davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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. (NC)

I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

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 I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-02
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: Credit Service Company (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

As a consumer affected by XXXX XXXX covered major disaster period that is still ongoing, I have recently become aware that my consumer rights have been violated on several occasions. According to Title IV Sec 110401, no person may furnish any adverse item of information ( except information related to a felony criminal conviction ) relating to a consumer that was the result of any action or inaction that occurred during a covered period. Sec. 110402 also restricts collections on consumer debt during a national disaster or emergency. Debt collector means a creditor and any other person or entity that engages in the collection of debt, including the Federal Government and a State government, irrespective of whether the applicable debt is allegedly owed to or assigned to such creditor, person or entity. Capital One has closed my credit card account, furnished adverse information to my credit file and also caused me to lose other credit opportunities by damaging my credit score/financial reputation. The president has not declared the National Emergency to be over therefore this is still in effect. Capital One is noncompliant with federal law and has willingly and intentionally harmed me. I demand all adverse information to be removed from my credit file immediately, for my account to be reopened and a new card sent to me.
Consumer complaint received 2024-10-02
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 am filing this complaint because Experian has failed to conduct a reasonable investigation into the disputed negative items on my credit report, including a bankruptcy and multiple accounts, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year> tracking number XXXX, I mailed a dispute letter to Experian requesting an investigation into the inaccurate items on my credit report. I specifically requested detailed information on how they verified the disputed accounts, including : The date they contacted the creditor Contact information for the creditor Name of the person who verified the item Method of communication used to verify the information Whether the creditor provided my Social Security number, address, and date of birth for verification To ensure proper verification, I included a copy of my proof of identification, Social Security card, and recent proof of address. Despite providing all necessary documents, Experian responded via email on XX/XX/year>, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
This response is inaccurate because I personally submitted the dispute with all the required documentation. 

According to the FCRA, when a consumer disputes the completeness or accuracy of any information on their credit report, the credit bureau must conduct a reasonable reinvestigation. XXXX refusal to investigate my dispute, despite receiving proper documentation, is a clear violation of my rights under the FCRA. 

The disputed items include : Bankruptcy : Court Name : XXXX XXXX XXXX, TX XXXX Reference Number : XXXX I believe this information is inaccurate and incomplete. 
Other Inaccurate Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX As part of my original dispute, I requested a detailed description of the reinvestigation procedures, as required by 15 U.S.C. 1681i ( b ) ( 7 ), but Experian failed to provide this information. They neither verified nor investigated the accuracy of the information, which is a further violation of my rights under the FCRA. 

I am including copies of the following documents for your reference : My original dispute letter to XXXX, dated XX/XX/year>. 
XXXX response letter via email dated XX/XX/year>.
Consumer complaint received 2023-01-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022 i Certified mailed TransUnion Tracking Number XXXX a letter asking their company to investigate and delete the inaccurate accounts that is reporting on my Consumer Report. By Federal Law According to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( 1 ) ( A ) the consumer reporting agency ( TransUnion ) before the end of the 30 -day period beginning on the date on which the agency receives the notice of the dispute from the consumer after 30 days if the consumer reporting agency can not verify or validate this inaccurate Information the consumer reporting agency must promptly delete the items from the file of the consumer.

Also According to the FAIR CREDIT REPORTING ACT 15 USC 1681b ( 2 ) a consumer reporting agency may not furnish any information on a consumer report with out the written instruction of the consumer ( me ) to whom it relates. 

IM DEMAING THE FOLLOWING ACCOUNTS BE DELETED IMMEDIATELIY FOR FAILURE TO COMPLY WITH THE FEDERAL LAW XXXX ACCOUT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have uploaded all of the proper documentation to support my claim.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: USForex Inc. (WA)

I am filing this complaint against OFX for unauthorized financial transactions following the closure of my business account, which has severely impacted my business operations. These transactions include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Without my consent, OFX processed payments on these transactions post-account closure, directly violating the terms set in our agreement as well as financial regulations that protect business owners. This unilateral action not only contravened the agreed-upon terms but also failed to provide any prior notification, breaching standard financial operational mandates. 

Given the circumstances and the considerable negative impact on my business, I am seeking not only a full reimbursement of the aforementioned sums but also an additional compensation amounting to 30 % of the total, to address the direct economic and operational disruptions caused by these actions. 

This demand for compensation is grounded in the legal rights afforded to me under consumer protection laws, which stipulate full redress for unauthorized transactions and additional compensation for consequential business impacts. The unauthorized handling of these funds by OFX demands a rigorous review and appropriate recompense for the damages incurred. 

