davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Kikoff Inc. (TX)

I would like my derogatory remark removed. This account is are misreporting on my credit report. This account does not belong too me. The date that this open was opened was XX/XX/XXXX. The amount is for {$60.00}. I have reached out to this creditor multiple times that this debt is not mines. I never lived at the listed address and I never had service with this company. I have provided police report as well. The creditor stated to me that there was nothing that they could do to assit with this fraudulent account. Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2022-09-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Block, Inc. (AZ)

I have been dealing with a company called Afterpay for years. In fact, I believe I was one of their first US clients. Afterpay.com will basically loan you an amount of money to be used at a particular store for particular items that they o.k. You are then expected to make 4 payments in 6 weeks to pay off the full amount. At first, this company was very friendly and helpful. They even asked me to help write good reviews for them on several sites which I was happy to do. At one point, I believe I was approved for {$2000.00} in credits since I never missed the payment date. 

Sometime in late August 2022, after making the XXXX payment for approximately {$70.00} of goods from the online store XXXX, I noticed that, in fact, I had just made XXXX payments on another XXXX order for the exact same amount of money. I called XXXX since I only received XXXX order and both order were for the exact same goods. The woman I spoke with XXXX, informed me that they had only received payment for XXXX order and were only paid for XXXX order. She gave me an order number to give to Afterpay and told me that it was Afterpay 's error and they owed me money for the XXXX extra payments I made. Essentially, I had made XXXX payments of {$17.00} instead of only the XXXX that were due thanks to Afterpay 's mistake. 

I immediately went to the Afterpay website and was shocked to find that Afterpay had ( 1 ) discontinued their customer service phone line making it impossible to resolve this matter by phone and ( 2 ) discontinued their online " chat '', as well. Thus, the only way to contact them with an issue was through a link on their website. I submitted at least XXXX complaints laying out the exact issue as described. Finally on my fourth attempt, made on XX/XX/XXXX, I received a " form '' response from XXXX at Customer Service on XX/XX/XXXX, stating that my dispute was being forwarded to a team of experts. On XX/XX/XXXX, I received another response from XXXX stating that my complaint would be allocated to a Complaint Specialist shortly. On XX/XX/XXXX, XXXX wrote to me and agreed with everything I complained about and agreed that she would issue a refund within 48-72 hours. Needless to say, not only did I never receive my rebate, but as of XX/XX/XXXX, I was still receiving emails stating that I was " late '' on my XXXX payment for both items and threatening to charge fees and destroy my credit record. I have tried reaching out every day with no luck. I am attaching a copy of the email chain, as well as the " threat '' letters.
Consumer complaint received 2022-09-26
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. (KS)

Experian is reporting information regarding Hard Inquiries without my written consent. Regarding the Hard Inquiries t listed on my consumer credit report. I am demanding Experian provide me with a wet signed contact giving all furnisher lawful rights to add Hard Inquiries to my credit report pursuant to 15 USC 1681b ( C ) ( 3 ). If Experian is unable provide me with my written consent pursuant to Fair Credit Reporting 15 USC 1681b ( C ) ( 3 ) I am demanding all Hard Inquiries be remove Immediately.

Violations : 15 U.S.C. 1681b ( C ) ( 3 ) ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX REPORTING WITHOUT MY KNOWLEDGE OR CONSENT. 

XXXX XXXX XXXX REPORTING WITHOUT MY KNOWLEDGE OR CONSENT. 

XXXX XXXX REPORTING WITHOUT MY KNOWLEDGE OR CONSENT. 

XXXX XXXX XXXX REPORTING WITHOUT MY KNOWLEDGE OR CONSENT. 

XXXX XXXX XXXX XXXX  REPORTING WITHOUT MY KNOWLEDGE OR CONSENT.
Consumer complaint received 2022-09-26
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. (MO)

