davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL CREDIT ADJUSTERS LLC for committing identity theft and violating my consumer rights. I have never given NATIONAL CREDIT ADJUSTERS LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from NATIONAL CREDIT ADJUSTERS LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If NATIONAL CREDIT ADJUSTERS LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NATIONAL CREDIT ADJUSTERS LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and NATIONAL CREDIT ADJUSTERS LLC continues its collection efforts, I will file for litigation for actual damages caused and NATIONAL CREDIT ADJUSTERS LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-04-15
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. (MO)

In accordance with the fair credit reporting XXXX XXXX XXXX  account number XXXX XXXX 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 a Account without my written instructions.
Consumer complaint received 2022-04-13
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. (OK)

In accordance with the fair credit reporting act Everything has to be 100 % accurate on my credit report The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last reported is inaccurate, and the list goes on. That is grounds for removal. 


n accordance with the Fair Credit Reporting act XXXX  Account # XXXX with Account name : XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (FL)

on XX/XX/2022, I received a letter that stated I owed SunTrust bank money that I don't know about. the debt collector is XXXX XXXX XXXX on XX/XX/2022. I sent them a debt validation they failed to response to me ( Failure to Validate Letter ) on XX/XX/2022 I sent them another letter and they failed to respond to me again.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I file a claim for loss of funds which were unathourized. I was told to give wells fargo 10 days for investigation then I would receive provisional credit. I was sent a replacement card which I received on XX/XX/XXXX. When I tried activating card I was told that my account wasn't available. So I immediately called Wells Fargo and brought the issue up which the representative was flabbergasted because they closed my account while having a claim open. Then he proceeded to transferring me to fraud department for claim and they assured me that everything was ok that they would help me open my account again they told me to hold on and was kept on hold for like an hour. The very next day I get an email stating that they closed my account for overdraft charges. Those over draft charges were made because of unauthorized transactions. All of this happen on the tenth day the day I was supposed to receive provisional credit. The reason why they denied my claim was because some merchant have me a refund. Then I receive a letter staying that they were going to check up on this but never received anything. Please help I'm XXXX XXXX XXXX and this is the first time this happened to me my bank account got wiped and wells Fargo literally threw me out with nothing left please help thank you
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My wife and I deposited a check that we received from a Home Title company after we sold a house. The check was from the Title companies banks Escrow account. The deposit was made on XXXX at a local Bank of America XXXX XXXX XXXX Missouri. We were told by the Relationship Banker that we would have a small part of the funds available to us on XX/XX/2022 and the rest will be available on XX/XX/2022. About an hour after leaving the bank, I received an email stating the check was being put on hold. Not thinking to much on it. On XX/XX/2022 I tried logging into my account and was denied access. I then called customer service. I was then told that My Checking account was closed. After asking why, I was told that Bank of America had made a Business decision to close my account and that is all they had showing as reason. And that is all anyone would tell me. I was then told I would not be able to withdrawal any of my money or get the check from the Title company back from the bank until they account is fully closed, which they do not have a time on when it will be. But when it is, they will Mail me a Cashiers check in the mail 10 -15 days after that said bank account it closed. I contacted the Title company and was informed that the bank did receive the money from the Title company for the check on XX/XX/2022, but they never deposited it into my account, but instead close my account the next day and hold my funds for no reason or any reason that will tell me. I was never given notice of the account being closed as they also said they don't have to give me notice or do they have to give me a time when they will refund me my money.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

( a ) Back in 2020 I have submitted to Citi a group of ( 7 ) disputed transactions on my account to which the merchant owed me full refunds. From the 7 transactions, Citi only processed 2 items complete refunds, and 4 items Citi split and processed only partial refunds, leaving the 4 items uncompleted and 1 item skipped in its entirety. I believe Citi mishandled these items as there is no rational as to why 2 items were completed, and 4 just partial split amounts, with one none. The same processed that was followed on the 2 completed items should have been followed on all 7. See attached my letter with full details. ( b ) Citi was also due to refund me for approximate {$6500.00} in interest fees charged on the above mentioned items. None of the interest fees has been refunded despite of repeated promises that I would see those adjustments on my account.
Consumer complaint received 2022-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To whom it may concern, I am filing a complaint with Transunion due to willful negligence. I have submitted many disputes as it pertains to the unverified bankruptcy that remains ONLY on my TransUnion report. Transunion refuses to reinvestigate and continues to provide me with the same generic response from XXXX of 2021 which is against the law and violates my consumer rights as the credit report should have maximum correct information. Transunion continues to state the bankruptcy was verified through the XXXX  bankruptcy court which is inaccurate since they have been provided with documentation directly from XXXX bankruptcy court denying such. If this matter is not properly investigated, I will be forced to start the litigation process. Please properly reinvestigate and remove this erroneous information immediately.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a auto loan for a car with XXXX XXXX. XXXX XXXX  had my incorrect address on file, they was sending my mail to a Virginia address, that I never lived at. I just got that Virginia address removed from XXXX, Transunion and XXXX account. I had to call to and update my address for that account. 

