davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. Under FCRA 15 U.S. Code 1681n ( b ) ( 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 number of punitive damages as the court may allow. I did not initiate any of these accounts furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 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. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case!
Consumer complaint received 2019-05-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I was pre-approved for a mortgage by Wells Fargo branch in XXXX, TX, in XX/XX/2019. During the pre-approval process, I submitted all required documents. In XXXX, I signed a contract to purchase a house. After signing the contract, I applied for the mortgage. However, Wells Fargo did not approve or reject my application until the closing date was over and I lost the contract. Since my job, income, residency status, etc were as same as when I was pre-approved, I assume Wells Fargo misleading information about their capability to give me the mortgage caused a very stressful time in my life. 

During one month before closing date, they were saying that they were processing my application. However, as we were approaching the closing date, There was lack of communication between Wells Fargo and myself and my realtor. By wasting time, I lost the chance of applying to other lenders, and it caused me financial loss. 

I still do not know what my application status is. My application page says that I should contact XXXX XXXX XXXX, the mortgage consultant who pre-approved me for the mortgage. However, each time I contact him, He says he does not have an answer. I am also not aware that why Wells Fargo were very slow in processing my application. 

I paid the upfront fee for appraisal once I applied for the mortgage. Wells Fargo still have the money after one month and a half after my application, and they have not returned my money back to my account.
Consumer complaint received 2023-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX Randolph Federal Credit Union Bank XXXXXXXX XXXX XXXX XXXX texas XXXX Subject : Formal Complaint Regarding Refusal to Close Account and Withhold Funds Dear Sir/Madam, I am writing to express my deep dissatisfaction and frustration with the services provided by Randolph Federal Credit Union Bank . Despite my numerous attempts to close my account and retrieve my funds, I have faced significant obstacles and delays, with no satisfactory explanation provided.

I have been a loyal customer of Randolph Federal Credit Union Bank for over three years, and during this time, I have encountered numerous instances of poor customer service and a lack of responsiveness. However, the current issue represents the pinnacle of my dissatisfaction with your institution. 

To provide some context, I requested the closure of my account on XX/XX/2020, and since then, I have been met with nothing but resistance and obfuscation. I have provided all the necessary documents and fulfilled all the requirements set forth by your bank to facilitate the account closure process. Despite this, my account remains active and my funds have not been released to me. 

Furthermore, I am deeply troubled by the fact that you have withheld a check in my account for an extended period without any valid explanation. This blatant disregard for my rights as an account holder is not only unethical but also potentially illegal. 

As a consumer, I have the right to close my account and access my funds in a timely manner. The extended delay in processing my request and the failure to provide any substantive explanation for these delays is unacceptable. I urge you to rectify this situation immediately and take the following actions : 1. Close my account promptly and without any further obstacles or delays.

2. Release all funds held in my account without any deductions or fees.

3. Provide a written explanation for the unreasonable delay in processing my request and withholding my funds.

4. Offer compensation for the inconvenience, stress, and financial losses I have endured as a result of your bank 's actions. 

Please note that if this matter is not resolved within a reasonable timeframe ( I suggest no more than 10 business days from the date of this letter ), I will be left with no choice but to escalate this complaint to the appropriate banking regulatory authorities and seek legal recourse to ensure the protection of my rights as a consumer. 

I expect a prompt and satisfactory resolution to this matter. I hope that we can resolve this dispute amicably and restore my faith in the services provided by your institution. 

Thank you for your immediate attention to this matter. I trust that you will take the necessary steps to rectify this situation promptly. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2023-08-06
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 (OH)

I hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ). 

Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers. 

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct. 

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law. 

As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have
Consumer complaint received 2023-08-06
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: Central Portfolio Control Inc. (OH)

I hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ). 

Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers.

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct.

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law.

