davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC (SC)

ACCOUNT XXXX XXXXXXXX Whats up Just wan na let you know XXXX XXXX that debt you mentioned under the Fair Debt Collection Practices Act XXXX XXXX for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT XXXX XXXXXXXX plus other accounts you saying I'm oweing.
Consumer complaint received 2024-08-25
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I wasn't aware that my account was closed, until i received a credit alert on my phone from XXXX XXXX today XX/XX/year>. I went on my online account and verified that the account was closed XX/XX/year>. I called today XX/XX/year> and spoke with the XX/XX/XXXXXXXX XXXX XXXX she advised that they sent correspondence out on XX/XX/year> I advised that I didn't receive any acknowledgement of my account being at risk of closure and I also advised her that my payments have been made on time and my recent payment that was due on XX/XX/year> was made on XX/XX/year> and XX/XX/XXXX days they closed my account without any warning or correspondence sent. She advised that they dont have to notify the consumer of that, I advised to her that in accordance with the FCRA section 506 a it states you are supposed to make the consumer aware before placing it on my credit bureau reports. So I would like to file a complaint of the violation of section 506 a. And have this erroneous negative remark off all 3 of my credit files. The FCRA includes provisions that ensure the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. For example, it outlines permissible purposes for which consumer reports can be furnished, such as for credit, employment, insurance, and rental housing1. It also mandates that consumers have the right to dispute inaccurate information and requires consumer reporting agencies to investigate such dispute. FCRA Section 506 ( a ).
Consumer complaint received 2023-06-27
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. (GA)

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. 

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 has violated my rights. Or list of inquiries 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 2024-08-25
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (FL)

according to law 15 USC 1692 ( c ) clearly states that : if a consumer notifies a debt collector that the consumer refuses to pay a debt teh debt collector must cease all communication
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

Citibank is showing my Citi Double Cash Card twice on my XXXX credit report when it should only be reporting once. This has increased the amount of available credit on that credit report which resulted in a denial for a credit card through Citi Bank. I want the credit card to be reported once instead of twice and for the hard inquiry to be removed since Citi Bank had incorrect information reporting and I was denied the card due to my amount of available credit being under used.
Consumer complaint received 2024-08-20
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: CREDIT ACCEPTANCE CORPORATION (MI)

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE LATE PAYMENTS FROM XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-08-20
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (MD)

I had been evicted from my residence in XXXX after my car accident and owed the landlord some back rent. This company IQ data said they were collecting for the individual XXXX XXXX, when I spoke with the property manager they stated they were not trying to get that much and they did not know how that sum of XXXX was generated. Later he told they do not even manage that property anymore. The debt collocation put this on my credit report and stated I had to pay and this was on XX/XX/XXXX th 2024. I am now trying to get the money back using my bank. The company is IQ Data and they falsely represented the property manager and rental place.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

Wired XXXX to Chase from national financial on XX/XX/XXXX Account was closed just before the $ was sent It is now XX/XX/XXXX and they still have not returned the XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (GA)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy. 
Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I sent a very detailed letter with exhibits showing the inaccuracies on my credit report back on XX/XX/2023. I will attach a copy for your review and a copy of the Certified Mail tracking reciept to this complaint. I never recieved any updates from the credit bureaus other that that they were verified. They didn't update anything so the errors are still on my credit report. According to the FCRA they need to remove in inaccurate information or update it. They didn't correct the inaccurate information and they didn't delete any of the inaccurate items either. The credit Bureaus just simply claim they are verified and that is it. They just want people to give up ... .. My next step will be to take them to court for each violation. I would much rather they simply delete the inaccurate accounts. If they do not delete them they need to prove these are accurate and show me how these are validated.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from My Credit report for myself XXXX XXXX last XXXX of social security number is XXXX, XXXX XX/XX/XXXX. PLEASE DELETE THE FOLLOWING XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX {$34000.00} XXXX XXXX {$140.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$740.00}
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On XX/XX/XXXX, I attempted to make a purchase with a merchant ( XXXX  ) for {$54.00}. Funds were available in my account. However, on today XX/XX/XXXX, I was verbally informed by a Golden 1 Credit Union Bank Representative ( XXXX-Teller # XXXX ), via a customer service call into the bank that the transaction/purchase for {$54.00} was approved but due to a " hard wire malfunction '' coming from the merchant ( XXXX 's ) end the transaction did not go through. 

I was informed by Golden One Credit Union that two different attempts were made to the merchant ( XXXX  ) on this date ( XX/XX/XXXX ). However, only the transaction was approved to go through. 

Upon me contacting the merchant ( XXXX  ), I was informed by the merchant that the transaction was cancelled by my bank several minutes after the transaction was completed, due to fraud protection from the bank. 

