davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

I have a Macy 's account that was put into collections by CitiBank. CitiBank violated the FDCPA by not contacting me with written or verbal notice. Instead of placing my account in collections, CitiBank immediately charged off my account and placed the derogatory charge off on my credit since XX/XX/2021. My family has also been affected by COVID as well during this period.
Consumer complaint received 2023-06-26
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. (FL)

I'm a victim of Identity theft. There are numerous accounts with significant balances that have been reported to my consumer report that I have no knowledge of nor created. Including address, phone numbers and inquiries. I've made several attempts to have them remove including written documentation submitted to the bureau 's requesting accounts to be removed. However, the issue has been unresolved.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DE)

1. FCRA The ACT Title VI violation ; 2. Validation of Debts 15 U. S. Code 1692g & 3. 15 U. S. Code 1681c-2 Fraudulent Reporting to the Bureaus On XX/XX/XXXXXXXX  A security freeze was placed on my XXXX report fraud On XX/XX/XXXXXXXX  A security freeze was placed on my XXXX report due to fraud Reporting to the CFPB On XX/XX/XXXXXXXX  I made a report to CFPB On XX/XX/XXXXXXXX  I made a report to CFPB regarding credit reporting fraudulent activity Credit Report Removals I was able to get XXXX, XXXX XXXXXXXX and XXXX XXXX  removed from my credit reports. The following companies have yet to be removed and one still reporting negatively against my report. 
Current Violations Credit Report # XXXX XXXX ( reflected across all 3 Bureaus ) 1. FCO Fair Collections and Outsourcing XXXX XXXXXXXX client ). 
Settled XX/XX/XXXX. 
Continuous reporting to the bureaus until XX/XX/XXXX Original removal date was XX/XX/XXXXXXXX  Removal date changed to XX/XX/XXXXXXXX  Original reported to credit bureaus XX/XX/XXXX. I still lived in the apartment. I left XX/XX/XXXX. 
FCO is a vendor of XXXXXXXX. XXXX is my XXXX XXXXXXXX and he hates me. This is malicious reporting by his friends and ex colleagues.
Consumer complaint received 2023-06-25
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. (TN)

I have submitted a claim to the XXXX credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXXXXXX XXXX Amount Owed : {$86000.00} In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 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 2023-06-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (NH)

On XX/XX/XXXX Chase bank claimed to have sent the title of my car through the USPS without a tracking number. On XX/XX/XXXX I still had not received my title and called Chase back and requested a new one, and they explained it would be sent to me overnight on XX/XX/XXXX. Today, XX/XX/XXXX, I called Chase and asked them about the status of the title. Chase explained that they sent out the request for the title on XX/XX/XXXX and it could take up to 30-days to process. The car registration in XXXX  expires on XX/XX/XXXX and because I moved from the State of XXXX  to the State of XXXX, I no longer have a XXXX  driver 's license. I can't register the car in XXXX  without my driver 's license, and I can't register the car in XXXX  without the title. Because of Chase 's mistake, I now ca n't drive my car, I ca n't drive to work, and they refuse to expedite the issue. This has not only taken away valuable time but has taken away my car and the ability to work and earn money.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I called the credit Bureau to have my accounts locked and inquires I received investigated. The Credit Bureau refused to investigate the inquires and they are reporting incorrection information. I have not been able to have them investigate this and they refuse to investigate, and they are aware that they are reporting incorrect information.
Consumer complaint received 2019-03-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

This is a complaint about Wakefield and associates. I contested the medical debt in writing and was told they would let me know what happened with my contesting. I never received a written reply or phone call about the contesting. Instead they reported me to the credit bureau and I called them and they claimed it said it was marked as contested but wouldnt let me talk to a supervisor and said hed write it down for him. They wouldnt give me the name of the person they were trying to collect the debt for ( nurse practitioner ) or a phone number or address. They said XXXX. I provided insurance documentation and they continue to call and tell me you not paying this debt is hurting your credit. The most recent person to call had no idea I had contested this and continued to threaten my credit.
Consumer complaint received 2023-06-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (KS)

I filed a ceased letter on XX/XX/XXXX with Midland Credit Management, XXXX and after that letter I keep getting threatening letters, with the most recent on XX/XX/XXXX.
Consumer complaint received 2023-06-25
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: National Credit Adjusters, LLC (TX)

In accordance with Fair Credit Reporting Act this company has violated my fedeally protected consumers right to privacy and confidentiality under 15 USC 1681. I have told XXXX, XXXX, and XXXX to reinvestigate this account. They have stated everything was complete and accurate. But how can this be posible if the open date and the date of lastactivity is incorrect and some other things as well are incorrect. According to 15 USC 1681i ( 5 ) these accounts are supposed to be modified if they are being reported incorrectly.

