davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-03
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. (TX)

I am writing to notify you of a serious issue concerning the compromise of my Social Security number. I am a victim of identity theft. I have reported this incident to the Federal Trade Commission, and a copy of the filed complaint is attached for your reference. I request that you immediately block and delete all fraudulent information from my credit report and provide me with an updated copy of the report. The following items were opened fraudulently and are not authorized by me : Accounts : ( XXXX XXXX, Account Number : XXXX ) ( XXXX, Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Account Number : XXXX ) ( XXXX XXXX XXXX, Account Number : XXXX ) ( XXXX, Account Number : XXXX ) ( XXXX XXXX, Account Number : XXXX ) ( XXXX, Account Number : XXXX ) ( XXXX XXXX, Account Number : XXXX ) ( XXXX XXXX XXXX, Account Number : XXXX ) Inquiries : ( XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove these fraudulent items within 4 BUSINESS DAYS of receiving this request. If you fail to act appropriately, I will be forced to pursue a small claims lawsuit against your agency. I will be seeking statutory damages of {$1000.00} for each violation, which may include but are not limited to the following : 1. Defamation of character 2. Negligent facilitation of identity fraud 3. Violations of the Fair Credit Reporting Act 4. Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) 5. Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) 6. Failure to comply with 15 U.S.C. 1692 ( g ) 7. Violations under 15 U.S.C. 1681b Permissible purposes of consumer reports 8. Violations of the method of verification ( 15 U.S.C. 1681i ( 7 ) ) 9. Right to privacy violations ( 15 U.S.C. 1681a ( 4 ) ) 10. Violations relating to the contents of consumer reports ( 15 U.S.C. 1681c ) I take this matter very seriously and demand immediate action to block and remove these fraudulent accounts from my report. I expect to receive an updated copy of my credit report sent to my address at no cost to me, as required by law. Additionally, I request that you notify any recipients of my credit report in the past six months of these corrections. 

Thank you for your immediate attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX mail : XXXX XXXX XXXX XXXX XXXX Re : Request for Debt Validation- reference # XXXX Dear Sir or Madam, I am writing to request validation of the debt you claim I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ) , 15 U.S.C. 1692g. I recently received a collection notice/communication from your agency dated XXXX XX/XX/2023 regarding an alleged debt in the amount of {$1600.00}. Please note that this is not a refusal to pay, but a request for validation. Pursuant to the FDCPA, I am requesting that you provide me with the following information : 1. The name and address of the original creditor ; 2. The original account number associated with the alleged debt ; 3. The amount of the alleged debt and an itemized breakdown of all fees and interest ; 4. A copy of the original agreement or contract that created the alleged debt ; 5. Proof that your agency is authorized to collect this debt on behalf of the original creditor ; 6. If the original creditor has sold or transferred the debt, a copy of the agreement between the original creditor and your agency grants you the authority to collect the debt. 
7. Until I receive proper validation of this debt, I request that you cease all collection efforts, as required under 15 U.S.C. 1692 g ( b ). Additionally, please note that any attempt to report this alleged debt to any credit reporting agency without first providing validation may be a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Please send the requested information to the address listed above within 30 days of receiving this letter. If you are unable to provide proper validation, I request that you cease collection efforts and remove any negative information related to this account from my credit reports. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

its two CapitalOne account open on my name that dnt belong to me. i have call CapitalOne. 
file a complaint that its fraud and the address have never live. please i need fixing this thank.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

