davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (CA)

Today XX/XX/XXXX, I just received XXXX mails ( attached ) from DISCOVER BANK XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX as a follow up from my complaint. In the mails I received, DISCOVER BANK stated they were going to report my DISCOVER CREDIT CARD account as a disputed account to the Credit Report Bureaus ; this is ABSOLUTELY WRONG. Discover Bank is making it VERY DIFFICULT to fix the problem OF A VICTIM OF IDENTITY THEFT. I mailed a complaint to DISCOVER BANK on XX/XX/XXXX regarding the FRAUDULENT LOAN ACCOUNT opened at DISCOVER BANK using my SOCIAL SECURITY NUMBER, and I filed a complaint with CONSUMER FINANCIAL PROTECTION BUREAU on XX/XX/XXXX ; and my complaint stated that, XXXX OF DISCOVER BANK CUSTOMERS OPENED A LOAN ACCOUNT AT DISCOVER BANK WITH MY SOCIAL SECURITY NUMBER. This DISCOVER BANK customer ( XXXX XXXX XXXX ) is NOT using my name but using my SOCIAL SECURITY NUMBER at DISCOVER BANK for a LOAN ACCOUNT. And for the records, I DO HAVE A DISCOVER CREDIT CARD, AND IT IS DEFINITELY VALID, AND I AM NOT DISPUTING MY DISCOVER CREDIT CARD, contrary to what was stated in the mails I received today from DISCOVER BANK CREDIT BUREAU MANAGEMENT. At this point, it is very unfortunate that DISCOVER BANK has decided to report my DISCOVER CREDIT CARD TO THE CREDIT REPORT BUREAUS as a disputed account for NO REASON, and according to the mails, I received, DISCOVER BANK is making an attempt to collect A DEBT ON MY DISCOVER CREDIT CARD that is NOT DUE not until XX/XX/XXXX. In addition, I've already paid the total amount balance on my DISCOVER CREDIT CARD which is before the DUE date of XX/XX/XXXX which has always been my tradition ever since I've had DISCOVER CREDIT CARD. DISCOVER BANK HAS NOT RESOLVED MY IDENTITY THEFT COMPLAINT. DISCOVER BANK SHOULD REMOVE THE DISPUTE STATUS THEY'VE PLACED ON MY DISCOVER CREDIT CARD AT THE CREDIT REPORTING AGENCIES BECAUSE IT'S INACCURATE AND DEFINITELY INCONSISTENT WITH MY COMPLAINT, BECAUSE I NEVER REPORTED MY DISCOVER CREDIT CARD AS A DISPUTED ACCOUNT.
Consumer complaint received 2023-07-19
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX and U.S. Bankruptcy Court XXXX.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2023-07-19
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-13
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Federal Adjustment Bureau, Inc. (OH)

I had an unfortunate experience with this complex that I feel compelled to share. Despite notifying them of my move-out date in accordance with our agreement, I was charged an additional month 's rent. The management claimed they did not receive my notice, and rather than verifying this with the employee who received my notification, they escalated the situation by sending my account to collections. This lack of accountability for their staff 's oversight has been both disappointing and frustrating. Prospective and current residents should be aware of this before signing the contact with this complex. Per XXXX  reviews these seems to be ongoing problem at this business. 

As a business owner myself, I understand that while tenants have contractual obligations, there is also a reciprocal duty on the part of the business and its employees to manage such communications responsibly. This action not only disregards the principle of accountability within business operations but also highlights a significant lapse in maintaining trust and integrity in tenant relations. 

Pleading ignorance when there were records to support the communication is not acceptable. And from reading the reviews it sounds like this is common practice. The complex is negligent in that they have employees answering phones that provide tenants with information that does represent the companies policies. The owner might consider investing the claims more thoroughly under the circumstances.
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA) (TX)

The collection account on my XXXX credit report is not accurate. 
Rec Mgt Grp ( original creditor : XXXX XXXX XXXX ) - XX/XX/2021, {$770.00}
Consumer complaint received 2024-02-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (TX)

About 7 months ago, I applied for a personal loan online at CreditFresh and I was approved for {$4200.00}. I also signed for payments to be taken directly from my checking account. As of today, I have made 7 payments of about {$600.00} a month totaling about {$4200.00}. When I called today to find out how much was left to pay off my loan, I was told that I have an outstanding balance of {$4800.00}. I was told that {$520.00} of the monthly payments I have been making go towards monthly billing cycle charges ( so I have paid a total of {$3600.00} in charges on a {$4200.00} loan ). And on top of all that, I still owe more than the amount that was borrowed originally. If this is not predatory lending, then I do not know what is!
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (CA)

I entered a Bank of the West branch ( XXXX XXXX XXXX XXXX on XX/XX/XXXX this year to close both my savings and checking account. I withdrew the entire amount for each of these accounts, respectively XXXX USD and XXXX USD, with no unsettled funds. In addition to a receipt that shows the withdrawal of all of my funds, I also received verbal confirmation that my accounts were closed. BoW projected that my accounts would be fully closed with no outstanding fees by early XXXX. 

