davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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: EQUIFAX, INC. (RI)

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 reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Hey, these companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2022-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Second Round Limited Partnership, Austin, TX Branch (FL)

This company took me to court over this debt. The debt amount is incorrect due to the fact the original creditor XXXX XXXX  was sued for not allowing its customers access to the website to pay their bills which resulted in late fees and higher interest being wrongfully charged. The company was sued in a class action lawsuit
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Elevate Recoveries, LLC (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2024-09-19
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. (TX)

XXXX ' XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX To Whom It May Concern : I sent a letter to you disputing XXXX accounts as erroneous on XXXX certified mail, return receipt requested. I received notice in the mail that you received the dispute on on XXXX. It is now XX/XX/XXXX and I have not received a response from you. 

Per the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ), you have XXXX  days to investigate disputes. If you can not verify the information within the XXXX  day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 

Enclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 

Thanks in advance to your timely response to this request. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello, my name is XXXX XXXX XXXX. I noticed a charge-off on my credit report for a debt of {$5500.00} from Capital One Auto Finance that I do not recognize. The account in question was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. After contacting Capital One, I was informed that this debt is related to a co-signed account. However, I have never co-signed for anyone, and I believe this is a case of fraud. I am requesting that this charge be removed from my credit report under the Fair Credit Reporting Act ( FCRA ). Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SOUTHSTATE CORPORATION (SC)

I received two debit cards At my XXXX XXXX with my name on it I dont know the exact date, but I only check my XXXX XXXX  frequently every few months when I contact the bank, the bank notice me that the accounts were close I recently tried to apply for a account with this bank and was denied. I got a copy of my XXXX report and it indicated that someone had opened up an account and sent it to my old address and it was sent to my XXXX XXXX I do not authorize, these two accounts open up on XX/XX/year> and XX/XX/year>
Consumer complaint received 2024-09-04
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Enterprise Systems, Inc. (NJ)

Received phone call today at XXXXXXXX XXXX. I have a dispute active with this agency for all three bureaus and they still contacted me. I understand this is a serious issue please help. The debt in question isn't Mine in the first place, hence the dispute
Consumer complaint received 2024-09-04
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: Rosebud Economic Development Corporation (KS)

XXXX XXXX XXXX filed a collection on my credit report for a debt that is not mine. I informed them i had no knowledge of the debt and verified with my bank that no deposits or accounts existed with XXXX XXXX or Zoca Loans   or any of their partners. I filed a police report in XXXX KS XXXX number XXXX
Consumer complaint received 2024-09-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

The day of XX/XX/2024, I received a phone call from Wells Fargo Bank XXXX stating that they had suspicious activity on my bank account. They proceeded to state my full name and read about my previous transactions. In addition, they mentioned transactions that I did not approve. Then they said that protection of my identity was required at that time, and they said they would send a code to my phone to confirm that it was me. I read the code back to them, and they scan me. They added four people to my XXXX and withdrew {$3500.00} from my savings and checking account. At the moment of the first transaction, my husband called the customer service line of Wells Fargo Bank to report the scam and request the bank account to be frozen, but the person from the bank took so long that the scammer was able to take all the money from the accounts. After that, we reported the XXXX fraud to the bank, and they sent me a letter stating the request for my money back was denied.
Consumer complaint received 2024-09-04
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (WA)

Dear XXXX XXXX XXXX I am writing in response to a collection account reported by your agency, referenced under account XXXX, I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), section 809. Please provide me with the following information : 1. **Proof of Debt**. Documentation showing that I am legally obligated to pay this debt, including the original creditor 's name, account number, and the amount owed. 2. **Verification of Your Authority : **Proof that your agency has the legal right to collect this debt on behalf of the original creditor. 3. **Detailed Account Information : ** A complete history of the debt, including any payments made and interest or fees added. If you are unable to provide the requested validation within 30 days of receiving this letter, please remove this collection account from my credit report and cease all collection activities related to this debt. Please respond to my request in writing at the address provided. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-04
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (CA)

Alleged Violation of 15 USC 1692g - Validation of Debt. I am asserting that a debt collection attempt made by XXXX XXXX XXXX, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. Despite being approached by XXXX XXXX XXXX, regarding an alleged debt, l lacked prior knowledge of its existence and was not afforded the opportunity to contest it. Per 15 USC 1692g, debt collectors are obligated to furnish consumers with a written notice within XXXX days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand XXXX XXXX XXXX, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

Attached is proof of request of validation of debt via certified mail sent on XX/XX/year> by myself and received by XXXX & XXXX on XX/XX/year>. As of today XX/XX/year>, 30 days to validate debt has passed and I have not yet received any validation. If validation has been sent, please furnish a certified mail receipt.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (CA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (MD)

I contacted XXXX by Goldman Sachs on XX/XX/year>, at XXXX XXXX and XXXX XXXX. They informed me that my account was locked but refused to explain why. I followed up later that evening at XXXX XXXX  and spoke with a supervisor, who stated that the account was locked due to the addition of an external account not in my name. This account, however, belongs to my XXXX, XXXX XXXX, a XXXX XXXX account, which I was willing to verify. 

The previous XXXX claimed that my phone number didnt meet their verification criteria but refused to disclose what those criteria were. The supervisor then told me she had unlocked my account, but I was unable to log in the next morning. 

Despite my persistence and receiving verification codes on XX/XX/XXXX at XXXX XXXX  ( code : XXXX ) and XX/XX/XXXX at XXXX XXXX  ( code : XXXX ), XXXX still insisted that my account was not verified, even after confirming my date of birth, social security number, and secret word. When I asked if I could submit electronic verification using my passport or green card number, my request was denied. 