I expect a prompt investigation into this matter. Please contact me at your earliest convenience to discuss the details of this case and the forthcoming steps. 

Thank you for your attention to this urgent issue.
Consumer complaint received 2023-01-17
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. (CO)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Consumer complaint received 2023-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Im writing to file a complaint about my bank Bank of America, for its inactive regarding my dispute complaint. I have a checking account with BoA, on XX/XX/2023, a debit hold of XXXX appeared on my account. The only recognizable identification XXXX state tax. I owned no state tax and for that I know. So I called the bank and told them its wrong. I asked the bank to cancel the debit hold, but the bank said there is nothing they can do. I called the XXXXXXXX XXXX XXXX XXXXXXXX, 4 times and nobody responded. 

Its a wrongly placed hold starting from the XXXX XXXX XXXX XXXXXXXX and then the inaction of Boa caused my account usage problem : the huge amount of negative amount over rode all my current positive balance, and I cant use my account for daily expenses. I have a XXXX XXXX XXXX XXXX living with me, and request CFPB immediate attention. 

Best regards XXXX
Consumer complaint received 2021-09-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2021, I received two letters via regular mail from WELLS FARGO, Fraud & Claims Management, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. Subject : Closure of your deposit accounts ; see attached letters from WELLS FARGO. 

I have never had an account ; checking or savings or deposit accounts with WELLS FARGO. I called the number listed and spoke to a XXXXXXXX XXXX XXXXXXXX and explained that I have never had an account with WELLS FARGO. In order to proceed they asked for the four last numbers on the Account number and Social Security number. I explained that I never opened an account with WELLS FARGO and wasn't going to give out my Social Security number as I was unsure that this was even WELLS FARGO I was talking to. When I explained that WELLS FARGO was caught by the Federal Government for opening accounts without peoples knowledge and was fined XXXX XXXX dollars, I certainly am concerned that this could be another fraud. Their answer was that without the Social Security number they could not do anything unless I gave them the SSA #, CC # or account #. Now how would I have that information if I never had an account in the first place? This is the reason I am writing the CFPB. Is this another scam or legit? If I received a certified letter, then maybe I would consider it legit.
Consumer complaint received 2023-01-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Americas Car-Mart, Inc. (AR)

You never provided Verification or Validation of this alleged debt I asked for the XXXX oid and also the opt out document that presented to me during the consumer credit transaction. I also asked for the document with my consent for your corporation to put anything on my consumer report. I never received those documents and yet you still furnish the inaccurate information on my XXXX report Violation. 
Then if you look at 15 usc 1666b a down payment was given for both consumer credit transactions that shouldve have. You can not mix cash with a credit transaction. Theres no statue of limitation On fraud and as you can see your corporation and your partner XXXX XXXX are in default of both accounts due to the fact that they did not explain my contract conspicuously and due to the fact that you have no rights to the security interest in both transactions.
Consumer complaint received 2016-01-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (CT)

TD BANK HAD AN ONLINE PROMOTION EXHIBIT XXXX AND IT WAS A {$150.00} BONUS IN 60 DAYS OF FULLFILLING REQUIREMENTS.FIRST WAS TO USE THE ONLINE PAGE TO APPLY, AND HAVE XXXX DEBIT TRANSACTIONS WITHIN 60 DAYS.I COMPLETED ALL THE EXACT REQUIRENENTS AS MY EXHIBITS SHOW CONCLUSIVELY. 
AFTER 60 DAYS NOTHING SHOWED UP AND I CALLED AND SENT EMAILS AND TRIED TO VISIT A BRANCH THAT WAS UNEXPECTEDLY CLOSED IN THE MIDDLE OF THE DAY.IT IS YOUR BASIC SCAM OF PHONE TAG WITH XXXX EXCUSE AND LIE AFTER ANOTHER WITH MANY, MANY REASONS FOR YOUR NOT QUALIFYING FOR THE BONUS, EVEN THOUGH YOU DID ALL REQUIREMENTS AND ALL THE PHONEY EXCUSES THEY CAN ATTEMPT, IN ORDER TO DISCOURAGE OR CONVINCE YOU THAT YOU ARE NOT ENTITLED UNDER THE CONTRACTUAL AGREEMENT TO THE BONUS. IT IS LIKE TREDDING WATER TO SPEAK TO ANYONE AT TD BANK TO RESOLVE THE MATTER, SINCE IT IS A CORPORATE MINDSET TO BE UNETHICAL AND THINK NOTHING OF BREACHING AGREEMENTS EVEN IN THE FACE OF OPEN AND SHUT EVIDENCE.I TRIED FOR QUITE AWHILE TO GIVE THEM A CHANCE TO DO THE ETHICAL AND LEGAL CORRECT THING, BUT THEY REFUSED OVER AND OVER. SO, IT LEFT ME NO OTHER CHOICE THAN TO SUBMIT MY CASE TO YOU FOR RESOLUTION.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Original disputes in XXXX took place and XXXXXXXX XXXX XXXX refused to speak to me. I file many disputes, to no avail. I show a recent missed payment from XX/XX/22 that I never initiated, agreed to or even knew about. My score is dropping daily. Verify the payment history and you will see it. Please remove this from my credit report so I can obtain a mortgage.
Consumer complaint received 2023-01-16
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX days. 
See the documents attached.
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (PA)

