davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
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: Kikoff Inc. (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (MS)

Chase sent me an email inviting me to apply for a checking account ( invitation code XXXX XXXX XXXX XXXX ) and I would received a new account bonus. I followed the steps and opened the account then received a message saying the account was opened but the bonus is not applied. This is bait and switch. Why would I not get the bonus after they invited me to apply?
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, XXXX RE : Cease and Desist Collection Activities To Whom It May Concern, I am writing to formally demand that LVNV FUNDING LLC cease all communication with me, as well as all collection activities related to the alleged debt referenced under XXXX. Please take notice that under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I am exercising my right to request that you stop contacting me regarding this matter. 

This cease and desist demand applies to all forms of communication, including but not limited to telephone calls, emails, letters, or other means of communication. Any further contact from LVNV FUNDING LLC or any agent representing your company will be considered a violation of the FDCPA, and I will not hesitate to report such actions to the appropriate authorities, including the Federal Trade Commission ( FTC ) and my state Attorney Generals office. 

Please acknowledge receipt of this letter in writing and confirm that all collection efforts on the alleged debt will be immediately discontinued. 

Should you continue to attempt to collect this debt after receiving this notice, I reserve the right to pursue all legal remedies available to me under the FDCPA and any other applicable laws. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

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 2024-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I notified LVNV in 2017 that a debt that were billing me for was not mine. They ignored all correspondence. The debt was bought by XXXX XXXX and they have since won a judgement against me. My pay is currently being garnished. XXXX XXXX XXXX has sent notices to the court and my employer without my knowledge. I received the notice of garnishment from my employer. Then days later in the mail I got notice from XXXX. This gave me no time to file an exemption. I am owed the exemption since I earn less than {$750.00} a week. And am Head of Household. These are shady practices all to the benefit of LVNV and XXXX XXXX. All the paperwork and the garnishment of wages should be thrown out since I was never given a chance to file an exemption. They have my name spelled incorrectly and the dates are all over the place.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, XXXX credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists all are listed XXXX XXXX account # XXXX, XXXX  account # XXXX according to I 15 USC 1692c you have violated my rights by unlawful communications please removed these closed accounts off my Consumer credit report thank you These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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 CREDIT COLLECTION has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 2024-10-13
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc. (FL)

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXX XXXX  XXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
4. A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Consumer complaint received 2024-10-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I returned an XXXX XXXX that I bought on XX/XX/XXXX and returned on XX/XX/XXXX. I was told by XXXX XXXX that I get a refund by 7-10 business days. As of XX/XX/XXXX no credit has been applied to my account. When I call in Im told noting they can do XXXX XXXX shows proof they sent money back and I get hung up on by bank when calling to ask them for updates. This was a financed XXXX XXXX through XXXX  XXXX  through XXXX XXXX from Citizens Pay.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-04
Product: Credit reporting 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (NJ)

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 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

I am an existing Union Bank business customer. US Bank acquired Union Bank and online bank account was supposed to be switched from Union Bank to US Bank starting XX/XX/2023, according to US Bank. 

On XX/XX/2023, when I tried to transition my online account access to US Bank, I received a variety of errors from their website. 

The first few attempts were met with a message that said, " There is a problem on our end. It shouldn't last long. '' Eventually I was able to get past that error, but US Bank 's website gave me more, different errors while trying to access my account, stating that it could not identify my identity. 

I spoke to a customer service agent who said that due to a " coding error '' by Union Bank during the transfer process, I would not be able to access my own business account, even though the agent admitted I was who I claimed, the sole proprietor of this business. 

They said the only way to resolve it was for me to make an in-person appointment at a branch and providing them with ID and documentation. Or else I could resolve it by mail, a process which they said typically takes 2 months.
Consumer complaint received 2024-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Global Lending Services LLC (FL)

