davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I have an account with XXXX and I C System is illegally trying to collect on a debt that is covered by the arbitration clause in my service agreement. In violation of the FDCPA, I C System has posted the collection account on my credit report.
Consumer complaint received 2024-07-26
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Kohn Law Firm S.C. (IL)

My father XXXX XXXX passed away XXXX years ago. He has XXXX homes in his name, one which he purchased for me and I always paid the monthly mortgage. Deed finally got put in my name but mortgage still in his. Trying to get everything in my name and ran into a Lien placed on his name which I had no idea about. The judgement says one amount and my dads actual address but my title company says it will attach to all his properties. Also Lien company is tagging interest of {$4000.00} extra on. Company will not take my calls to try and come to a resolution for something that isnt mine and my dad has been gone XXXX years. Just looking for some help.
Consumer complaint received 2024-08-06
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: HANCOCK WHITNEY BANK (AL)

This company has outdated systems that misinform the consumer of what their account balances actually are as well as kick payments back with no reason why. Ive gone into the bank on serval occasions to be told someone would contact me and no one never will. Ive looked online and this is an ongoing problem with this institution.This banks makes it next to impossible to service accounts within their bank. I have all these improprieties documented. 
XXXX. When you login to pay your bill the companys system states no payment is due making you think its already been paid in hopes of collecting late fees. 
2.You schedule auto pay and get a confirmation page stating its confirmed the company doesnt take the auto pay out. Ive made 3 payments in one month because of this companies lack of up to date abilities.

3. This may not be illegal but it is certainly not good customer service. When you setup autopay You are only able to pay the minimum payment or the entire balance payoff. This is a reckless banking institution and because of their callous actions my credit has been ruined for a {$10.00} payment they said was already paid. And failed to correct the problem after they were informed of it.
Consumer complaint received 2024-08-04
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: Affirm Holdings, Inc (LA)

. 
Complaint I am writing to formally dispute the followin inaccuracies on my AFFIRM INC # XXXX account, as required by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
On [ XX/XX/year> ], I submited a dispute to AFFIRM regarding [ COLLECTION ACCOUNT ]. AFFIRM INC # XXXX was obligated to complete its investigation within 30 days, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ). Howeve, to date of XX/XX/year>, AFFIRM INC # XXXX has failed to respond to my dispute, violating the XXXX timeframes. 
Additionally, AFFIRM INC failure to investigate this dispute has prevented me from exercising my rights under 15 USC 1681i ( 5 ), which requires the deletion of unverifiable information. By not verifying or correcting the disputed information within the 30-day period, AFFIRM INC XXXX XXXX has violatd this provision of the FCRA. 
Due to AFFIRM INC XXXX noncomplianc with the FCRA, I am requesting that the Consumer Financial Protection Bureau XXXX CFPB ) investigate this matter and take appropriate action. AFFIRM INC actions have caused me significant harm and inconvenience, and I expect full restitution for all damages incurred. 15 USC 1681s-2 ( 8 ) e restricted the investigation period for disputing with a creditor to USC 1681i ( A ) 1 a. Which is a 30 day period to complete its investigation. This investigation triggers all aspects of 15 USC 1681i ( 5 ) treatment of unverifieable information that must properly be deleted if the investigation can not be deemed verified within 30 days. 15 USC 1681s-2 ( 8 ) e equals 30 days response to dispute equals 15 USC 1861 i ( A ) 1 a which is equals to 15 USC 1681 s-2 ( 7 ). Im here by requesting in good faith pursuant to Rule 1002 that the Notice was sent, when was the notice sent, what notice was sent and notice the address was sent to regarding the furnishing of this negative information.

I am attaching copies of all relevant documentation, including the dispute letter sent to AFFIRM INC and any correspondence received from them. I request a prompt investigation into this matter and appropriate enforcement action against AFFIRM INC # XXXXXXXX XXXX  Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Hi There, The below account is showing up under Closed Account in my Equifax Credit report, which does not belong to me, believe this belongs to someone else and mistakenly comes under my credit information, which is significantly hurting my credit Score. 

Credit Rating Company : Equifax Account : XXXX Company : XXXX XXXX Status XXXX XXXX Can you please investigate and delete this account info from my account? 

Best Regards, XXXX XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I hope this email finds you well. I appreciate the security measures in place, but my available funds is causing significant inconvenience and i can not withdraw. I would like to bring to your attention to withdraw funds in my PayPal account associated with email address : XXXX I kindly request a thorough review of my account and this is my new account and i already submitted my identity i dont know what was happening to my account. This delay is impacting my ability to meet financial obligations. 

Your prompt attention to this matter is greatly appreciated, and I look forward to a positive resolution. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (TX)

When asked whether you have tried disputing and removing false information from your credit reports in detail without mentioning a specific company, you can respond as follows : I have taken proactive steps to address inaccuracies on my credit reports by engaging in the dispute process as outlined by the Fair Credit Reporting Act ( FCRA ). I have submitted formal disputes to the credit bureaus regarding inaccurate and misleading information on my reports. While I have made efforts to rectify these issues, I believe that the resolution process could be expedited and improved.
Consumer complaint received 2024-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear of neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. I have sent tons of dispute letters and complaints alongside my FTC report but you there at Transunion are so firm with what youre doing, and thats disregarding my complaint. Is it that hard to understand where Im coming from? Common! This is not rocket science! Please comply with the law and DELETE the accounts right away. 

XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-06-10
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. (NY)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Claim ID # : XXXX. 