This is XXXX XXXX and I am submitting this CFPB Complaint requesting that the Credit Bureaus take action to my Credit File and have the disputed items corrected and or removed from my Credit Report. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. I am taking a thorough look with my Credit report and took notes of the following : a ) There are accounts that were already closed and the balance is XXXX and yet these accounts are still reported as late ; b ) There is a charge off account that is not charged to me. This accounts shows that the account was pad and that the balance is XXXX ; c ) There are accounts that were already deleted from the other Credit Bureau but is still reported on some Credit Bureaus ; and d ) The disputed accounts ' disputed status indicates " Account not Disputed ''. How could the Credit Bureaus report the accounts as " accounts not disputed '' when I have been disputing this accounts by sending dispute letters as well as CFPB Complaints addressed to the Credit Bureaus and when in fact the Credit Bureaus have been responding to my CFPB complaints through the Consumer Portal. This action by the Credit Bureaus makes me doubtful of them. I need the Credit Bureaus to stop their erroneous reporting and delete the disputed items completely from my Credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-09-26
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. (KS)

TransUnion is reporting information regarding Hard Inquiries without my written consent. Regarding the Hard Inquiries t listed on my consumer credit report. I am demanding TransUnion provide me with a wet signed contact giving all furnisher lawful rights to add Hard Inquiries to my credit report pursuant to 15 USC 1681b ( C ) ( 3 ). If TransUnion is unable provide me with my written consent pursuant to Fair Credit Reporting 15 USC 1681b ( C ) ( 3 ) I am demanding all Hard Inquiries be remove Immediately. 

Violations : 15 U.S.C. 1681b ( C ) ( 3 ) ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2022-09-26
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. (NJ)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$360000.00}.
Consumer complaint received 2022-09-26
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

currently have bank account and I noticed when ever there is aa frud freze or security stop on the card the amount of the transaction is deducted from account and later it says it was returned before the traction even occurred but no money is returned the dollar amount dose not go back I had my unemployment hear as well in another account and did same thing several times but no money ever went back the dollar amount never was apparent in the account
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX XXXX I filled aout a credit card application with Capital One. I was accepted to receive a card but once I put some of the deposit in they said and listed my Social security number with another person 's information.
Consumer complaint received 2022-08-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was scammed out of {$1300.00} from using the XXXX payment method though my Bank of America account. 

This was the first case number provided : Case ID # XXXX No resolution. 

Second claim attempt : Case ID # XXXX No resolution. 

No funds were issued nor retrieved. 

I contacted Bank of America as soon as the scam happened but no help from my own institution.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

In XX/XX/2022 I applied for a credit card with Citizens bank after responding to a pre approved offer from them. 

On XX/XX/2022 I received a declined letter stating " UNABLE TO VERIFY INFORMATION PROVIDED ON CREDIT APPLICATION '' as the decline reason. 

I would like to note that the decline reason provided by the Citizens bank did not contain any factual information and referred to Citizens bank internal difficulties processing the information on my application. 

All information that was provided on my credit card application is 100 % verifiable and Citizens bank refusing to provide a proper factual reason for the application rejection indicates that Citizens bank is hiding the real reasons they would not approve for credit an application in my consumer class.
Consumer complaint received 2022-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (MO)

Hello I have contacted XXXX XXXX heHello I have which is the collection agent no wor of times to let them know that I do not owe this ive also contacted Genesis card services back on XX/XX/XXXX of 2021 to let them know that the card was open inaccurately I keep getting calls and emails from XXXX XXXX XXXX this has stopped me from getting the house because its showing in collection when this debt is not mines ive spent over a year trying to get this resolved
Consumer complaint received 2022-11-01
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: ALLY FINANCIAL INC. (NJ)

On XX/XX/XXXX my phone was stolen. The thief accessed many of my financial applications including my Ally account where I have my primary saving and checking accounts. Thousands of dollars were transferred to random accounts via XXXX. When I learned of it I immediately called Ally to report it. In that following week I filed a police report and identity fraud report. One day my Ally card declined and when I called about it I was told my relationship with them was terminated and the disputes were reversed out of my favor ; their reasoning was that the phone I reported stolen was continuing to access my account. This is entirely impossible as the phone was stolen mainly, but also remotely wiped via XXXX, passwords/usernames updated, etc. No one was able to inform me how this decision was made. I was told an investigation supervisor ( XXXX XXXX, last name spelling may be wrong ) would call me last XXXX  XX/XX/XXXX. I have not heard anything to this day, XX/XX/XXXX, and have called multiple times on multiple days to no success both direct and to the general fraud department. I need this case to be looked into further.
Consumer complaint received 2022-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (MD)

