davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have had a secured credit card with Fifth Third Bank for several years in the amount of {$300.00}. On or about XX/XX/year> the Bank approved an increase to a {$5000.00} credit limit. Fifth Third Bank withdrew {$5000.00} from my savings account, instead of {$4700.00} which added to the {$300.00} they had previously withdrawn from my savings account adds up to {$5300.00}. 

Fifth Third wrongfully withdrew {$300.00} from my savings account that was not authorized. 

Additionally, Fifth Third Bank does not itemize in the bank statements that they have withdrawn the money for the secured credit card nor do they indicate anywhere in the statements that they are holding the sum of {$5300.00} to secure the credit card.

This makes it difficult for consumers to track the money withdrawn by the Bank to secure credit cards. The fact that the bank took {$5000.00} and disregarded the {$300.00} currently in their possession makes me question whether there will be problems having the money refunded at the time the secured credit card is closed and whether the Bank is attempting to mislead consumers.

I called the Bank 's customer service and after 45 minutes of conversation they refused to confirm that {$5000.00} had been withdrawn from my savings account and they refused to refund my {$300.00}, stating I needed to deal with the local branch. 

I sent an email on XX/XX/year> to the agent at the local branch who had assisted me explaining the problem and asking that the bank refund the {$300.00}. I received an email stating that the agent would not help me unless I called or came into the branch. The number the agent provided is not a direct line and I could not connect with him. I work full time and can not make a trip to the bank to fix this. I wrote to the agent again on XX/XX/year> and asked that my money be refunded and that they also provide written proof that the bank had withdrawn {$5000.00} from my account and that they were holding the sum of {$5300.00} to secure the credit card. The agent again stated he would not assist me unless I called or came into the bank.
Consumer complaint received 2024-07-25
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: Resurgent Capital Services L.P. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely 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 2023-02-10
Product: Credit reporting, credit repair services, 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. (MD)

I recently pulled a copy of my credit report and noticed a lot of inaccuracies and inconsistencies. I sent in certified letters to the credit reporting agencies to get the reported information verified and they said all the information on the report was accurate. 

After the verification process I checked my credit report again and noticed the same inaccuracies as before after a new thorough research Below are the inquiries I am disputing : Creditor Name - XXXX XXXX XXXX XXXX Type of Business - Credit Unions Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - XXXX Type of Business - XXXX XXXX Date of inquiry - XX/XX/2022 Credit Bureau XXXX XXXX Creditor Name - XXXX  Type of Business - Bank Credit Cards Date of inquiry - XX/XX/2022 Credit Bureau XXXX Experian Creditor Name XXXX XXXX  XXXX XXXX  Type of Business - Bank Credit Cards Date of inquiry - XX/XX/2022 Credit Bureau XXXX XXXX Creditor Name - XXXX XXXX Type of Business XXXX Bank Credit Cards Date of inquiry - XX/XX/2022 Credit Bureau XXXX XXXX Creditor Name XXXX XXXX Type of Business - Date of inquiry - XX/XX/2022 Credit Bureau - XXXX Creditor Name - XXXX XXXX XXXX XXXX XXXX Type of Business - Federal Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - XXXX XXXX XXXX XXXX XXXX Type of Business - Federal Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - XXXX  Type of Business - Tenant Screeners Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - XXXX  Type of Business - Personal Loan Companies Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - XXXX  Type of Business - Personal Loan Companies Date of inquiry - XX/XX/2022 Credit Bureau - XXXX  Creditor Name XXXX XXXX XXXX Type of Business - Miscellaneous Finance Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - EXPERIAN BUSINESS Type of Business - Credit Bureau Inquiries Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - XXXX Type of Business XXXX Personal Loan Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - XXXX XXXX XXXX XXXX XXXX Type of Business - Federal Date of inquiry - XX/XX/2022 Credit Bureau - Experian In accordance with the Fair Credit Reporting act the above accounts has violated my rights. 

Section 604 - 15 U.S. code 1681 B - This law states the the bureaus don't have any right to report anything on your credit without your permission.

Section 605 A - 15 U.S. code 1681 C-1 states that without consent to share your information it is identity theft Section 605 B - 15 U.S. code 1681 C-2 states if you are notified of anything on your credit it is identity theft
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

In XX/XX/XXXX I reviewed my credit report and noticed several accounts i believe to be fraudulent. I believe these accounts come from one of two security breaches i was involved in the XXXX data security breach of XX/XX/XXXX and the XXXX XXXX XXXX breach of XX/XX/XXXX. i would like these items removed from my report as soon as possible. I am a victim of identity theft and need these items removed immediately.
Consumer complaint received 2024-07-25
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

I failed identity theft years ago, and these companies that I have no knowledge of constantly keep running my credit that I have no knowledge of and I contact them and let them know that this identity theft, and they put me through a hassle just to dispute the transactions in Charge offs and I called all three credit bureaus to dispute these accounts and I got ta keep calling just for them to put the dispute through so I went from having XXXX credit score to XXXX starting from XXXX to now XXXX now I have XXXX unknown inquiries that I have no idea or knowledge of and its hard to get it off my account so Im trying to get my credit back in good standers like it was before
Consumer complaint received 2024-07-25
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (FL)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (GA)