As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Law Offices of Mitchell D. Bluhm & Associates (MD)

Good Day, 1st issue XXXX is paid in full XXXX balance account ending in XXXX .I have sent the letter to Creditors to correct still showing balnace of XXXX no balance should be showing. 
2nd is Law office of Mitchell - Not my account should be removed I do not owe Lawyer -none. total XXXX not my account. account XXXX ( no  account with this company ) XXXX XXXX XXXX XXXX same affiliated creditor. not my account. 
should not be on my credit report. 
I sent documents and disputes still on my report.
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

While applying for a credit card offer with Citibank for a new credit card offer I received a letter of declination. In the letter of declination the reason stated were as follows : denied due to bankruptcy ; previous Citibank card had history of late payments ; current privileges on an existing account was restricted. The letter also stated that XXXX Credit Bureau was used to make the credit decision. So I obtained a current copy of my credit report but none of the negatively reported items mentioned by Citibank existed on my credit report to justify a denial. I called Citibank customer service to immediately resolve the situation. While explaining to a supervisor that I shouldn't have been denied credit based on the information provided in the XXXX credit report, I was informed that I wasn't approved because although my XXXX  credit report reflected that I was current on all of my loan / credit accounts to date, they had used internal information dating back to 2002 ( info which stated that I had filed for a prior bankruptcy that included one of their credit cards ) all of which was being used to base their credit decision on and deny my credit application. I explained that this information is not accurate and that I expect for all internally maintained or reported negative items be removed immediately following FCRA guidelines. I have requested to have all inaccurate information completely removed from any and all of Citibanks internal databases and reporting outside of the approved credit reporting bureaus ( XXXX XXXX XXXX ) following Fair Credit Reporting Act guidelines and due to inaccuracies in their internal reporting procedures, but to no avail.
Consumer complaint received 2023-08-06
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. (IL)

XX/XX/2023 I filed a dispute with the credit bureau about a bankruptcy listed on my credit report. The credit company explained that the bankruptcy listed was provided by the circuit Court. I wrote to the circuit Court clerk and they sent a letter stating that they did not give my information to a credit reporting agency. I sent a letter to the credit and provided them with a copy demanding they remove the it. They violated my rights under the permissible purpose law and also violated my rights as a natural person. I would like for this item to be removed from my credit report.
Consumer complaint received 2023-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. ()

I was based and worked in New York for XXXX from XXXX until my retirement in XX/XX/XXXX Before I left NY, I cleared ALL my debts and closed all my accounts including credit cards at both J.P Morgan Chase and XXXX XXXX XXXX. 
However, despite all my accounts with a XXXX balance being " allegedly '' closed, I discovered In XX/XX/XXXX that BOTH Chase and BOA are still charging my accounts with monthly " bank fees ''. In XXXX I spent close to {$200.00} in phone calls to these respective customer services at these two banks to ensure that my accounts were closed. They allegedly " reversed '' these fees stating that was an automatically generated " system issue '' and that they would pass on the information to the appropriate department. I refuse to spend any more money contacting these two Banks due to their lack of customer service, diligence and banking compliance. 
I am now back in XXXX XXXX since XX/XX/XXXX and recently discovered that BOTH Chase and BOA have been charging my allegedly " closed accounts '' Monthly bank fees for XXXX and XX/XX/XXXX. In each bank, my accounts have an overdrawn account balance of - {$24.00}!! ( Refer to attached screenshots ) In my case, they are deliberately " failing '' to close my accounts. 
Although being in XXXX XXXX I could " ignore '' them. However, I would do so at my own peril. Left unchecked, these unpaid bank fees will eventually attract default payment fees, referral fees to bailiffs and the likes eventually Courts fees added to the lot with a warrant to arrest should I ever put a foot in the USA ( or even transit via the US ) with the outstanding amount totalling thousands of US Dollars for one individual. 
I would be grateful if your office could address and expose the bank 's rot at the expense of the average consumer. 
Thank you for your time and consideration. 
XXXX XXXX ( XXXX )
Consumer complaint received 2023-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc. (OH)

I received multiple collection calls in reference to a Victoria Secret credit card account that was discharged in a bankruptcy more than a year ago. The first call I accepted and actually had interaction with someone was on XX/XX/2022 at XXXX XXXX  and it lasted for 6 minutes. The second call was on XX/XX/2022 at XXXX XXXX. On this second call is when I called back and asked to speak to a supervisor to find out how they obtained the information and was hung up on. I requested to put in a complaint and my number was blocked twice. The first employee I spoke to was XXXX. They stated that the companies name was XXXX XXXX XXXX on behalf of Commenity and Victoria secret.
Consumer complaint received 2023-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (DC)

Dear Sir/Madam, I am writing this complaint to address an alleged credit card debt collection associated with my name and account number mentioned above. I believe it's crucial to clarify the legality of this collection process. 