In accordance with the fair credit reporting act convergent Account # 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 a account without my written instructions.
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Dear Bank of America On ( XXXX XXXX ) I used my credit card as defined under 15 U.S.C 1602 ( a ) ( 1 ) To extend myself credit through your company. I was denied on ( XXXX XXXX ) I received an adverse action letter from your company attempting to explain why I was denied. This was clearly an act of discrimination pursuant to 15 U.S.C ( 1691 ) ( a ) ( 3 ). I in good faith excercised my right to extend credit as a consumer, and a creditor and I was denied for no specific reason. You also violated federal law and you will be hold civilly and criminally liable because you violated 15 U.S.C 1602 ( a ) ( p ) you used my credit card with no apparent authority, and I the card holder and consumer received no benefit. You are now civilly and criminally liable under.

1.15 U.S.C ( 1611 ) 2. 15 U.S.C ( 1640 ) 3. 15 U.S.C ( 1691 ) ( e ) 4. 15 U.S.C ( 1642 ) To preserve the judicial economy, and save us both time and money in court. I am willing to settle this matter for the following. 
Extend me the credit I applied for! 
Reference # XXXX Reference # XXXX If you fail to comply I will not just stop at a civil complaint I will file a criminal complaint against your company as well. I am giving you 30 days to respond to my demands.. 
This letter is also being CC-To the CFPB and CC- To the attorney general.
Consumer complaint received 2022-04-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DCI Credit Services, Inc. (ND)

I have a bank account in XXXX ND. DCI froze my account and took 100 % of funds in that account. 
I am on SSDI every dollar I have was from SSDI. 
I have another very old federal bank they did not touch. But I have no available branch. So I transfer to my local bank for better access, I called DCI, they basically said too bad so said and took 100 % of available funds, and have my account frozen. 
This is not legal!
Consumer complaint received 2022-04-15
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)

Upon reviewing my credit file, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is reporting on my Credit Report : XXXX. XXXX XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Submitted all necessary paperwork for fraudulent inquiries to be removed over 30 days ago with no correspondence. Recently called Transunion and a rep in the Fraud Department says that she will not investigate or remove anything and hung up in my face.
Consumer complaint received 2022-04-14
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. (IL)

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions.

15 U.S.C. 1666 B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXXTransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$14.00} ; XXXX XXXXXXXX XXXX Balance : {$690.00}
Consumer complaint received 2022-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (FL)

We purchased and had solar system installed by XXXX. They did not complete the setup since back in XX/XX/2019. We have a loan with loanpal for the solar system. Loanpal and XXXX and I, made a 25 year agreement. The purchase agreement from loanpal says XXXX  have 5 days to finish the completion of the start date. They have breached their contract and we can't seem to receive help from neither XXXX  or loanpal. We are asking to look into these companies, not only for XXXX and XXXX XXXX of XXXX, Fl but shut them down for all the other people that have the same dilemma. Thank you and hope to see a change.
Consumer complaint received 2022-04-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (NC)

I actually have 3 accounts with Medicredit on XX/XX/XXXX sent them certified letter and they sent a letter back saying it would be deleted, but they didn't put the names of the accounts and I have tried calling them with no help. I also have disputed with XXXX, XXXX, XXXX sent them certified letter too. I need help with this company. 
MEDICREDIT INC Reported : XXXX. XXXX, XXXX {$1200.00} Needs Attention MEDICREDIT INC Reported : XXXX. XXXX, XXXX {$51.00} Needs Attention MEDICREDIT INC Reported : XXXX. XXXX, XXXX {$210.00} Needs Attention
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

XXXX XXXX has investigated a bankruptcy on my report and found the the information was inaccurate and removed it from their file. I disputed this bankruptcy with all the credit bureaus and to no avail they refused to remove the information A letter was sent from XXXX to XXXX and Equifax about this and the Bureaus refuse to remove the bankruptcy. I have also sent I a letter from the bankruptcy court stating they have not issue any information to any credit bureaus.
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-14
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. (AL)

At this point I am not sure whats happening at the thre major credit buroues. There are still inaccaurete information o my credit report! I have asked XXXX, Equifax, and XXXX to investigate and remove the inaccaurete information! This is fraud and defamation!!! They arnt investigating. They have removed a few things but they havent fully investigated! I am demanding these inaccaurte information be removed! Federal law requires XXXX, XXXX, and Equifax thirty ( 30 ) days to investigate ALL or remove ALL inaccurate information! Yet they have failed to. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I have records of past correspondence I have maintained a careful record of my communications, please see certified mail receipts and letters mailed to XXXX, Equifax, and XXXX starting XX/XX/XXXX! I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX, XXXX ), they may be liable for willful non-compliance.
Consumer complaint received 2022-04-14
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

Equifax has incorrect inquiries on my report. ( XXXX ) XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XXXX direct credit The Credit bereaus never did a proper " investigation " according to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have violated my rights even more. 

In accordance with the fair credit reporting, everything has to be 100 % accurate on my credit report. 

The Credit bereaus stated my account was properly investigation but how is that possible if the open is inaccurate, the date last active is inaccurate and the last reported is inaccurate. This is ground for removal.

They also violated the law because according to 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.

I did not give anyone written instructions
Consumer complaint received 2022-04-14
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX