davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: U.S. BANCORP (SD)

On XX/XX/XXXX US Bank held a garnishment of my Social Security Disability benefits In the amount of {$920.00} for a commercial debt collector XXXX Funding. 

According to the SSA a commercial debt collector may not garnish SSDI and as of today XX/XX/XXXX, US Bank has not returned my funds to me, nor have they paid it to the creditor they withheld/garnished it for. 

Please enforce the law to have US Bank return my money to me.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NJ)

Payment on may Valley Bank credit card is due tomorrow XXXX XXXX. So my beloved wife XXXX and I drove to the local branch in XXXX a mile or so from our home. BUT THE DRIVE IN  WAS CLOSED AS WAS THE BRANCH ITSELF. So I mailed my check at the XXXX Post Office for hoped for delivery to the XXXX branch of the bank on XXXX XXXX! 

But I fear that the Valley Bank will claim it did not receive my check on XXXX XXXX and so charge me a sky-high late fee which would be totally unjust as its branch and its branch drive in were closed as aforementioned! 

I SHALL NOT PAY ANY LATE FEE OR INTEREST NOR MAY THE VALLEY BANK REPORT ME TO THE CREDIT REPORTING  BUREAUS! 

The branch should have been open even during the coronavirus pandemic! Where does Valley Bank think customers are to bank? ON THE MOON?
Consumer complaint received 2023-03-01
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : 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 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
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (AZ)

On XX/XX/XXXX my tax return in the amount of {$5800.00} was deposited into my credit karma money spend account. The same day my account was lock and I was told it was under review. I have contacted them multiple times a day since without any help. I just am being told it is handled by a higher team and to wait. Law states a banking institution can not hold you funds for more than 7 days without reason. I have read online this has happened to others. I don't want a check to be sent to me which apparently never arrives I just want to pay my rent and have access to my money
Consumer complaint received 2020-04-23
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DO NOT BELONG TO ME NOR DO THEY RELATE TO ANY TRANSACTIONS THAT WAS AUTHORIZED BY ME. I HAVE NO IDEA WHO WAS ABLE TO OBTAIN MY PERSONAL INFORMATION AND CREATE THESE ACCOUNTS IN SUCH A FRAUDULENT MANNER. PER REQUEST I AM REQUESTING THE ACCOUNTS RE-INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON POSSIBLE.
Consumer complaint received 2024-10-08
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: Experian Information Solutions Inc. (NY)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (CA)

XX/XX/2023 I applied for XXXX XXXX credit card I was approved and I received a letter immediately after that they are closing my account without giving me a reason other than a vague reason indicating that my account and potentially be risk Ive called fraud prevention to find out why they closed my account as a concerned consumer, I would like to know the reason and I am given no reason whatsoever.
Consumer complaint received 2023-03-01
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)

XXXX refuses to abide by the FCRA and remove unverified and unauthorized items from my credit file. This is a Defamation of my character and it is affecting my ability to purchase a home from my family. 

Experian refuses to abide by the FCRA and remove unverified and unauthorized items from my credit file. This is a Defamation of my character and it is affecting my ability to purchase a home from my family. 

on XXXX XXXX XXXX  I sent a letter to both bureaus expressing the fraudulent and unauthorized accounts that are reporting illegally to my credit file, I also asked for them to send me proof of their investigations in which they have failed to do, and I asked for them to send me proof of them validating that the debt that they are claiming I owe, with documents bearing my signature, and they still have not yet done so.
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (LA)

XXXX XXXX and experian are reporting late payments from XXXX on my credit report US code 1681a-1 forbids anyone reporting anything personal to a transaction in a report
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (OH)

I reviewed my credit report on XXXX at XXXX, XXXX and XXXX. I discovered I have a fraudulent collection account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX, XXXX, and XXXX. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XX/XX/, XXXX days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at XXXX. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/6 notice of claim. Brief of XXXX at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a XXXX % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount.
Consumer complaint received 2023-03-01
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. (KS)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this Affidavit to report 5 fraudulent account ( s ) appearing on my consumer FICO XXXX report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : A Credit Card opened at XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX  ( XXXX XXXX ) on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX on XX/XX/XXXX under the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2023-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (OH)

I reviewed my credit report on XXXX at XXXX, XXXX and XXXX. I discovered I have a fraudulent collection account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX, XXXX, and XXXX. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XX/XX/, nineteen days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount.
Consumer complaint received 2023-03-01
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

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 USC1681 section 604 A section 2 : It also states that consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-29
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)

checking my credit profile ive noticed alot of incorrect data that is hindering my file with Equifax. I am interested in disputing all invalid information to correct my file. please update the information submitted asap.
Consumer complaint received 2023-03-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery Associates checked all 3 of my credit scores via hard inquiries without my permission and was apparently ignorant enough to think I wouldn't check. 