Credit card debts are not negotiable instruments and can not be sold or transferred as such. The sale of this debt as pursued by LVNV Funding raises legal concerns about its validity.

I kindly request that you provide sufficient documentary evidence demonstrating my legal obligation to pay this debt. If such evidence can not be produced and LVNV Funding continues its collection efforts, I want to make it clear that I will not hesitate to initiate litigation for the actual damages caused. Furthermore, LVNV Funding may be held liable for violations of the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), Consumer Financial Protection Act ( CFPA ), the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, Federal Trade Commission Act ( FTC Act ), and the Racketeer Influenced and Corrupt Organizations ( RICO ) Act.

I request the following information within 14 days : 1. A detailed breakdown of the alleged debt, including its origin and supporting documents.

2. Proof of the legal transfer of this debt and ownership for collection.

3. A copy of the agreement or contract related to this debt.

Failure to provide this information within the specified timeframe of 14 days will lead me to escalate the matter to regulatory authorities and seek legal counsel. 

I anticipate your swift attention to this matter to ensure its lawful resolution. 

Sincerely, Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is the fifth time that I have reported issues with capital one, ranging from reporting my account late when they had put in a program during the terrible hurricane that hits Florida and now for a refund of atm withdrawal that was made with my card in the XXXX XXXX. They spent an entire month investigating the issues and they refunded the item back to my account on XX/XX/XXXX for {$140.00} {$160.00} and different other charges that was fraudulent on the account accompanied with interest charges etc. 
Now in XXXX I received a phone call from one of their agent or supervisor that says that I am calling to go over the charges that you had disputed and I believe that these charges was not fraudulent because they use your pin and no one couldnt have made these transactions if they didnt have a pin I answered sir, our belongings was stolen in our hotel rooms and no other companies gave us issues on reimbursing my money, but this guy was just rude and accusing me of stealing my own funds. First of all sir, I am a hard working man in my past when I was able to work now I am a total and XXXX  XXXX veteran, I am also a XXXX  XXXX   XXXX and I dont take pleasure on lying or making up stories, karma is real and I will like for everyone to notice the abuse from capital one. They have my account now with a balance of {$580.00} when my limit is {$300.00} this company is just horrible, disrespectful and outright unfair to small customers.
Consumer complaint received 2023-08-06
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: Resurgent Capital Services L.P. (NJ)

There are ( 2 ) collection appearing on my credit report by LVNV Funding. One seems to be from XXXX XXXX and another for. XXXX XXXX I am not sure how the XXXX XXXX appeared again as it was disputed before and removed. These accounts do not belong to me. The address that they are reporting to the credit bureaus does not match mine ( its missing XXXX XXXX XXXX ) on both. My identity was stolen and this could possibly be apart of that. Ive submitted documentation previously to support that and it still has not been removed. Ive also requested the contract, a copy of my ID, and address verification that this company is using to support the verification they are providing the credit bureaus. I have not signed and or submitted either of these items to the businesses so I am not sure how they are verifying its me. These items needs to be removed from my credit report immediately. I am very frustrated! This has impacted my credit greatly. 

Please remove, Thank you
Consumer complaint received 2023-08-05
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. (CT)

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive called every credit inquiry I dont recognize. They all said to let XXXX know, but they won't even let me get a report because they must suspect something and would like to know its really me. I have 3 hard inquiries alone from XXXX XXXX but I only applied once. XXXX XXXX said it could have been a mistake on someone else 's part ... But I dont beleive that. The motorcycle lease hard pull wasnt mine, nor was XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX????? None of these are familiar and I haven't applied for any type of job like that. But I think it's those Thurs party people doing whatever they feel and it's affecting my score. Exhausted with all this XXXX. I just want XXXX XXXX   taken off as well as all the hard inquiries from the ones I didnt put there I would like them off XXXX  ... transunion ... and XXXX. Thank you for your help in this matter.