davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive disputed XXXX XXXX XXXX XXXX, Amount alleged owed {$32000.00}, Original balance {$36000.00}, Past due amount & XXXXXXXX XXXX XXXX TransUnion and XXXX for unverifiable and inaccurate information. After sending four rounds of Debt Validation Letters to the reporting creditor. XXXX deleted and removed this account for verifiable reasons. XXXX and TransUnion claim that the data furnisher verified it. 

I find that impossible to believe taking the evidence thats clearly presented and stated. Thus XXXX and TransUnion replying upon e-OSCAR automated system and third party agencies for verification. Taking in to the fact that over been opted out and froze all third party agencies as well presenting debt validation letters to the creditor whom never replied back with verification.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (MD)

I stay @ home & take care of my tetraplegic adult son. In XXXX of 2022 A law service decided to take {$700.00} & Well Fargo charge me a Outrageous processing fee. The law firm acknowledged they way they took the $ $ was unauthorized, but they took it anyway. I explained this was all the $ $ we had to take care of my son for the month. It caused my family unimaginable hardships & Wells Fargo basically said its nothing we can do, even though I tried to explain the way it was handled was in deed illegal. My family was dealing with unimaginable grief, but I was brushed off like it didnt matter. I tried showing proof of all my evidence but that bank didnt care.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL (GA)

I opened the car in XXXX XXXX. With a limit of around XXXX. In XX/XX/XXXX my limit was dropped to XXXX. I called and tried to get someone to fix it but they treated me horribly. I asked for a manager and the person placed me on hold and came back to the phone stating a different name saying he was the manager. When I told him I knew he wasnt he argued with me. He told me they would not review my account or credit and that they dont make mistakes. They told me that was all I could have so i instead asked for an increase with another card and was granted it so I didnt need to use this card. I just received post dated for XX/XX/XXXX saying they made and error and should not have approved me in XXXX stating my score was XXXX at that time. It was not. My score at that time was 690-700 between the three bureaus. I also did not have high balances on my cards and this letter said that I did. This is a shady business practice because this is not my information and this company needs to be investigated for credit discrepancies or inaccurate reporting. This is synchrony Ashley furniture store card.
Consumer complaint received 2024-10-08
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting Act Credit Collection Service # 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 XXXXXXXX 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 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-09-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

I am writing to report a serious issue regarding my Citibank account. I recently experienced unauthorized transactions on my account during a vacation in XXXX XXXX, and I am deeply concerned about the security of my account. 
On XX/XX/2023, I received an email notification from Citibank confirming that a check was deposited into my account. Concerned about the unusual activity, I immediately contacted Citibank 's customer support to inform them that I did not authorize this deposit, nor did my authorized user. Citibank 's representative informed me that they had placed a fraud alert on my account, which was reassuring at the time. 
However, the situation escalated rapidly. Within a matter of hours, several additional checks were deposited into my account, and the funds were subsequently transferred via XXXX and XXXX XXXX to various individuals, none of whom I authorized to access my account or my funds. 
In response to this alarming turn of events, I took the following actions : Filed a formal report with the local police department to document the fraudulent activity. 
Submitted a complaint to the Federal Trade Commission ( FTC ) to report the incident and seek their assistance. 
Informed Citibank of the situation, providing them with all available details and documentation. 
The issue has not been resolved and it is causing a hardship.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

There is an XXXX XXXX XXXX bill that keeps showing up on my credit report. it was open in 2016 the account number is XXXX. I've done numerous dispute letter, and they refuse to reply. please help.
Consumer complaint received 2022-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I was a victim of fraud where someone pretended to be a loved one in order to gain access to my banking account where they deposited a fraud check in my account and withdrew money and deposited into their accounts through a third party app, including through cryptocurrency. This person even applied for a loan through my bank without my permission. I called my bank and made them aware of the situation. The bank issued me a credit immediately and that was that. Shortly after that I went on a trip to XXXX  and my phone was stolen and i was without communication with my bank for about two months. I could not log into my account, or emails or get through the telephone prompts due to validating with being able to recieve a text message from them. 
After I obtain a new phone and logged into my bank only to find that they charged back the refund which was given to me and closed my account. After the account was closed I had other vendors credit my account and they never credited those amounts to me, they credited toward a negitive balance that I was not responsible for. 
This is all absurd and I should not be responsible for fraud. When I asked them how they came to that conclusion that I was responsible for the fraud, they said that i had a part in it but still did not provide any proff. When I first called in to report the fraud, I offered copies of conversations that i had with the person who scammed me but they said that i did not have to submit that information to them.
Consumer complaint received 2022-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (DE)

This is not a refusal to pay an alleged debt! CREDIT COLLECTION SERVICES claims that I am obligated to pay them an alleged debt associated with account # : XXXX. CREDIT COLLECTION SERVICES shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If CREDIT COLLECTION SERVICES can not provide the original instrument or proof that it still exists, then CREDIT COLLECTION SERVICES shall send me an original statement affirming that CREDIT COLLECTION SERVICES did not sell the original instrument because if CREDIT COLLECTION SERVICES didn't sell the original signed instrument of indebtedness ; then CREDIT COLLECTION SERVICES should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when CREDIT COLLECTION SERVICES produces the original instrument or proof that it has not been sold, which proves that I am obligated to CREDIT COLLECTION SERVICES. Also please produce the trilateral contract between me ( consumer ), XXXX, and CREDIT COLLECTION SERVICES that shows I agreed to do business with CREDIT COLLECTION SERVICES along with XXXX or on behalf of XXXX. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!
Consumer complaint received 2022-11-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I reviewed my credit report and have discovered inaccurate personal information that must be immediately investigated. These addresses, phone numbers, and misspellings of my name show several items inaccuracies and do not show my true credit history. I also discover the account from Credit Acceptance Corporation has sold the vehicle and or auctioned the vehicle, but is trying to collect {$16000.00} at the original vehicle price.
Consumer complaint received 2022-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PENTAGON FEDERAL CREDIT UNION (OH)