Bank of America has notified me that there is a dispute of {$20000.00} initiated by XXXX due to reason Transaction is unauthorized. While this claim is being investigated Bank of America is placing a {$20000.00} hold on my funds in checking account. 
The transaction that is being referred to for dispute is a XX/XX/2024 transaction that is a DEBIT from my account to XXXX XXXX. To clarify again, this is a DEBIT from my bank account that I SENT FUND FROM MY BOA to XXXX XXXX not a deposit into my bank account. 
Given that this transaction is one that I initiated to XXXX, it makes no sense for there to be a dispute/hold of the {$20000.00} funds if XXXX is stating that transaction is unauthorized. I am the one who sent the funds out of my account, so why is there an additional {$20000.00} being held for this dispute ; this is not a chargeback of funds that was deposited into my bank account from XXXX ( aka XXXX issuing bank ), but rather funds I sent to XXXX. 
Further contact with XXXX, upon escalation with higher level customer service, confirms in attached chat response As you can see in your account activity document, the two {$20000.00} deposits were credited to your XXXX account accordingly, and there is no indication of a reversal in our system. 
All in all, I have contacted XXXX  which is the transaction I have SENT FUNDS TO and they have stated that they have no indication of a funds reversal/dispute on their end.
Consumer complaint received 2024-08-01
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: Consumer Adjustment Company Incorporated (AR)

Consumer adjustment co Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX services Account # XXXX Has violated my rights, I recently looked at my credit report and noticed some things are incomplete and not accurate XXXX XXXX. XXXX refers to a section of the United States Code that deals with the Fair Credit Reporting Act ( FCRA ). The FCRA, enacted in 1970, regulates the collection, dissemination, and use of consumer information, including consumer credit information. The law is intended to ensure fairness, accuracy, and privacy in the collection and use of consumer credit information.

Key provisions of 15 U.S.C. 1681 include : XXXX Rights : Consumers have the right to access their credit reports, dispute incorrect or incomplete information, and seek damages for violations of the FCRA. 
Obligations of XXXX XXXX XXXX : Credit reporting agencies must follow certain procedures to ensure the accuracy of the information in consumer reports and must limit the use of these reports to permissible purposes. 
User Responsibilities : Entities that use consumer reports ( such as creditors, insurers, employers ) must do so only for legally permissible purposes and must notify consumers when adverse actions are taken based on a report. 
Enforcement and Penalties : The FCRA is enforced by the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and private individuals who may bring lawsuits for violations.

The law is a critical component of U.S. consumer protection, particularly in the area of credit and finance.
Consumer complaint received 2024-08-01
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: CLGF Holdco 1, LLC (FL)

XXXX is violating 15 USC 1666b . This company is inaccurately reporting late payments on my consumer report on the following dates ; XXXX, XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

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 2023-11-21
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. (CA)

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 2023-08-29
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)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX
Consumer complaint received 2024-08-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc. (IL)

I opened up a checking account as well as a credit card processing account with Square to help me process transactions with credit card for my clients. Almost every transaction was flagged and I had to provide proof that the transaction was valid, so they took the restriction off. I processed a credit card transaction for my regular customer Ive had for over 5yrs and I get a email saying they chose closed my account. Ive been trying to speak with someone in Account Services for over a week leaving messages with other agents because apparently you cant reach them by phone they have to reach back out to you, and no ones contacted me back from that department. I spoke with an agent from customer service about my situation, so he placed me on hold to look into it and then told me that there was no reason for them to close my account. Additionally, I have over {$1600.00} in my account that theyre holding for 90days and wont release it to me until XXXX. But why are they holding my money and closing my account for no reason? With no valid or right to do so. This is unethical and wrong and are against they rules and guidelines to the consumer. But nonetheless, they want to follow the their guidelines only when it is convenient for them and not the consumers when it comes to placing holds and releasing funds from my account
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (FL)

I have a government travel card with Citi as a military member. The account was closed over 10 years ago. However, the military requires me to maintain the XXXX account. Every few years I try to get the account reinstated because of training or military missions but I get nothing but back and forth and the run around from CITI. Most recently I called CITI three times only to be on hold for an hour each time and to be given different directions each time. They return my hard copy or email application for corrections, but I make corrections and then resubmit. Then they claim they have changed the process. Sometimes I am told I have to apply for a new card, which I do then it gets declined because I can not apply for a new card, I am told I must apply for reinstatement. However, I get the run around with the reinstatement and how to correctly get this process done which takes weeks to a month to get a reply from CITI. CITI often makes me defer to my unit administration who runs the program from the military side but then they do not know the answers either. This is potential affecting my career at this point or else I would continue without the card. However, the military has relied too much on this program and it is ineffective. CITI makes XXXX XXXX XXXX  on this government contract, but they can not effectively run the program. Soldiers are left on hold for hours with terrible service and poor guidance from CITI. The government needs to take this contact away from CITI bank ASAP.
Consumer complaint received 2024-08-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (TX)

Regional Acceptance Corp has caused me to be denied credit due to incorrect credit reporting. Incorrect information that they admitted was their fault but leaves me with XXXX Inquiries. RAC will fix but dont care that because of their incorrect reporting has caused me to have a lower score. Also they change the dates to make negative information seem recent rather then years ago.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (NY)

To whom it may concern ; I am writing to request that you freeze my account and not allow access unless specifically authorized by me. Additionally I would like to opt out of presented credit offers. Please return a PIN code that I can use to unfreeze my report in the event that I would like to apply for credit. Thank you