davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING LLC. RECENTLY RECEIVED A PROFF OF VALIDATION LETTER FROM ME ON XX/XX/2022. IN THE LETTER I ASKED TO RECEIVE AN ORIGNAL SIGNED CONTRACT BETWEEN MYSELF AND LVNV FUNDING LLC. ON XX/XX/2022 I RECEIVED A LETTER FROM XXXX XXXX XXXX SAYING THAT THEY WERE NOW THE COLLECTORS OF ALLEDGED DEBT AND TO WRITE THEM IN RESPONSE TO DISPUT THE DEBT. I CERTIFIED MAILED THEM THE FOLLOWING DAY DISPUTING ALLEDGED DEBT. ON XXXX XXXX I REVIECED ANOTHER LETTER FROM A NEW DEBT COLLECTOR, RESURGENT CAPITAL SERVIECS, SAYING THEY WERE IN FACT THE NEW COLLECTORS TRYING TO COLLECT ALLEDGED DEBT AND THAT I HAVE THE OPTION TO PAY THEM OR DISPUTE THE DEBT. THEIR PROOF OF VALIDATION WAS NOT THE PROOF THAT I ASKED TO RECIEVE IN MY ORGINAL LETTER TO LVNV FUNDING LLC,. THEY SENT ME AN ALLEDGE BILL INSTEAD OF FACTUAL EVIDENCE. EACH COLLECTOR THAT I HAVE RESPONDED TO HAVE STOP COLLECTION ON DEBT AND IS ACTIVELY RESELLING THIS ALLEDGE DEBT. I WANT THEM TO CEASE AND DESIST. AT THIS POINT IT IS HARRASMENT AND I WANT THIS COLLECTION TO BE REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2022-03-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I filled out an online mortgage application on Truist.com. I uploaded all pertinent docs to include pay stubs, w-2s, large deposit letters, bankruptcy docs. All docs were uploaded successfully. 

A loan officer emailed several days later stating he was working on my " loan approval ''. After having to resubmit most docs that I had already uploaded, he came back with information regarding down payment needed for a conventional loan. I asked if he could look in to the FHA programs as I am a first time homebuyer. He then got confused, asked if I was a veteran, stated a XXXX program was only for veterans. I kindly noted that I was not asking about veteran loans as I knew I did not qualify. 

He then told me, after pulling my credit ( I received alerts via XXXX and other credit monitoring services I am enrolled in ), that I was not eligible for ANY of the programs at Truist, and for me to contact him " on his birthday, XX/XX/2023, to find a program ''. My credit should have never been pulled as I had offered my bankruptcy discharge info on their online application at the very beginning of applying. He was completely unprofessional. I have the entire thread of communication. Now my credit score is reduced, this whole situation could have been avoided at the very start if I didn't qualify for any programs as they had access to ALL OF MY DOCUMENTS and as a loan officer, he should know about his companies products, services and what the eligibility requirements are.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX claimed that I opened joint business account with them in the year XXXX. The account was charged off in XXXX. I have yet to receive a 1099c to add to form 892 to send this to irs letting them know that I am insolvent and that my responsibility out weighs my income. I have requested the form from them several different times just for them to tell me that although it has been charged off they have not written it off the book yet. So isn't that fraudulent that for two years you have been writing off the same account? the account number from what I gather is # XXXX XXXX XXXX XXXX -- XXXX -- -- XXXX
Consumer complaint received 2022-07-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditech, Inc. (FL)

A company listed as Creditech, with a mailing address of XXXX, PA has reported a debt of {$690.00} on my credit report as of XX/XX/XXXX. I was unaware of the account until XXXX of XXXX When I was reviewing my credit report. Upon reviewing my credit report I sent a certified letter to Creditech requesting debt validation, not verification, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.The information requested is standard to prove the debt is owed by me and was specified in the letter. As I had not received any initial contact by Creditech I was exercising my rights to protect myself and requested that they stop collection practices and credit reporting until I received the information requested and had time to verify the validity of the debt. The letter was received and signed for but the request has been ignored. Additionally I filed a XXXX  complaint to try and get a response from the XXXX XXXX XXXX which was also ignored. At this point they are in a direct violation of my rights guaranteed under the FDCPA for 1 ) not sending any kind of correspondence to initiate a debt collections act, and 2 ) for failing to respond to my request for debt validation, additionally they have continued to update my credit report, reflecting a balance owed and negatively affecting my credit report.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FULTON FINANCIAL CORPORATION (PA)