I would like to submit a formal complaint and have already been in contact with a lawyer.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (IL)

Hello, I have an account package with PNC Bank. The account package is called XXXX XXXX with XXXX XXXX. 
I opened the account online on XX/XX/XXXX. At the time of opening the account, the information provided to me was that the minimum balance to be maintained in the combined account package was {$5000.00} for the monthly fee to be waived. 
The account package consists of the following XXXX accounts XXXX ) SPEND ; XXXX ) GROWTH ; and XXXX ) RESERVE. 
Subsequently, since the time of account opening until this day, I have consistently maintained more than {$5000.00} combined balance in my account package ( SPEND + GROWTH + RESERVE ). 
During the months of XX/XX/XXXX and XX/XX/XXXX, due to personal reasons, I did not get a chance to review my monthly account statements. 
At the next review of my account statements, I noticed that a monthly fee of {$25.00} per month was debited from my SPEND account for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Despite maintaining more than the required minimum balance of {$5000.00} during all these months, I was erroneously charged a monthly service fee. 
When I reached out to the PNC customer service team, the monthly fee for XX/XX/XXXX was refunded to my account but they refused to refund the fees for XX/XX/XXXX and XX/XX/XXXX by stating that the balance maintained in the " GROWTH '' account does not count toward the minimum balance requirement. 
This new information is inconsistent with what was provided to me at the time of opening the account. 
Furthermore, the monthly statements also clearly show that I have maintained more account balance than the required minimum of {$5000.00} per month to waive the fees. 
Please review the attached account statements to verify the minimum balances maintained during these monthly periods. 
I have reached out to the PNC bank several times and all of the representatives that I have spoken to have refused to refund the service fees that were charged erroneously in the XX/XX/XXXX and XX/XX/XXXX periods. 
I request the officers at the CFPB to enforce PNC Bank to honor their account terms as communicated at the time of account opening. Consequently, as I have complied with their account terms of maintaining the minimum balance to keep the account fee-free, I request the CFPB to direct the PNC bank to credit the erroneously charged service fees of {$50.00} ( {$25.00} for XX/XX/XXXX and {$25.00} for XX/XX/XXXX ) back to my PNC Checking account as soon as possible. 
I sincerely thank the officers at CFPB for your assistance in this matter.
Consumer complaint received 2023-03-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (FL)

I've started my administration process with Discover Bank. First I sent a debt validation letter and a cease and desist. They did not provide proper information for validation of debt and committed many violations under the Fair Debt Collection Practices Act. I noted all of these violations in a Affidavit of Truth with the exhibits to present the facts of these violations. A Debt Collector is suing me claiming to be representing Discover Bank and stating the claims were initiated by DiscoverBank. According to the FDCPA, a debt collector may not use any false, deceptive, or misleading representation or means in connection with collection of debt.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have attempted to contact capital one about this issue several time over the past year or two. They are unable to provide a reason for not granting my CLI request. I've had this account card for over six years now. 
In capital one 's most recent denial letter that I've gotten, it does not state a reason. It simply say 's not available upon request. This is the reason usually given for a secured card account, this card is not secured and has been graduated a long time ago. 
Stuck with a merely XXXX  $ limit, even though I've been granted limits of {$6000.00} and up from other banks. 
This is absolutely ridiculous that when I call, and ask what the reason is? The representatives can't give me any useful information. 
This is not proper practice for a financial institution, all other banks give valid reasons, such as low credit score, too many inquiries, payment history, and capital one has given that reason for this account before. But when I clear everything up and wait, they end up not being able to provide a reason anymore and just say this. And on the same letter it says, look at the back for a denial reason, and my reason is not listed!