XX/XX/23 - Opened new account with Citibank XX/XX/23 - Received confirmation of transfer request from Citibank email ; transfer was in the amount of {$10000.00} from XXXX XXXX  Savings to CitiChecking. Status noted " in process '' XX/XX/23 - Funds totaling {$10000.00} left my XXXX XXXX  account XX/XX/23 - Received email from " Your Citi account will be closed ''. Email noted that " based on recent review of your REGULAR CHECKING ACCOUNT, we found that you have violated the terms of your account per the client manual. As a result, your REGULAR CHECKING account and any other Citi accounts will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. '' Upon receiving email, I called to get additional information from Citi. According to the person I spoke to, they were unable to provide details of the account closure, reasons for the closure, or confirm the amount in the account when it was closed. I was told that Citi had 60 days to return " any remaining '' funds to me. 
XX/XX/23 - Upon the lapse of 60 days from my account opening, I filed a complaint with Citi Executive Response Unit ( " CERU '' ). On XX/XX/23 I received a call from " XXXX '' in CERU who informed me that Citi cancelled the {$10000.00} transfer, and XXXX should have the funds. He closed the complaint, despite the complaint being unresolved. 
XX/XX/23 - XXXX  provided the Trace number in which {$10000.00} left Bank and arrived at Citi. I called CERU, spoke to XXXX, provided the Trace number, and was informed that new complaint would have to be opened. 
XX/XX/23 - CERU called back, and XXXX informed me that I needed to call Citi 's fraud department at XXXX, select option XXXX. I would need to provide XXXX XXXX  statements to Citi 's fraud department to prove that the funds had left my account. He closed the complaint, despite the complaint being unresolved. 
XX/XX/23 - Per XXXX XXXX instructions, I called the Citi fraud department, who said they don't have the ability to receive emails. Fraud requested that I visit a branch. After I informed the Citi fraud agent there are no Citi branches in Texas, they instructed me to file a claim with XXXX XXXX. 
XX/XX/23 - Called CERU to request a call back, as the instructions given for resolution are not possible per the fraud department.
Consumer complaint received 2023-08-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BSI Financial Holdings, Inc. (NM)

Several weeks ago I sent an email to BSI Financial Services to using their contact web page : XXXX XXXX XXXX, to have my mailing address updated since my mortgage was kind in full. It appears that although the request was received, my account was not updated and their mail is still going through my old address. I no longer live there. Now I am trying to figure out where my escrow check was mailed to and or if it has been mailed. No one can give me a stasis update and apparently BSI is too cheap to give the escrow department phone line so there is no one to speak to. I want me escrow check mailed ASAP and to the CORRECT ADDRESS. 

There is record of them receiving my change of address request no no action was taken. When asked for ticket number to record my phone call none could be provided because there are no reference number. I ask multiple people for ticket numbers or reference numbers and none were given.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed in attached document
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am filing a complaint due to unresolved inaccuracies in my credit report related to two accounts with USAA Federal Savings Bank, as reported to XXXX. The reports contain incorrect information and do not comply with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. 

Request for Review : I have requested USAA to review their data to ensure accuracy according to FCRA and XXXX XXXX compliance standards, including the permissible purpose and accurate sourcing of any inquiries within my credit profile.

Challenged Accounts : The accounts being challenged are listed as USAA FEDERAL SAVINGS XXXX ( XXXX ) - ( XXXX ) XXXX and XXXX. 
Specific Discrepancies : Key concerns include incorrect payment status reported as 'CollectionOrChargeOff, ' discrepancies in 'Date Opened, ' and 'Account Status ' reported as closed. These inaccuracies deviate from the required XXXX XXXX reporting standards. 
Demand for Compliance and Accuracy : I have demanded documented proof of compliance with reporting standards and consumer protection laws. The data provided is incomplete, inaccurate, not up-to-date, and lacks evidence of compliance. 
Issues with Dispute Status : The dispute status expressed as 'N ' is challenged for its accuracy and compliance with regulatory mandates for credit reporting. 
Call for Immediate Action : If USAA Federal Savings Bank fails to provide evidence of compliance and does not correct these inaccuracies, I have stated my intention to pursue legal action. 
I am seeking the CFPBs assistance to ensure the correction of these errors on my credit report by USAA Federal Savings Bank and to uphold the standards set by the FCRA and XXXX XXXX.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Called today, XX/XX/year>, and XXXX # XXXX and XXXX # XXXX refused to provide me with a XXXX or the correct XXXX for tax reporting. 

The account is showing as " charged off '' on the credit bureaus which means a write off to XXXX and reportable income to me. They have not provided me with a XXXX showing the account was actually charged off. Therefore, there is incorrect reporting to the credit bureaus. 

The application was a collateral security in the amount of {$5100.00}. They brought the application to the Fed window and got paid. Each and every month they sold the statements as securities and got paid from the sale of them plus they got paid by collecting monthly money from me. 

They closed my account without my consent. 