On XX/XX/XXXX at XXXX XXXX, I was advised to call back later that night to speak with a supervisor. I did so at XXXX XXXX  the next morning, yet again, XXXX would not clarify why my phone number, social security number, date of birth, and secret passcode were insufficient for verification. They claimed they left a voicemail detailing the hold on my account on XX/XX/XXXX, but I did not receive any voicemail. 

Please contact XXXX by Goldman Sachs to address this issue.
Consumer complaint received 2024-09-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (MO)

On XX/XX/year>, my wife and I made a large payment to an installment loan we originated through EnerBank USA. At the time of the payment, we were informed that EnerBank does not have the ability to process principal only payments, which I found to be odd in and of itself. 

We submitted the payment in an effort to pay off our note faster and reduce the principal balance. On XX/XX/year>, I noticed that our normal monthly payment had not been debited from our checking account since we made the payment on XX/XX/year>. This morning, XX/XX/year>, I spoke with EnerBank and was informed that due to the payment in XXXX, our monthly payments were deferred until XXXX, however, we were still accruing interest daily on our account ( approximately $ XXXX ). I informed the representative that it was not disclosed to us that our payments would be deferred as we had established a monthly auto-draft. I requested that EnerBank waive the accrued interest as it wasn't disclosed at the time of the payment that XXXX our payments would be deferred, and XXXX that we would accrue interest in the period of deferment. The representative stated that this information was presented in the terms and conditions of our loan, however it was never to disclosed to us verbally at the time of payment. Had my wife and I known that we would continue to accrue interest, we would have made additional payments to reduce the interest impact.
Consumer complaint received 2024-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (TX)

National recovery Agency ( XXXX ) filed an erroneous derogatory file on my credit reports with XXXX XXXX and XXXX. I contacted them and was told they are a debt collection company hired by XXXX XXXX XXXX XXXX who purchased this debt from XXXX XXXX XXXXXXXX. They allege I received emergency treatment from this hospital on XX/XX/year>. This is false, I never received treatment from this hospital nor did I authorize treatment or charges from this hospital. I was told by National recovery Agency they would file a dispute with XXXX and it could take XXXX or more before I hear something back. Further, they refused to remove this derogatory file from my credit report until this matter is resolved. I was also told XXXX does not have a phone number to contact them directly so there is nothing I can do about my credit report being damaged in the meantime. I am wanting to file a complaint against XXXX, National recovery, XXXX XXXX XXXX and all 3 of the credit bureau for damaging my credit file
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: M&T BANK CORPORATION (NY)

We open an account with M & T Bank with the amount of {$25.00} dollars and later on deposit the amount of XXXX on the day of XX/XX/year> that was split into two different account saving and checking account split equally an then a second amount of XXXX cent that was also split equally. And then the money started being used without my knowledge. I question it to the bank the bank did reimburse some of it but it kept happening for larger amount like through the web XXXX  concert 's tickets XXXX XXXX XXXXXXXX and many more. We made an appointment with the bank regarding the matter and was told that their will be investigation into the matter but then got to find out there wasn't no investigation. We was told by upper management that we have to close the account because we are making the bank lose money. Because Everytime we put a claim in they deny it and said that we did not want to do investigation which was a lie an was also told not to come back to the bank again.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXXXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-09
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XX/XX/22 a payment was made to my Huntington Bank checking account of XXXX. The payment was sent by XXXX XXXX. XXXX Bank verified that it was sent to my account yet I have not received it. I inquired many times at Huntington Bank both in person and online only to be told to bring them more information to help them find my money.
Consumer complaint received 2024-09-04
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (WI)

I have been on hold for hours with TD financial and can not get ahold of anyone. It's been hours since I called and I'm still on hold. I try to access my account online and am getting an error message that the site can not be reached. This has been the 2nd month I have had this issue.
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (MO)

Chime sent me multiple emails about opening a new account, my first and last name were used as well as my email address. I called and asked on information about this account with my email address listed. They pried for my personal info and then told me the information didnt match the records, they updated my email address in their system but still used my email address, they just added XXXX to the end of it. Ive asked them to close this account that is obviously used with my information and they refuse.
Consumer complaint received 2023-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (SC)

We purchased our car on XX/XX/2023 at US Auto Sales in XXXX South Carolina. We made two initial down payments. One was for {$38.00} and the other was for {$500.00}. We then traded in our previous vehicle which took 3 months for the previous lien holder to receive payment. We also purchased warranty coverage with our vehicle. We received no formal notice of our account being transferred. Just an email from the new company that was taking over the loans. After checking our account we found out that none of our payments were being applied to the loan that was transferred to Westlake Portfolio ( who does not have a copy of a signed contract with the wet signature on file for themselves and I ), instead every part of our payment was being applied to interest only. When questioned about it the agents act like they didn't know what was going on and I got hung up on a few times. I also asked about the warranty coverage and was told that I just need to continue paying the amount that I agreed on with US Auto Sales as they will not be offering the warranty coverage and they did not have any proof of warranty for us but will continue charging us the full payment including warranty cost. When transferring our account to Westlake, US Auto Sales did not include the down payments or the previous payments that we paid to them for {$240.00} before they shut down. We are 5 months into our car purchase paying {$240.00} bi-weekly and the loan is reset to what it originally was when we purchased the vehicle. Westlake refuses to do anything about it and no one can give a straight answer. After doing research we also found that XXXX ( the warranty company ) spoke to WL in regards to the warranty and payment included in our service contract with no solution. The contract was breached when it was written with US Auto as we were told it was never funded even with us making payments.