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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 section s-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. 

This company has violated my right according to consumers laws that i have stated the original creditor or lending company has closed this account, so now this new company National Credit Adju has added a new inaccurate debt to my credit report. This account is showing two times on my report. 
Please investigate this error. This is causing me to have issues getting employment. 

This company is also not in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Each month I pay my credit card balance in full, sometimes above and beyond the " statement balance ''. In XXXX, I used my rewards to pay my balance in full. In XXXX my account shows past due with a {$25.00} late fee assessed. When I contacted BOA they told me that I had to pay the minimum balance due. I paid the balance in full. They said I still had to pay the minimum balance due showing on my statement. Therefore, since I did not pay the " minimum balance due '' of {$25.00}, I was late and assessed a late charge. They did remove the late charge but this will be a ding on my credit showing a late payment. BOA said that I have to contact the credit bureau 's to have it removed. I certainly understand having to pay a minimum amount due or be charged a late fee, but if the statement is paid in full I should not be required to pay above and beyond that or be considered 'late '. BOA should correct the 'late ' payment and be sure that is not reflected on my credit.
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NV)

Back in XXXX I had applied for mortgage assistance and was approved to have the payments that we were behind deferred. The first payment was due in XXXX. I had previously done the payment deferral during covid because it was a hard time. When it was previously done, I could pay it during the month ( of course before the XXXX or it would be considered late ). I was planning on paying the payment on the XXXX. In the beginning of XXXX, I received a notice of default letter. I tried to go online and make the payment for XXXX. It let me but then weeks later ( with no notification ), I received a refund check back in the mail. I don't understand how I could of been approved for the payment deferral and then receive a notice of default. And after that, it was saying I needed to make the payments from XXXX to current and not just XXXX to current. That is not right and should not be allowed to happen. I have since applied for assistance again and am being told my only option is to short sale the home. We've had a tough time and are finally getting back on track, we have plenty of equity on the home and have a large MI monthly payment that could possibly be removed if US Bank was really looking to help homeowners.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Issue : Check cashing policy terms and conditions Facts : As a customer with over $ XXXX in account. I visited Bank of America ( BOA ) branch at XXXX XXXX XXXX XXXX NC XXXXOn Monday XX/XX/2023 I attempted to cash a rewards check from XXXX XXXX approximately {$330.00} drawn on Bank of America XXXX interesting ) I also had a {$10.00} dividend check from XXXX XXXX XXXX The teller indicated she could not cash the XXXX XXXX check. I inquired, why not? The Banks screen indicates you can only deposit. Somewhat baffled and disappointed I asked what is your check cashing policy? I had already been verified and used my debit card for additional verification as my accounts were further checked. This statement and action appeared inconsistent as I have banked here for 7+ years and had over $ XXXX in my checking account. The teller continued to state that her screen indicated deposit only. Moreover, she indicated I needed to call XXXX XXXX or BOA. However, I never received an adequate explanation of possible conditions ( deposit only ) XXXX XXXX confirmed that the check was sent to be cashed, they did not indicate for deposit only. I continued to ask after speaking with XXXX XXXX, What is BOA policy for customers with funds, confirmed ID and drawn on your BOA-bank? 

The failure to cash a properly presented check appeared arbitrary and capricious or BOA has some other unknown policy and inconsistent procedure. 
I deposited the check and went on to withdraw {$350.00} from my account ; however, I was disappointed by the lack of clarity and the disregard for me as a customer, the bank failed to disclose the terms and conditions- if any. 
Conclusion : I would like this incident, check casing policy, investigated as the customer could not cash a properly presented check, used valuable time to understand why not, and believes the impact to possibly other customers can be injurious and may be a UDAAP violation.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION (NC)

On XX/XX/26 when going to the XXXX bank, I noticed that my account was incredibly low on funds. I noticed in my checking account that {$4900.00} was removed to my account from a XXXX XXXX. I knew something was right as I don't have a XXXX XXXX account and the amount was too large. When I entered the bank, I immediately informed a person at the desk about my situation and told me that I was a victim of fraud. They were able to give me the individuals name and was able to have the XXXX get onto an investigation while also freezing my account. The individual was able to gain access my checking account, place in a small amount to tell if it was an active account and then remove a hefty sum, some of which was removed from my savings via overdraft. I filed a police report, and created a new checking account and debit card.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-28
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. (IL)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2023-06-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC (GA)

