davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-07-26
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: Experian Information Solutions Inc. (AL)

I am writing to express my concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address these disputed accounts, I have yet to see any resolution or corrective action. These errors are significantly damaging my credit file and adversely affecting my life. 

The inaccuracies in my credit report are causing immense hardships, and I am pleading for your immediate assistance in rectifying this situation. I kindly request a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AR)

I made a payment on XX/XX/XXXX of {$8400.00} and they are saying they cant find that payment. After spending countless times on the phone and by email. They will not fix it. I have provided the bank statement 3 times and they still wont fix it. I need this to be applied. Ridiculous that it is going on almost 6 months and they wont do anything. It keeps accruing interest and late fees and making my credit score drop. I dont know what else to do!
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MO)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2022-10-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In Accordance with the Fair Credit Reporting Act, the list of Hard Inquiry Accounts from XXXX  XXXX XXXX and XXXX XXXX have violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts have violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the rights to privacy.

Pursuant to 15 USC 1681 section 604 section 2, it also states a consumer reporting agency can not furnish account without my written instructions.

I am requesting for the original copy of the agreement, terms, and conditions. Failure to comply will forfeit your claim and will require you to delete all the list of hard inquiries above. You are required to do what I am asking and block and remove these transactions and hard inquiries from being reported to my consumer report WITHIN 4 days from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE!
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NE)

This is in regards to Wells Fargo that I recently discovered several credit cards that were opened in my name, and 1 is the only one I have discovered had my wrong birthday, along with a lean being put on my property for 6 years, to which I filed bankruptcy, and was discharged in XX/XX/XXXX, and somehow was left on my property from XXXX? I had no knowledge of this card even existing? I came across this letter that apparently I received in XXXX telling me it was resolved? I never followed up on it, because I assumed it was an error or something? I have done some research recently because I'm currently involved in a Wells Fargo settlement from them enrolling me in an identity theft protection plan that I never signed up for? Upon looking through old paperwork I discovered numerous credit cards that were vin my name that I even had judgements on, and were on my credit report for i don't know how long? In XXXX I refinanced my home with Wells Fargo Financial, and after that I only signed up for a XXXX XXXX credit card, one Wells Fargo credit card, and a checking account, and that's it? I have no idea what the rest of them are, or how these were put in my name, or how I never received statements on them? I also noticed XXXX card was put in my name in XXXX of XXXX that I would have never even qualified for, since I really only had XXXX  Wells Fargo card, XXXX  XXXX XXXX  credit card through Wells Fargo, and XXXX  checking account, but I have evidence of all these cards that I was never made aware I never signed up for? There was even a lawsuit of XXXX XXXX dollars that I should have been included in, but was never was? I have evidence of all these cards, and I want to get to the bottom of this!
Consumer complaint received 2024-07-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (NJ)

Pursuant to the FCRA 15 USC 1681 A Rules of Construction, section ( 2 ) ( i ) any report containing information solely as to transactions or experiences between the consumer and the person making the report will be excluded from credit reporting. The company has willfully not complied with the rules set out by congress in this act. In addition to the violation mentioned, the company did violate the FDCPA as well by not validating the alleged mentioned debt and not complying to my cease communication demand. Not only did I demand the communication with me to cease, but all communication related to the attempt to collect the alleged debt with any third party credit reporting agency.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The ending balance should have been {$55.00} instead of the current bal ending XX/XX/XXXX as two additional credits appeared before the ending of the statement. When I tried to contact him about it I was put on all and hung up on more than three times.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LCI Acquisition Inc. (NC)

LCI Group consumer report has inaccurate information about my address. Its showing various address for me on the reports and this is not correct. Am requestiing proof and statement where it shows that those address only except the one I am sending documents are my address if not provided I am demanding that this be updated to my correct and only address. There are screenshot of supporting documents showing my correct and only address that should be reporting on any reporting agencys
Consumer complaint received 2024-07-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (KY)

Someone illegally set an allotment on my paycheck and is sending money to an account with PNC banking. XXXX number XXXX. Tracking number XXXX.The account number is invalid. Bank refuse to help because I dont have an account with them. My payroll is through the government and is doing everything possible to help.
Consumer complaint received 2024-07-26
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (CA)

Synchrony BankXXXX XXXX XXXX charges {$1.00} to mail a paper statement. I signed up for paperless option to avoid this fee. I signed in to my account and it shows a minimum of {$48.00} due on XXXX, however, I am unable to retrieve a copy of my statement. The previous 6 months have a statement date by the XXXX of each month. I believe that this company should make a copy of the current statement if they have a due date for the current month. I tried XXXX option on their website, but it could not respond to my concern. I also tried to call them but I was unable to get past their VOICE COMMAND function.
Consumer complaint received 2024-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (IL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-26
Product: Credit 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: CITIZENS FINANCIAL GROUP, INC. (MD)