They are in possession of contraband - ie my securities.
Consumer complaint received 2023-12-19
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. (CA)

Debt validation letter sent to LVNV Funding LLC and no reply to my request for proof of debt and or written/verbal contracts with LVNV Funding LLC XXXX I disputed this debt reporting with XXXX and XXXX is still reporting the collection as verified. I have not received any valid notification/proof as to how this was verified. I no debt or business with LVNV Funding LLC nor have I agreed to anything that would allow LVNV Funding LLC to legally report a collection on my credit file. This collection violates my right under the FCRA.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XXXX XXXX I seen there was multiple inquiries on my consumer report which id like monetary value for since i never authorized. This is a result of identity theft and happened without my knowledge. Here are the Inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA States that the only data which is factually documented to be physically verified as fully truly, correct, complete, timely reported of a known responsibility and ownership. I would like a physical original document of my signature giving to your company to furnish on my report.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX XXXX {$15.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXX XX/XX/2023 EXPERIAN XXXX XXXX ASSISTANCE XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute and Request for Deletion of Inaccurate Collection Account Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report related to an open collection account. The details of the account are as follows : - **Creditor 's Name : ** XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX Number : ** XXXX - XXXX Status : ** Open XX/XX/2023 XX/XX/2023 I have thoroughly reviewed my credit report and assert that this collection account is inaccurately reported as open. It should be noted. that this account has been resolved and closed. Therefore, I am formally requesting the deletion of this inaccurate information from my credit report. I kindly request a prompt investigation into this matter and the removal of the inaccurately reported open status of the collection account. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe this discrepancy is damaging to my credit profile and should be rectified. Enclosed, please find supporting documentation [ if available, such as a letter from the collection agency stating that the account is closed. and resolved ]. I trust that this documentation will assist in your investigation. Please provide me with written confirmation of the results of your investigation and the actions taken to correct or remove this inaccurate information from my credit report. Thank you for your prompt attention to this matter. I look forward to a quick resolution. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc (CA)

Hello, I have recently moved back to US in XX/XX/2023. I had a Venmo account before, and then, because I needed to pay for rent applications, I tried to reactivate my account. Well, the one I had before I could not reactivate. Then I made a new account with a new email. Ever since I made this new account, I could never manage it. First, they froze my account for no reason at all. They asked for my US visa to unfreeze it, and I provided. After a while, and after spending time on the phone with support agents that did not helped me at all, they unfroze my account. Even so, I tried to link my bank account to Venmo, and it never worked. Once, I wanted to transfer the money for a couch that I wanted to buy. The guy selling the couch did not have XXXX, so I had to venmo him. It was a complete nightmare, as I could not link my bank account to Venmo. I had to withdraw money to pay him. 
The nightmare goes on... A friend of mine wanted to pay me XXXX dollars for the XXXX dinner I host at home. She also only had Venmo, so I let her make the transfer to my account. It worked, wow, I was impressed. Then, I tried to transfer my money to my bank account and guess what? I could not transfer it at all. 
I found out that my legal name was not correct in my Venmo account ( not my fault ), so I needed to change it ( another nightmare ). Today, it was FOURTH time I sent my XXXX visa to Venmo support team, and nothing. I've been wasting a lot of time with this company, and not a single " account specialist '' can solve my problem. It is incredible that I can not transfer XXXX dollars to my bank account using this horrible service. I desperately want to take this money out and close this account as soon as possible. I hope someone from the support team can effectively help me.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

I believe the accounts are invalid. USAA FEDERAL SAVINGS BANK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the accounts to be remove from my credit & their records. USAA SVG BK XXXX USAA FSB XXXX
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (FL)

In XXXX, XXXX, I was sent a notice that my credit limit was lowered from {$10000.00} to {$500.00}. There was no contact information given, and the reasons given were not justified. They said it was because of my credit score which is XXXX, a Very Good credit score. They also said my payments were too low which was never true, and that I missed a payment over the past year. The latter was true simply due to an oversight on my part, but I have been a customer since XXXX, and I have missed payments on occasion in the past as well. Never was I informed that my credit limit would be so severely restricted. I called to complain, and was told it would be reviewed, but I never received any further information about it, and my credit limit remains {$500.00}. 

Then in XXXX of XXXX, they informed me that my interest rates were going to be raised substantially only due to my credit score, which again is XXXX. My credit score has not changed significantly in years, so there is no reason this should have led to higher interest rates for me. There was again no contact information given on the notice, and when I went to the website customer support, I was told the contact information would be in the email, and they could not help me. 

It is clear, that those who made these decisions do not want to take responsibility because they know they are doing nothing more than scamming long time customers who pay their bills in full and on time. And because I dont use the card very much, I am being punished.
Consumer complaint received 2023-08-27
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TIDEWATER FINANCE COMPANY, INC. (TX)

I've sent 3 letters, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof of application, bearing my signature, since I have been a victim of several data breaches. Each company has yet to provide the requested documentation required by law.