I have requested numerous times for all transactions, withdrawals and deposits, to be frozen and not allowed in my account while this issue is being handled. Fulton Bank does not do this. I want all debits and credits disallowed on my account at this time. This is not a duplicate. This is separate issue.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CT)

In reference to previous CFPB complaint ID # : XXXX submitted XX/XX/XXXX : American Express has violated my rights and failed to address these violations or lawfully remedy the issue to my satisfaction. On XX/XX/XXXX, American Express states in their response ( enclosed ) to this complaint that they lowered my credit card limit based on valid reasons and in accordance with our policies and procedures. This statement confirms more violations of federal law by American Express. Corporate policies and procedures do not supersede Federal Law. 

The decision to lower my credit limit was based upon the following information in the enclosure document dated XX/XX/XXXX ( enclosed ) : The balances on your credit and/or charge Card accounts within and outside American Express , as indicated in your credit report, are high relative to your income known to us. This action is a direct violation of 12 CFR 1002.4 ( a ), 12 CFR 1002.7 ( a ), and 12 CFR 1026.12 ( b ). American Express has admitted to discriminating against me on a prohibited basis, utilizing information from illicitly obtained consumer report. American Express did not have actual, implied, or apparent authority to transact in this manner ( unauthorized ) and I received no benefit. 

This is also an egregious violation of the Graham-Leach Bliley Act, 15 USC 6802 ( 1 ). As a nonaffiliated third party, American Express obtained a consumer report from a consumer reporting agency without express written consent, permission, or knowledge. My nonpublic personal information was disclosed by a consumer reporting agency to a nonaffiliated third party ( American Express ) without clear and conspicuous disclosure. I was not given the opportunity to direct that my information not be disclosed in this. I was not given an explanation of how to exercise my nondisclosure option. 

In addition to discrimination on a prohibited basis, unauthorized use, and unlawful access to my consumer report, I still remain harmed financially and emotionally by American Express ' previous violations of federal law noted in CFPB complaint ID # XXXX which include violations of 15 USC 1602 ( f ), 15 USC 1602 ( p ), 15 USC 1691 ( a ) ( 3 ).

My rights have been violated and I have suffered financial damages. I was unable to provide for my family, make necessary household repairs/improvements, or invest in my business during COVID-19 pandemic when I needed financial assistance.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent a dispute letter XX/XX/XXXXXXXX  disputing inaccurate accounts on my credit report. A few of the accounts in question are still reporting on my credit report. There are 3 accounts furnished from the creditor XXXX XXXX XXXX XXXX that does not report any account numbers. How is this account verified without that information? XXXX and XXXX have since removed these accounts. Also, the accounts were all paid and closed between XXXX  and XXXX  and should have been removed after payment per agreement with the creditor. The next account in question is XXXX. This account was closed in XXXX  and should have been removed from my credit report after 7 years. You are also reporting the wrong Date Last Active which is another FCRA violation. Please see the attached credit report and the dispute letter, which is dated, and time stamped for your reference.
Consumer complaint received 2022-03-24
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 convergent 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXXXXXX 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 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : Wells Fargo XXXX WELLS FARGO BANK, XXXX. XXXX
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (OH)