I purchased a XXXX XXXX 2012 at this dealership on XXXX XXXX. And they couldn't provide extended warranty and reassured me this car was in great shape and I wouldn't have any problems. Within a few weeks I had to go in because multiple signals on the dashboard showed up. Then a few weeks later I went in twice due to Evaporative emission control system of the car. Then followed up this the XXXX has a massive fuel leak due a hose that needed to be replaced. On XX/XX/XXXX for the first time the XXXX  overheated to the point I needed to tow it. A mechanic diagnosed from XXXX and quoted XXXX items that need attention from the car costing over {$2100.00}. While I acknowledge the offer of assistance through a XXXX provided by the dealership, it is far from covering the financial burden this vehicle has imposed on me. In XX/XX/XXXX I spoke with the manager they aren't able to help me due to this car being old however they can help me get into a new car. It seems coincidental that the only resolution offered involves upgrading to a newer model without any meaningful guarantee that it won't have similar problemsfeels like a pressure tactic. I entrusted XXXX XXXX with my business once, and I am not prepared to make the same mistake again without receiving fair and just treatment. I believe this situation warrants further investigation, as I feel it is unfair to be placed in this position. What troubles me the most is the apparent coincidence that the warranty was only for 30 daysjust long enough for me to discover the issues, but not long enough to receive adequate assistance. I find it unfair and unjust that a car I have owned for just XXXX months would require such significant repairs.. I am writing to discuss my current situation regarding my loan. Unfortunately, my car has become faulty and is no longer operational, which has significantly impacted my ability to manage my finances. Given that the car is not running, I believe it is unfair for me to continue to be responsible for the loan under these circumstances. I would appreciate the opportunity to discuss possible options or adjustments that could be made to my loan terms.
Consumer complaint received 2024-10-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Healthcare Finance Direct LLC. (VA)

My account was paid off on XX/XX/XXXX. I called that same night and confirmed with a representative that it was paid and there was nothing else needed from me. On XXXX I looked at account and realized it had not been closed. I called and was advised account is paid off but it had to be escalated to accounting due to a system issue. I have called 7 times in the last month and I keep getting told it's being worked on. My last call on XX/XX/XXXX i was informed it should be fixed by XXXX. I have still not received an update and my account is still open saying I have past due payments when I don't owe anything.
Consumer complaint received 2023-03-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Designed Receivable Solutions, Inc. (CA)

I reviewed my credit report and found that I am a victim of fraud, as it contains accounts opened without my consent. My personal information was stolen to create these accounts, and I have never signed any agreements with these companies. I have no knowledge of these accounts, did not benefit from this fraud, and am concerned that the fraudulent activity may persist.
Consumer complaint received 2024-09-02
Product: Credit reporting 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 am filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of : 1- Fraudulent accounts : Ability recovery services opened on XX/XX/XXXX, US dept of Ed opened on XX/XX/XXXX, US dept of ed opened on XX/XX/XXXX Those accounts are results of identity theft and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of accounts in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections as reported. Those accounts, collections, appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Consumer complaint received 2024-10-07
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: CITIBANK, N.A. (GA)

I bought a round trip ticket from XXXX for my wife to travel to XXXX ( XXXX ) to visit her family. Her return date was XX/XX/2024. XXXX cancelled her flight and rebooked her on XXXX XXXX for XX/XX/2024. Then they cancelled her flight and rebooked her on XXXX XXXX for XX/XX/XXXX. She was not allowed to fly out of XXXX by the ticket agent because the XXXX at XXXX was shut down and they didn't want her to be stranded in XXXX. XXXX rebooked her again on Turkish Airline for the XX/XX/2024. On XX/XX/2024 I went to get her seats assigned. That is when I found out that they also have cancelled her booking on that flight. That was the XXXX cancellation by the airline. This is when my wife 's patience came to an end. There were flights in and out of XXXX and XXXX was unable to provide us with a service that we paid for. On XX/XX/2024 I went online and was able to get her a ticket with XXXX XXXX for XX/XX/2024 so she could come home. 

I disputed XXXX charges for the amount of {$1100.00} that I had to pay XXXX XXXX because they could not provide the service that I had paid for. 

After a lengthy back and forth with Citi Cards I only got a partial credit and refused to let me present my case to XXXX. 

Attached are all the documents. All from XXXX.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX has reporting a increase in my balance to all XXXX credit bureaus of {$470.00} between XXXX -- XX/XX/XXXX which is not correct. This cause my credit score to decrease I called XXXX on XX/XX/XXXX and was told a update goes out to credit Bureaus around the XXXX of every month and one was sent out XX/XX/2022 with and less amount. This this does not change the fact the incorrect reporting from the previous month caused a negative affect on all XXXX of my credit reports.