Credit karma hasy account locked and won't unlock it I been calling them since Friday XX/XX/20XXXX XXXX XXXX XXXX to resolve this issue and still calling them as we speak. To no avail that they say they can't unlock my account. Different representative gave me different time frames of XXXX XXXX to 10 days I dealt with the account locked before it didn't take that long to resolve. I need my money to payy bills that currently getting charged for late fees and to feed my family. I just want to be able to access my money and withdrawal it and close this account
Consumer complaint received 2016-04-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (CA)

I switched my son over from a XXXX to XXXX physician since he 's now an adult. I made the appointment and went with him to his new doctor and paid the {$10.00} copay in full XX/XX/2015 on date of service ( have receipt ). I got a bill from XXXX XXXX XXXX XXXX stating I owe {$10.00} still but that got clarified over the phone with billing and they told me not to worry about it - they see that I did pay on day of service. 
ARStrat called and sent us a bill and my son was sent to collections over {$10.00}. ARStrat said they could n't speak to me despite telling them I paid for it and have proof and told them to call XXXX XXXX. They wanted my son to call them even though he did n't pay the copay. They just set up walls. They would not let me speak to their supervisor. Depending on which day you call and who you talk to on ARStrat 's phone some will say they do NOT have a supervisor nor legal department to talk to. Every time I call the doctor 's office and billing department - they say I 'm good. They even communicated with ARStrat multiple times but ARStrat denies any such communication. So I paid ARStrat to quit harassing us till we get this resolved. ARstrat says they can not talk to me unless they get permission from my son. He gave them permission and told him to call his mother to clarify this with her. ARStrat told my son they " will not call your mother because you do n't have an account with us '' - that 's because they were paid and do n't want to give my money back - nor do they want to resolve issues. I told them several times to call XXXX XXXX XXXX and they will tell ARStrat that there was a clerical error posted to my account instead of my son 's. But ARStrat wo n't listen. I had to call them back and keep pushing to speak to their supervisor who was just as rude and put up lots of walls also - not very helpful at all. No body at ARstrat would look up the confirmation # paid on their billing statement nor reference number. Not only am I trying to get my money back from ARStat - I want a formal APOLOGY for putting innocent people through XXXX. People who actually pay their copay like they should and still try to collect and harass and bully people that did no wrong in the first place. ARStrat need improve their communication methods, customer service and listen more to people. My name is XXXX. Personal info is my son 's name XXXX with last XXXX social to help you find the account listed under personal info section.
Consumer complaint received 2023-01-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

My motgage was transferred from XXXX loans to this Newrez company on XX/XX/XXXX. When i was transferred the time it took for the new Mortg co Newrez was in middle of the month so they said they were giving the client 60 days to catch up. I paid on XX/XX/XXXX XXXX dollars to catch up on my mortg. My mortg is XXXX a month. I paid half of XXXX and all of XXXX it is now XX/XX/XXXX i paid on XX/XX/XXXX XXXX they said i could XXXX that was owed still by XXXX XXXX XXXX. I tried that today XX/XX/XXXX and online they have me owing a whole mortg of XXXX on XX/XX/XXXX. I am worried they are trying to say i owe a whole month and say im behind a whole month when im not. I dont trust them since my mort has been transferred from XXXX to Newrez XXXX Please investigate this company.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with FCRA, Fair Credit Reporting Act, this creditor has violated my rights under 15USC 1681 section 602 states I have a right to privacy.

604A Section 2 states consumer reporting agency can not furnish an account with out my written instruction. Under 15USC 1666B a creditor may not treat a payment on a loan account under an open consumer credit plan as late for any purpose.