I applied and got approved for a credit card on XX/XX/XXXX. Now it's been three weeks. I still haven't received my credit card. I contacted customer service many times. Their response is always there's been a delay in card production process. I need to get my card as soon as possible, otherwise I won't be able to complete the spending requirement on time.
Consumer complaint received 2022-11-27
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: LEXISNEXIS (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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


XXXX XXXX XXXX XXXX XXXXXXXX XXXX number # XXXX Has violated my rights. 
LEXISNEXUS XXXX XXXX XXXX. 

CFPB violation.
Consumer complaint received 2022-11-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (MO)

On XXXX I submitted my normal monthly payment online of {$410.00}. On XXXX I received a text informing me that my payment was past due. I got on their website and looked at my account and it showed that the payment was reversed on XXXX. I spoke with a representative via phone XXXX to find out what happened and was told their records showed that I had requested the payment reversal. I informed him that was not the case as my payment would have gone through my bank long before the XXXX. He then went on to say that the funds must not have been there. I assured him that they were and that I would not have scheduled the payment if they weren't. I resubmitted the payment of {$410.00} on XXXX. On XXXX I called my bank to see if they were showing a request for funds to be withdrawn because I wasn't seeing on my banking app that the payment had come out of my account yet. They had no request for funds so called the loan company again and was told to call again in a few days if payment still hadn't been withdrawn from my account. Made phone calls to them on XXXX and XXXX because payment still had not been withdrawn. On XXXX I received another text saying my payment was past due. Went to their website and it showed that the payment that I made on XXXX had been reversed so called them on XXXX and was told the payment had been deleted for some reason and she was unaware as to why. Resubmitted the payment on XXXX and they reversed it on XXXX. Resubmitted payment on XXXX and made my XXXX payment on XXXX which is my normal due date and my XXXX payment was reversed again on XXXX. My XXXX payment was reversed on XXXX. Have since tried to remake both my XXXX and XXXX payments. Both have been reversed and an Insufficient funds fee has been added on which I called and complained about on XXXX and was told by them that the account they tried to withdraw the money from, on a payment I tried to submit to them on XXXX, had been closed. It is the same bank account they have been receiving payments from since the loan originated. My bank has told me they haven't received a request for any of these payments from the loan company.
Consumer complaint received 2023-05-15
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. (GA)

This is my twelfth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2022-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

NCB Management Services , Inc continuously tries to collect a false inaccurate debt by any means necessary. In the form of harassing phone calls to both friends, relatives, employers, letters, and credit reporting. On several  attempts NCB has been put on notice of this so-called claim to a false inaccurate debt in the amount of {$6800.00}. A debt they claim to have purchased from XXXX XXXX  that was discharge. Furthermore, besides being inaccurate as of todays date NCB is attempting to collect on a debt thats over seven years old. And past Five-year statues of limitations in Florida.
Consumer complaint received 2022-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2022, I contacted Portfolio Recovery requesting for them to validate a debt that they are saying I owe them. I requested for them to provide me a copy of the original contract between the original creditor and myself and also to provide me with a copy of the purchase agreement between them and who they say the original creditor is. As of date they have not provided me with this information they keep sending me letters/statements saying that I owe {$2800.00}, that however does not prove to me that I owe this company whom I've never done any business with any money, but they are still reporting on my credit bureau even though they have not been able to proof that I owe them any money or that they have legal rights to collect any monies from me. Your assistance in this matter is greatly appreciated. Thank you!
Consumer complaint received 2022-11-27
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. (TX)

I asked the credit bureaus to verify everything in my credit report, and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act DPT EDXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-13
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

I was on a XXXX  tour in XXXX on XXXX XXXX and there was a little tequila shop and we wanted to buy two bottles of tequila to bring back with us and when we purchased the items we paid supposedly XXXX pesos however the charges to my account were US {$500.00}. 
I have reached out to the bank and let them know what happened, and without any further information, they simply denied the claim. Ive tried to look up the store and XXXXXXXX XXXX doesnt have anything. I have reached out to the XXXX XXXX XXXXnd they dont know what the company is supposedly as well as reached out to an attorney, but they cant find anything. I even looked up the vendor that shows up on my checking account and theres nothing.
Consumer complaint received 2022-11-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: QC HOLDINGS INC (IL)

your company has repeatedly contacted me/ us, claiming that I owe a debt under Lend Nation. I was never told I had the right to rescind according to 15 US Code 1635 I was entitled to this. This is a violation of TILA. 15 US Code 1605 The finance charge is the sum of ALL charges. I do not believe that I owe this alleged debt that you say I owe. Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. I'm requesting you send me this alleged bill XXXX out with no balance per I have no written contract with this company. I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. I also demand that you do not sell/give anyone else any information regarding this alleged debt. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. The ONLY information I want to receive from this company will be the XXXX out invoice that I am requesting. Do not report anything negative to any reporting agency, do not sell or give my information away to corporation. Please provide me with the contract with my WET INK signature. Note XXXX vs the XXXX XXXX were there is no contract there is no case