I ordered a XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX in XXXXXXXX TN ON  XX/XX/year>. I did this with my Citizen credit card. I got an alert from Citizens fraud department to call them about the XXXX charge. They asked me did I purchase something for this amount. I said yes is there a problem with this seller. They said no just confirming the amount. I asked the seller for the tracking # and shipping company XXXX  days later no response. Then he replied that he had to go to the hospital for XXXX and would send me the tracking number. Another XXXX days went by no tracking number. I emailed him XXXX more times before contacting Citizens. I told Citizens the problem and there said they would investigate it. Weeks went by no call or letter from Citizen so I called them again and sent emails to there disputes department but emails were sent back and no received. I called them again and they said I cant call the fraud department they must call me which they never did. They called me in XXXX and said they would credit me back the charge but on XXXX XX/XX/year> they said they will the me the again because the seller showed them proof of shipping. I said please send it to me because the seller never gave me a tracking number and you have not given me any proof of shipping and delivery. Thanks XXXX XXXX
Consumer complaint received 2024-09-05
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing to formally address a serious concern regarding the unauthorized access and/or furnishing of my credit information. It has come to my attention that my credit report has been accessed and/or shared without my written consent. 

According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency must obtain written authorization before accessing or disclosing an individual 's credit information. I have not provided any such written consent.

In light of this, I am requesting the following actions : Detailed Disclosure : Please provide a detailed account of all entities that have accessed or furnished my credit information, including the dates and purposes of these actions.

Proof of Authorization : Furnish evidence of any written consent that authorizes the release or access of my credit information.

Deletion of Unauthorized Information : As my consent was not obtained, any information accessed or reported without my authorization must be removed from my credit file immediately. Under 15 U.S.C. 1681i, you are required to investigate and correct or remove any inaccurate or incomplete information. The presence of unauthorized information qualifies as such and must be deleted to comply with this requirement.
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

My credit line with Capital One is {$5000.00}. I try to keep my balance below XXXX % so it does not affect my credit score. However, that is just about impossible with a business credit card. Therefore, I requested a credit line increase. Capital One denied my request, citing " A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. '' I contacted Capital One this morning for a further understanding/explanation for this denial. The customer service representative, XXXX, stated he was not allowed to provide additional information. His supervisor, XXXX, told me I need to contact the Bureau of Consumer Financial Protection for further information. 
My credit score ranges from XXXX - XXXX. So I am sure you can understand why I am concerned and equally troubled by Capital One 's response. Nonetheless, I called Capital One again this afternoon. I explained to the supervisor, XXXX, why I requested a credit line increase. XXXX stated the impact of exceeding my credit line by XXXX % to XXXX % " is not a concern to us. '' XXXX confirmed this was a decision made by their automated processes and she refused to send my request over to the underwriters for a manual review. 
As a result, I understand if I cancel my credit card it will have a negative impact on my credit score. Also, If I exceed the XXXX % threshold it will have a negative impact on my credit score. I have been a loyal Capital One customer for a number of years. I have personal and business credit cards through Capital One, I have financed a number of vehicles and mortgages through Capital One - I have never had a late payment. With that said, I can only conclude I am a victim of racial and national origin discrimination based on the ethnicity of my last name. I request that you open an investigation into the lending practices of Capital One. If you need additional information, please contact me at XXXXXXXXXXXX.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY (KS)

I have initiated multiple ACH transfers from my American Express Serve checking account to my other checking account, XXXX. All XXXX transfers went " processing '' in the Serve online banking portal, then proceeded to not transfer funds. I confirmed that my XXXX account was verified on my Serve account. 

On XX/XX/XXXX, I called Serve to figure out why my XXXX transfers from XXXX and XXXX weren't successful. They did not have a reason, but instead advised that if any future XXXX payments are held up, I would receive an email requesting verification. 

On XX/XX/XXXX, I initiated a {$2000.00} XXXX transfer from my person Serve checking account to my other personal XXXX checking account. In my Serve online banking portal, it listed the {$2000.00} XXXX transaction as processing for ( XXXX ) days. 

Today, XX/XX/XXXX, I looked at my Serve online banking portal to see that the {$2000.00} pending XXXX transaction disappeared. It not listed under " Completed Transactions '' or " Active Transactions, '' however, my Serve account balance is {$2000.00} less than it was since initiating the transfer XX/XX/XXXX. 

I checked my receiving-funds bank, XXXX, and there is no record of the {$2000.00} XXXX transfer there either. 

I am extremely dissatisfied with Serve customer service because the only way to access their customer service line is by selecting the " card is stolen or damaged '' option in the automated phone system. I also have not received any email confirmations from Serve indicating these transfers occurred or failed, and I verified that my text and email communications with them were set to accept all. 

Serve 's options for money transfers are very limited if you want to transfer money to other people. I owe someone money, so that is why I've been trying to transfer money to my more user-friendly XXXX account. 

I've attached screenshots of my failed transactions from XXXX and XXXX. Because I submitted my XX/XX/XXXX transaction after my phone call with Serve, I assumed the issue was resolved, so I did not screenshot that XXXX, unfortunately.