This bank has several different previous instances involving transactions I have attempted to complete without going through. I am concerned. In addition, this most recent incident took place on XX/XX/XXXX. Golden One Credit Union did not provide fraud alert verification of this incident occurring, and upon me inquiring regarding the matter, this bank does not take responsibility for its actions. 
I have attached a copy of the order Last, regarding a differing matter, date and year ( year XXXX ), the bank provided my personal contact number on bank correspondence the bank mailed me. I contacted the bank and filed a verbal grievance ( escalated concerns to Escalation Dept ) regarding these unnecessary actions by my bank.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

This Complaint is against Wells Fargo, their way of doing business, and their mismanagement of customers monies in which they have been trusted with. This complaint will have specific focus on two fraudulent transactions in which Wells Fargo allowed, which was after XXXX replaced {$4000.00} on XX/XX/24. The {$4000.00} which replaced a {$3000.00} and {$1000.00} fraudulent transaction which they allowed. However, the total amount of fraudulent transactions allowed by XXXX is {$8800.00}. Specific details as follows : XX/XX/24 : Credit of {$4000.00} ( for ( XXXX ) fraudulent transactions ). Recurring Payment authorized on XX/XX/24 .Afterpay {$12.00} ( this was fraudulent and I did not authorize, and this needs to be replaced ). 

XX/XX/24 : XXXX authorized on XX/XX/24 to XXXX XXXX XXXX  ( I did not authorize this. I do no business with XXXX XXXX XXXX, and this needs to be replaced by XXXX. {$44.00}. )
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I called Capital One on XX/XX/year> prior to leaving for an international trip to notify them I was going abroad and that my XXXX XXXX would be the only credit card I had with me due to recent theft of my wallet with other cards. I was assured that the card did not need any notification placed on the account and it would be safe to travel with this as my one credit card abroad, and that if there were any restrictions placed I could resolve them over chat and the app as I would not have a cell phone plan on vacation. 

When I reached XXXX my card was restricted within 48 hours of arriving on XX/XX/year>. I was able to get this restriction removed after calling via WiFi to unlock it. However two hours later on XXXX it was restricted again for a XXXX XXXX  sandwich purchase. 

I used WiFi to call back immediately, and this time I was told I could only turn my phone back on if I could receive a text message to an American phone number. I explained that was impossible as Im abroad without a cell phone plan. Even if I wanted to purchase a cell phone plan to get the code I couldnt b cause my card was locked, so I could make no purchases. They said it would take 1-10 business days to resolve. I explained I could buy no food until it was turned on so I urgently needed it fixed, could they ensure it was resolved in one business day. They told me there was no way to do that, refused to escalate my call, and then hung up on me while I pleaded with them. 

I am now having to try to find friends of family in XXXX who can loan me money while this is sorted out. Its a total nightmare.
Consumer complaint received 2024-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXXXXXX a website provider made it really difficult to cancel their subscription. I canceled it and when I filed a XXXX complaint with Capital One, they provided a provisional credit but then later retracted it advising that XXXX XXXX said that they could not find a cancellation. This is a lie I have screenshots. I also have a screenshot of an email sent from XXXX XXXX advising that the bank had taken the funds. The service has been canceled
Consumer complaint received 2024-09-26
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. (FL)

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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XX/XX/XXXXshow as 90 days late from XXXX, XXXX, and XX/XX/year>. I have always been paying on time since beginning of the loan period, and I wish this to be removed from my credit reporting immediately. Thank you.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

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

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from TD Bank, has violated my rights. 

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
Consumer complaint received 2024-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (OR)

General Obligation : Description of the Incident Starting in XX/XX/year>, I became the victim of XXXX XXXX, resulting in my loss of money. To perpetrate the fraud at issue, XXXX XXXX has operated using the following domain XXXX XXXX 
Based on the information and documents provided, you can see that starting in XXXX, I transferred funds via wire transfer from Wells Fargo to XXXXXXXX XXXX XXXX XXXX, where I bought XXXX which I then sent to the fraudsters. In addition, I transferred funds from Wells Fargo to XXXX XXXX. I lost XXXX USD due to this endeavour. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Wells Fargo did not take notice of any rule, law, or regulation, and/ or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Wells Fargo s custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Wells Fargo promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Wells Fargo was in compliance with its own policies and procedures ; ( v ) whether Wells Fargo owed duties to myself, what the scope of those duties was, and whether Wells Fargo did not uphold those duties ; ( vi ) whether Wells Fargo s conduct was unfair ; and ( vii ) whether Wells Fargo has within its power the ability to, and should, compensate me for the harm that has befallen me.
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (PA)

Concora Credit tricked me in to signing up for credit protection and when I try to cancel the website is blank. Their website offers no way to contact for help. I didnt ' want credit protection but they throw up a screen as soon as you login and if you mis-type you have signed up for costly protection you didnt want.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX Account # XXXX po box XXXX XXXX, Wisconsin XXXX XXXX the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any.
Consumer complaint received 2024-08-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (LA)

This account is involved in litigation. 
I have not applied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute the unauthorized access and use of my bankruptcy information that was obtained without a permissible purpose under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681a ( 2 ).

I recently discovered that my bankruptcy information was accessed and reported by [ Name of the Entity or Source ], which, to my knowledge, does not have a permissible purpose for accessing this sensitive information. This action is in violation of the FCRA.

Under 15 USC 1681b, a person or entity must have a permissible purpose to obtain my credit report or related information. As this entity does not meet the requirements for a permissible purpose, I request that you take the following actions : Investigate the unauthorized access and use of my bankruptcy information. 
Remove the bankruptcy information reported by the unauthorized entity from my credit report. 
Provide me with written confirmation of the actions taken and a copy of my updated credit report once the investigation is complete.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 information requested from the list of acceptable items 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 ).