I was severely injured at work and required XXXX  XXXX. I did not have insurance at the time and was self-employed so I was unable to pay the medical bills and needed time to recover. XXXX XXXX  where I received treatment has their departments all separate so XXXX  was billed separately as were the XXXX  charges and the XXXX  's charges. by the time I got situated where I could start addressing the financials the XXXX  dept. had already sent their bill to collections which happened to be before the XXXX  approved me for 100 % financial assistance. They show a XXXX balance on their records however NATIONAL RECOVERY AGENCY is still reporting this to my credit report and attempting to collect payment. I have opened a dispute with credit karma which is pointless because none of the credit bureaus have any record of a dispute so I then filed a dispute directly through XXXX and sent a letter of VALIDATION to the collection agency, the dispute has been closed as the collection agency reported that it is accurate information even though legally they are not allowed to until they have satisfied my request for validation which they have not nor can they. next, I will file any relevant law suites against them as this is causing me serious harm.
Consumer complaint received 2022-09-26
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 (NJ)

This is about the Consumer Credit Transaction XX/XX/2015 with your financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. 

I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 

The provisions of 15 USC 6801 ( a ) state It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 

Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information.

15 USC 6802 ( B ) clearing states that A financial institutionmay not disclosenonpublic personal informationto anonaffiliated third party.

15 USC 6802 ( B ) 1b theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 

In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). 

With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you remove the below-mentioned information from my Consumer Report XXXX XXXX XXXX  If you accept my request, I will not escalate this matter to a Federal complaint. 


Thank you for your attention to this matter Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (MA)

I have had an XXXX XXXX XXXX credit card ( administered initially by XXXX  XXXX XXXX ) for years without issue, always paying my full monthly balance each month through an automatic withdrawal from my bank account. I use this credit card only occasionally for travel expenses and otherwise mostly rely on other cards for my routine day to day expenses. A few months ago, my credit card account was transferred from XXXX  XXXX XXXX XXXX First National Bank of Omaha ( FNBO ) without any notice, written or otherwise, to me. At the same time my longstanding autopay was cancelled. I was not furnished replacement credit cards or other notice that the small monthly ( non-delinquent ) balance of a few XXXX dollars was being transferred to a new bank, without my autopay, and without a chance for me to easily pay the balance. I did not notice an issue with the credit card as I do not regularly use it when I am not travelling. FNBO began to leave me voicemail messages simply asking me to call their XXXX number without giving other information, I assumed this was spam as I had no known accounts with FNBO. They finally sent a written notice via mail to my home address demanding payment for an outstanding balance ( showing an account number last 4 digits that I did not recognize, without any other statement details, including the amount owed or other details that would verify that the notice was not spam/junk mail ). This led me to call them and finally understand that they had taken over my account, cancelled my autopay, and now charged me several late fees and interest, and reported my account as delinquent to credit rating agencies, all without having given me proper notice or a chance to pay off the small balance. I immediately paid the outstanding balance ( they did waive the late fees and interest ), and closed the credit card account. The credit reporting issue is the a major outstanding problem, as I am looking into buying a home very soon. Since my account was not properly handled and I was never given an appropriate opportunity to pay the balance, the delinquent notice on my account is inaccurate and should be immediately removed from my credit reports to repair my credit before I seek financing for a home mortgage loan. I have never had issues with credit card debt and this issue will significantly impact my otherwise excellent creditworthiness. When I called FNBO with this issue, I was told they would " look into it but can not promise anything. '' This is not an acceptable response and I need my credit to be repaired immediately.
Consumer complaint received 2022-09-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: 1st Franklin Financial Corporation (SC)

I received a notice dated XX/XX/2022 from 1st Franklin Financial Corporation stating that I the consumer owe a debt that has not been validated or verified. I have sent a Conditional Acceptance and a Cease and Desist notice to 1st Franklin Financial and they have not provided me what I have asked for under perjury. 

I am a consumer these debt collectors can not state that I owe anything ( 15 United States Code 1692b ( 2 ). They also can not threaten to sue ( 15 United States Code 1692d ( 1 ) ) or continue to collect a debt after receiving a cease and desist ( 15 USC 1692c ( c ) which includes reporting false and misleading information to the consumer reporting agencies ( 15 United States Code 1692e ( 8 ). 

The collection efforts must stop or I'm going to have to pursue litigation with the abundant evidence that I have.