U.S Auto sales went bankrupt and did a no recourse dealer retail agreement and then XXXX XXXX XXXX then they resold the debt to West Lake Portfolio Management which is not correct. The debt was written off in a bankruptcy o i no longer own this debt. I did in house financing so if the company went bankrupt so did the debt. I made all my payments on time it say debt paid off on my credit report. Not to mention West Lake has all the incorrect information on file.
Consumer complaint received 2023-06-25
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. (SC)

In accordance with the fair credit Reporting act XXXX Account # 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 a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a XXXX  card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the fair credit reporting act the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681c section 602 ( 4 ). 
1 ) Acct # XXXX XXXX XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX Acct XXXX, XXXX XXXX XXXX. Acct # XXXX. XXXX XXXX XXXX Has violated my rights. 15 U.S.C. 1681c Section 602 ( A ) states I have the right to privacy.

15 U.S C. 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

I demand that these accounts be deleted immediately
Consumer complaint received 2023-06-27
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: Resurgent Capital Services L.P. (VA)

Response to XXXX I do not have no contractual obligation nor court order to pay any alleged debt to LVNV Funding LL. I never consented for LVNV Funding LLC to obtain my non-personal public information from any alleged 3rd party source which is identity theft and violation of the XXXX XXXX XXXX XXXX. Therefore LVNV Funding LLC has infringed on my privacy by furnishing negative information to my consumer report in their illegal action to communicate with me and to ruin my reputation. As a consumer, I have exercised my right and refused to pay this alleged debt and demanded LVNV Funding LLC to cease and desist communication in reference to this alleged debt with me and any other person pursuant to 15 USC 1692c ( c )!
Consumer complaint received 2018-12-02
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. (TN)

The bureaus are allowing fraudulent accounts to remain on my report in spite of me filing complaints with he FTC and submitting a police report of identity theft. They are allowing negligent enablement of identity theft and violating multiple FCRA laws.
Consumer complaint received 2023-06-27
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: NAVY FEDERAL CREDIT UNION (IL)

I have mailed out notices to the company and they disregard ignore and continue sending these fraud billing statements. notices sent on XXXX XXXX and XX/XX/2023 XXXX
Consumer complaint received 2023-06-25
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have good credit scores as in XXXX with my reporting agencies. 
TransUnion just dropped my score to XXXX as I had a new XXXX card with XXXX who didn't report a limit. 
Instead of viewing that as a great thing with XXXX trusting me with credit they reported against me. 
Please investigate this with TransUnion, another way to try to get me to pay more with credit problems. My scores should have gone up not dropped XXXX points!! 
this is the only thing that changed with them. 
XXXX XXXX
Consumer complaint received 2023-08-10
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : DP OF EDUC XXXX Balance Owed : {$4300.00} US DEPT ED XXXX Balance Owed : {$9100.00}
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I left XXXX and was home in the XXXX on XX/XX/XXXX. On XX/XX/XXXX, my credit card bank, Capital One, declined a transaction ( {$2500.00} USD ) posted on XX/XX/XXXX after I confirmed that it was not my transaction. The next day, XX/XX/XXXX, Capital One posted a transaction from the same vendor, XXXX XXXX in XXXX XXXX XXXX, XXXX in the amount of {$4800.00} USD. I reported that transaction as fraudulent online with my Capital One account. Immediately, Capital One closed that card and made preparations to send me a replacement card. My account was credited in the amount of the fraudulent transaction ( {$4800.00} ), pending an investigation. Capital One sent me a secure link for documentation submittals. I also sent hard copies to the designated address for " Disputes ''. My card was never out of my possession and is still in my possession. It was never stolen, lost, or misplaced. Somehow, the " chip '' and credit card information were obtained illegally ( scanner? ) and used in the contested transaction. I sent a photocopy of my card that was supposedly used in the fraudulent transaction. I produced copies of my boarding passes that show I was in the XXXX on XX/XX/XXXX. Capital One never acknowledged receipt of my documents which were sent by certified mail but never signed for. 

Capital One informed me on XX/XX/XXXX that they have closed the investigation and determined that there was no evidence of fraud. They stated, " After researching your case, we found insufficient evidence of fraud because : Information we discovered leads us to believe that you or another account user benefitted from the transactions. 

I believe that there never really was an investigation. I was told that their conclusion was based on information that it was a " chip '' transaction, which is not possible. Was this misinformation from the vendor, who could be complicit in the fraudulent transaction? I requested, but never received, copies of documents from their investigation. It is my understanding of the applicable laws, that the bank must provide me with documentation and the burden of proof is on the bank, not me. 

I would like Capital One to atone for their mistake of posting this fraudulent charge and credit my account accordingly.