Upon looking for a flight, XXXX advertised that I would receive {$400.00} off of the fair if approved and 70,000 sky miles  after being approved for the AMerican Express SKy Miles program. Upon approval, the cite would not let me use anymore than XXXX of the card and wouldn't even allow split payments. Therefore I could not have received the bonus on the card and the miles because it would not allow me to use the card. This is very misleading and abusive to get me to apply for the card. I was so upset, I called and complained after receiving the card and cancelled having never used the card. I applied on XX/XX/XXXX and canceled when I realized I had been duped in XXXX. I was told I would revived an e-mail of my complaint and they said it would be escalated and I never received it.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I've had the capital one credit card for many many years, which I have used a lot and always paid on time. I have a XXXX credit limit so my minimum payment is not low.. After covid everything changed and i bough a house a lil before covid, then i had XXXX kids, and am now single, my income changed dramatically after covid, but i was managing to do minimum payments. Right now I am not able to make not even the minimum payments so i decided to call to get help. It is incredible that such a big bank like Capital one was not able to find ANY ANY programs, any solution, nothing. I asked them to lower the minimum payment, nothing, i asked them to lower my interest rate for a certain period of time, NOTHING... am not sure if it was the associate that did not know what he was doing or it is just that capital one after they XXXX the life out of you with the highest interests rate they simply dont care to help customers when they need it. Ive paid XXXX of dollars in interest rates already so they tell me now they can not help me. I feel robbed
Consumer complaint received 2022-03-24
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. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Consumer complaint received 2022-03-24
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 (MD)

On XX/XX/XXXX we realized that a check we had written for {$1000.00} had been stolen and cashed XXXX weeks earlier. The name of the recipient was changed and the amount was changed to {$18000.00}. The name of the thief and his bank account were clearly legible on the check. Our bank was Sun Trust. We alerted them immediately. More than XXXX months later Truist has not credited our account for the check. Nor have they attempted to investigate the fraud or contact us. They claim that there are problems merging the Suntrust and Truist systems. This is inexcusable. We are owed that money and it needs to be credited immediately. Truist has provided horrible customer service -- waiting hours to reach a person on their call lines -- and bank representatives in person who say they are helpless to assist. This is our XXXX  complaint to the CFPB.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AL)

I submitted complaint and the rep put in wrong personal information which made it impossible to follow up on because the other rep said identity problem. So that's what stopped me from providing what was needed to follow up. It's ok. They got me again and are allowing federal benefits to be garnished which is prohibited as well as bogus withdrawals posted days later from original as duplicate withdrawal. But no different than the other complaints filed nothing done and others not followed up on. Just wow. I don't even see this importance of this branch. Still leaves the consumer with no voice. Un believable to say the least. I'm disgusted because I was also told fdic handles this and not cfpb. Credit reporting agency keeps hanging up and won't follow guidelines set and make it impossible to even get through to a rep. Major problems in a consumers life just to be left with no rights as guaranteed by law of the land. I guess I will just try to cash out this business account wells Fargo opened without my knowledge. Just with one days there is at least a couple hundred thousand for that one day according to my check log provided to me for them to deny. I have proof from conversations with reps. System won't allow me to change phone number. Besides. The company keeps disconnecting after 2 weeks of being paid. So, no phone. But they sure be all on my darn credit report illegally
Consumer complaint received 2022-03-24
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: HCFS Healthcare Financial Services of TeamHealth (TX)

Requested validation of debt via mail directly to company and bureaus. Did not receive reply to anything. Debt is still listed on credit with incomplete account number, incorrect mailing address and other inaccuracies. It has been well over 60 days without a response. Ive requested this to be deleted from my report.
Consumer complaint received 2022-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-03-16
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: CORELOGIC INC (NV)

Hard inquiries on my credit. 

XX/XX/XXXX credo XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-12-19
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. (TX)

On XX/XX/2021 I got an email from Experian stating that I could apply to an XXXX Credit card without impact to my credit score. I applied and a hard inquiry was added to my report. 
I requested to have this hard inquiry removed from my XXXX by XXXX. They refuse to do so. 
This is misleading advertising.
Consumer complaint received 2022-03-24
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: EQUIFAX, INC. (GA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-03-16
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)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and that it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-16
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. (PA)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and that it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-08
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. (FL)

have disputed items with Experian, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX reporting inaccurate information for an account i have never had with them. I

have sent letters for verification of the accounts over two years with all being returned to sender. I have disputed the items as fraud with Experian and It comes back as an updated item. I have asked Experian to send me the written verification they got with my information and hand written signatures saying that i opened the accounts and they refuse to. I have spoken with Experian and aske
d for written validation and they refused to give it to me.