Since then, my accounts remain open and I still have access to my BoW online portal. I have attempted to resolve this by calling BoW services, in which a worker verbally confirmed that my accounts were in fact closed. However, I continue to receive emails of " Low account balance '' on both closed accounts up till now. BoW has been uncommunicative on the reason why this issue is not yet resolved.
Consumer complaint received 2023-07-19
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. (OH)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2023-07-19
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. (AL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00}.
Consumer complaint received 2023-07-19
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. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Dear XXXX XXXX XXXX I am writing to dispute any and all debts associated with my name in your records. As per the Consumer Financial Protection Bureau ( CFPB ) guidelines, I revoke all communication rights and request validation of this debt. I demand full disclosure, including the purchase agreement between your agency and the original creditor, as well as proof of your licensing and bonding. 

It has come to my attention that despite my requests, you have failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Yet, you have reported this debt to consumer reporting agencies, which is a violation of my rights under the same regulation.

Furthermore, I have not been given an opportunity to dispute this account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Your actions constitute false, misleading, and deceptive practices, which are prohibited by the Fair Debt Collection Practices Act [ 6 ]. Moreover, your furnishing of this account to consumer reporting agencies without proper disclosures is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) [ 5 ], [ 4 ]. 

I demand that you cease all collection activities and remove this debt from my consumer report immediately. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DataMax Corporation (NC)

XXXX XXXX XXXX has attempted to collect an incorrect bill total, after it was reduced by my medical insurance. I have requested a debt validation letter and itemized invoice on XXXX different occasions from them and the collections agency, DataMax, and have yet to receive anything. My bill total was reduced 20 %, from {$1000.00} to {$830.00}. The company has reported the amount owed as {$1000.00}, and now my credit has significantly dropped due to their accounting errors. Please note connection to complaint IDs XXXX and XXXX.
Consumer complaint received 2024-09-03
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: TRUIST FINANCIAL CORPORATION (TN)

I am writing to formally dispute the reinserted information on my credit report that was previously removed. According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ), if an account is disputed, found to be inaccurate, and subsequently removed, it can not be reinserted without notifying the consumer within five business days. 
The account in question is XXXX XXXXXXXX, which was removed following a dispute. However, I have recently discovered that this account has been reinserted into my credit report without any notification from your agency within the mandated time frame.

This reinsertion without proper notification is a clear violation of FCRA Section 611 ( a ) ( 5 ) ( B ). I request that you : Immediately remove the reinserted information from my credit report. 
Provide written confirmation that this has been done. 
Ensure that all future reinsertions comply with FCRA regulations. 
Attached are copies of relevant documents supporting my claim, including the initial dispute correspondence and confirmation of the accounts removal. 
I expect this matter to be resolved promptly and look forward to your confirmation within 30 days of receipt of this letter. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-19
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. (FL)

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.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I have a Pottery Barn credit card backed by Capital One. I made a purchase on the card with the intent to pay the purchase before it accrued interest charges. The statement had a due date of XX/XX/year>2024 at XXXX XXXX  ET. On the evening of XX/XX/year>2024, I had a family delay, and I was unable to submit the full statement balance until XXXX XXXX  ET - XXXX minutes past Capital One 's cut-off time for payments. Capital One has now charged me {$110.00} in interest charges for being XXXX minutes late. They credited my payment to my account less than 24 hours after it was made, and Capital One is charging me interest for the entire statement cycle. I have tried to explain to Capital One what happened, and the reason for the XXXX minute delay. It's clear the intent was to make a payment to pay off the entire balance. Additionally, no one would purposely pay the entire balance on a credit card XXXX minutes late to just incur {$110.00} in interest charges. I can't afford to pay these charges, and I have asked Capital One to refund them. Capital One will not do so. I find this to be unconscionable, and it's a detriment to consumers such as myself.
Consumer complaint received 2021-12-07
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: CORELOGIC INC (IL)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (IL)

I am writing to file a formal complaint against TD AUTO FIN regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Blley Act ( GLBA ) to opt out of such information sharing. and I believe my privacy rights have been violated On XX/XX/year>, I notified TD AUTO FIN that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that TD AUTO FIN has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm.. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that TD AUTO FIN complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers XXXX me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed byTD AUTO FIN. 
Please feel free to contact me if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Consumer complaint received 2023-07-19
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX XXXX ceases any further unauthorized access to my credit report. XXXX XXXX XXXX XXXX compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. XXXX failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.