I had a credit card with XXXX XXXX in 2023 and I had XXXX XXXX XXXX and wasn't able to make my payments. I had a balance of {$580.00} with XXXX XXXX XXXX XXXX violated my rights by selling my personal information to Midland Credit XXXX The account number with Midland Credit starts with these numbers or it ends with these numbers XXXX. Under Consumer Law 15 U.S. Code 1681 also known as the Fair Credit Reporting Act ( FCRA ), governs the access to Consumer Credit Report records and protects the privacy of personal information.The law requires consumer reporting agencies ( CRAs ) to act fairly and impartially and to respect a consumer 's right to privacy. XXXX XXXX violated this law and my rights.I wasn't notified by XXXX XXXX or by mail or any other kind if written receipt that this kind of action was going to be done. Consumer law states that the Consumer must be notified within 15 days before any further activities can be done. Under 15 U.S.Code 1681 the following Permissible purposes this information was not pertaining to employment or insurance under writing, tenant screening, or national security investigations. This is unfair and ethical to a consumer! 15 U.S.code1681 4b states the Improper utilization of Relevance on the Consumer Report Accuracy and Fairness.
Consumer complaint received 2024-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (MS)

On XX/XX/year>, I submitted an online payment for my car loan to Truist Bank in the amount of {$640.00} ( XX/XX/year> payment ). I took a screenshot of the confirmation of payment as soon as it was submitted. On XX/XX/year>, I received notification from my bank that Truist charged me {$1200.00}. I contacted Truist, explained the situation and the representative told me that I made a payment for XXXX and XXXX and since I caused the error, they couldnt reverse the payment. I advised the representative that I did not make a double payment because at the time only the XXXX payment was due and my confirmation shows that only {$640.00} was paid. She said it was nothing they could do. I told her that fraudulent activity occurred because this is not a payment amount that I authorized and taking that amount of money from my account has caused a strain because I have other bills. I advised her that I was disappointed in the situation and the lack of concern for an error made by their staff/system. She told me that I would accrue a fee if the payment was returned by my bank even though I was charged more than what I authorized. She did say that she could see my payment of {$640.00} on XX/XX/year>, but continued to blame me for the additional {$640.00}. However, she couldnt tell me when the additional payment was applied or from what source. She said she didnt know how to access it in the system.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I HAVE PREVIOUSLY DISPUTED BANKRUPTCY XXXX WITH XXXX, XXXX, and Equifax. IN RESPONSE, THEY VERIFIED THE ITEM AS ACCURATE, STATING THAT THEY HAVE VERIFIED THE INFORMATION WITH THE COURT. 

I CONTACTED THE COURT. AND THEIR RESPONSE IS THEY DO NOT REPORT OR VERIFY INFORMATION WITH THE CREDIT BUREAUS. 

IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. 

EITHER WAY. THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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 trafficking according to Trafficking-Debt 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 informatin requested from the list of acceptable itms which only 2 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 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc. (NC)

On Monday XX/XX/2024, I went into XXXX XXXX XXXX Bank on XXXX XXXX in XXXX, NC to deposit a check. The check was going to have to be held for 4 days, so I decided to.go to another bank, yet. I made sure to change my 3-digit voice response pin before I left to secure my account that afternoon. Not even 30 minutes later, I was unable to authenticate my Cash App account. I was able to use my phone number, pin number, and receive a message to my cell phone, but Cash App said that my identity could not be verified after these attempts and my debit card to XXXX XXXX XXXX XXXX was linked to that Cash App card with my information. I was able to speak with a representative who transferred my account to a new account. I had to use a new email and create a new Cash App name to do this.
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

my ex partner filed taxes using my cashapp she hacked i got a letter from cashapp and the irs she has been using crypto and bitcion i froze all and any accounts but she is still using stock and bitcion and theres a broker deal she is claiming
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I'm a XXXX and a client gave me a check of XXXX and he called in to verify that he is the maker of the check and after the money cleared in my account chase decided to put a freeze my account with all money in it since they think that its fraud. Even if the maker is their client they say that they don't have a number to reach him. I even went with the maker to a chase bank but the teller at the bank said that since its the back office making the problems they cant do anything and now my account is locked for no reason I have venders and employees that I have to pay them and I don't have access to MY money.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year>XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-24
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: ALLY FINANCIAL INC. (NC)

This account was discharged in XXXX XXXX Order of Discharge that has been furnished multiple times to credit card company and to XXXX, XXXX  and XXXX credit bureaus.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

For the past six months, I have been attempting to resolve a dispute with the credit reporting companies. Despite my repeated efforts, all I receive are letters stating that the issue has been resolved, but the problem persists. Specifically, the companies have failed to address an erroneous charge on my account. I have contacted the credit reporting companies multiple times via mail and phone, submitted formal dispute letters with supporting documentation, and followed up regularly to check the status of my disputes. However, I continue to receive repeated letters stating that the issue has been resolved, but the incorrect information remains on my report. Despite my diligent efforts, the issue has not been corrected, which has adversely affected my credit score and financial standing. I am seeking assistance from the CFPB to resolve this matter promptly and ensure the accuracy of my credit report. Thank you for your attention to this matter.
Consumer complaint received 2024-06-26
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: EQUIFAX, INC. (NY)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX XXXX XXXX.