked from the Kohl 's computer systems. The letter threatens to cancel my card unless I send my social security number to a po box in Wisconsin. The letter references the Federal Equal Credit Opportunity Act. 

I called Kohls to report incident. Customer Service did not seem concerned and actually sang to me. I tried to report to Kohl 's HQ and it looks like they deleted my report.
Consumer complaint received 2022-04-05
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. (OH)

I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to CLARITY and there is no third party involved. CLARITY has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. ( EXHIBITS PROVIDED ) I ALSO, DEMAND THE CLARITY VERIFICATION METHOD. WITHOUT RECOURSE. 
I HAVE WRITTEN YOU ONCE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.
Consumer complaint received 2022-04-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MD)

We ( XXXX XXXX XXXXmyself and XXXX XXXX XXXX my daughter ) opened two separate saving accounts with Citi Bank via phone ( last week of XX/XX/XXXX ). We instructed Citi Bank to withdraw {$50000.00} each from our joint account at XXXX  XXXX XXXX XXXX XXXX ( XXXX ). Note that we had sufficient funds ( $ XXXX ) to process this transaction. ( we have sent the proof to Citi Bank ). Citi bank sent two requests to our bank XXXX to transfer $ XXXX each to our new account. XXXX told us that Citi sent two duplicate requests. ( The request came to two counts of $ XXXX each to transfer to Citi bank in the name of XXXX XXXX. Citi should have sent two requests $ XXXX each one for XXXX XXXX and one for XXXX XXXX ). Since it was duplicate request, XXXX rejected one of the request and transferred $ XXXX to Citi bank. XXXX sent $ XXXX in the name of XXXX XXXX. Citi Bank credited $ XXXX to XXXX XXXX 's account, instead of XXXX XXXX 's account. Citi bank sent us a letter that my account ( XXXX XXXX XXXX is closed because of a fraudant activity ( XX/XX/XXXX ). On XX/XX/XXXX I deposited $ XXXX to my Citi account. It has been more than 4 months, I sent numerous emails to Citi bank to let me know what the reason of closing my account and refund the money. So far Citi bank hasn't sent me the details of the issue and also hasn't refunded money ( $ XXXX ). 
The issues are : 1. Citi bank credited $ XXXX to the wrong account ( the money should have been gone to XXXX XXXX 's account, not XXXX XXXX 's account ) 2. There is no reason that Citi bank should closed my account, as I had sufficient cash to fund 2 new account $ XXXX each. It was Citi Bank 's mistake to send a duplicate request. 3. Even after closing the account, Citi bank hasn't refunded the money back to me. 4. Citi bank should send me details why $ XXXX was deposited to XXXX XXXX 's account, not the XXXX XXXX 's account. 5. I opened this account in response to Citi bank 's reward program. Since it is Citi Bank 's mistake, Citi bank should still credit this award to me, along with refunding $ XXXX and the closing balance. 6. A penalty should be imposed to Citi bank, causing this mistake and wasting their client 's time and efforts and not refunding the money back to the client in a timely manner. 
I have sufficient documentation to support above details.
Consumer complaint received 2022-04-05
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I requested Capital One investigate fraud charges and remove late payments on my credit report caused by these fraudulent charges which I reported to them over the phone. The call was recorded and the agent on the phone stated that as long as I write a letter these late payments would be removed from my credit report. The following letter was sent to Capital One in XXXX and I was never given a response. 



Attached Letter : I am writing to request Capital One to send notifications to credit bureaus to assist in dispute of payment delinquency caused by fraud charges. 
XX/XX/2022, I noticed an email which stated I was late on a payment, so I paid it. I was surprised to see I had a payment due for that card because I hadnt seen it in a while, but I got busy with XXXX coming up and didnt feel like looking further into it. I was going over my finances on XX/XX/2022 and looking at the charges from this account. I didnt recognize any of the charges and I havent used that card in a long time. Due to the initial fraud charges, I wasnt aware I had to make a payment due to these fraudulent charges and as a result I incurred a delinquency on my credit score. 

Please see the following fraud charges which caused the delinquency : XXXX XXXX, XXXX  XXXX  XXXX XXXX  {$14.00} XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX XXXX {$77.00} Please remove the late payments from my credit card report. See attached copy of my credit report where Ive highlighted the errored delinquency.