davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
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)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think illegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-07-15
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-07-15
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)

Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-07-15
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number # XXXX, has violated my righs 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 1666b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with XXXX, XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-15
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. (TX)

My repeated efforts to rectify the fraudulent, inaccurate, and misleading entries on my consumer report have been ineffective. These erroneous items have severely disrupted my life, causing considerable XXXX and distress. I must emphasize that, as a victim of identity theft, I never authorized or consented to have this information associated with my identity.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The bankruptcy court does not verify nor have any jurisdiction to verify public court records. It was inaccurately verified because I have received a letter from bankruptcy court stating that they do not have any public records cases in my name or in their system which I have attached below. 

XXXX failed to show proof of verification nor mail me proof of who verified these erroneous records. It is aggravated identity to use a person information without written consent. XXXX and transition has XXXX different reference numbers of a public record on my credit report which shows that it was inaccurately verified. it is a credit bureau Duty to share the same information across all credit report and do a proper investigation to ensure maximum possible accuracy.
Consumer complaint received 2024-08-23
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. (NY)

The item has still not been shipped let alone delivered. Even when I call now almost a year later they tell me the item will be ready to ship in XXXX weeks or by the end of the month. They have been doing that every single time we call for the past year and it's getting frustrating and I just want my money back. When I called the supplier for the item they said the item is in stock and no orders have been made by XXXX for this item in the past year. They scammed me out for the money and never shipped the product. The order number is XXXX. If you call ( XXXX ) XXXX and give them the order number and the name XXXX they will tell them the exact same thing. The item hasn't shipped over a year and it's always the same thing. Also I have a recording of the call I want to send to them so you can hear my latest conversation with them. They had told me the item would ship at the end of XXXX but still a month later I got nothing. At this point I just want my money back and for this to be over. Please do the research and rethink the decision. I have all the information you need please feel free to contact me for more information. I have proof they never sent the item and are still telling to keep waiting for the past year. If you look at the company reviews, which I wish I did, there are many people who are in the same situation as me and it's been many months and still not even an update on delivery. I have pictures of these reviews and will happily send them if you need it. My next step was to contact XXXX to see if they can help me with a dispute and file a chargeback. Even though I have all the evidence they need to resolve the case and get my money back they claim nothing can be done because its been too long. I have been trying to send them recordings of the calls and additional information as well to no avail. XXXX refuses to help and insists I pay off the amount charge.
Consumer complaint received 2024-08-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Solutions, LLC (MA)

Letter dated : XX/XX/year> Requesting payment amount of : {$9100.00} I am writing to formally file a complaint against Asset Recovery Solutions LLC due to their repeated and harassing phone calls, which have become an ongoing issue. I am unsure of the legitamacy of the debt collection as I tried working with the named creditor and was not made aware of account being transferred to this debt collector agency. 

They call every day and multiple times a day. Despite my requests for these calls to stop, I continue to receive them multiple times a day, including on my work phone. The calls are originating from different phone numbers, making it impossible for me to block them effectively. 

This relentless behavior has not only disrupted my personal and professional life but also caused significant stress. I consider this conduct to be a violation of my consumer rights and an unwarranted invasion of my privacy.
Consumer complaint received 2024-09-05
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. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/year>, I received a voicemail from the phone number ( XXXX ), where a person identifying herself as XXXX XXXX stated, My name is XXXX XXXX. I am contacting you in reference to a complaint that has been forwarded to my office. If you wish to discuss these pending things that may be filed against you, you can contact the firm and control this matter. You can reach them directly at XXXX. Please be advised that this call has been logged and submitted as proof that you have been notified of this pending. 

When I returned the call, the person I spoke with claimed that the purpose of their call was to give me a courtesy call that someone was scheduled to visit my address to deliver a document. When I asked what the document was, they responded, Are you not expecting a document? I said no, and they then advised me to call XXXX XXXX XXXX, but did not provide a website URL or any further information. The actual name of the firm is XXXX XXXX XXXX, not XXXX XXXX XXXX, which immediately raised suspicions. 

After this unsettling interaction, I immediately called XXXX XXXX XXXX, and requested validation of the debt from XXXX XXXX XXXX under the Fair Debt Collection Practices Act ( FDCPA ), as I do not recognize or acknowledge this debt. XXXX XXXX XXXX responded by providing only a Release of Liability document, which did not fulfill the requirements for proper debt validation. 

Despite my clear communication that I required full debt validation before acknowledging the debt, XXXX XXXX XXXX continued to contact me, threatening litigation and pressuring me to settle the debt. On [ Insert Date of Follow-Up Communication ], I reiterated my demand for proper validation and explicitly requested that all collection activities, including any mention of litigation, cease until validation was provided. 

In response, XXXX XXXX XXXX continued to disregard my rights under the FDCPA, attempting to justify their actions by claiming that the matter was in the preliminary stages of litigation and therefore not subject to the standard debt validation process. They further suggested that I seek legal counsel, which I found to be condescending and irrelevant, as I am fully aware of my legal rights. 

XXXX XXXX XXXX has failed to provide the required debt validation, continued to engage in collection activities, and attempted to intimidate me with litigation threats, all in violation of the FDCPA.
Consumer complaint received 2024-08-22
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: CREDIT ACCEPTANCE CORPORATION (MI)

XXXX credit inquiry needs to be removed from my credit report and credit acceptance needs to be removed like they told me they were going to remove it from XXXX and XXXX and XXXX  XXXX XXXX needs to be removed from all XXXX  XXXX  XXXX and XXXX this is harming my mortgage application.
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (TX)

On or around XX/XX/year>, an individual, or individuals hacked into the email server of my general contractor ( XXXXXXXX XXXX a texas based company ) and intercepted emails between the contractor and my bank XXXX XXXX regarding a legitimate transaction. They then created a fraudulent account at Citibank under the contractors name and requested funds be wired to that account sending an email from my contractors server. On XX/XX/XXXX, I, on behalf of XXXX XXXX wired {$660000.00} to this account at Citibank. The next day XX/XX/XXXX when the contractor had not the received the funds they reached out to me and I forwarded them the emails and it became clear some fraudulent activity had occurred. I notified XXXX XXXX  immediately and on XX/XX/XXXX, filed a complaint with the Internet Criminal Complaint Center ( XXXX ) and my local police. Later that day an FBI agent called me and advised me he had contacted Citibank and XXXXXXXX XXXX needed to issue a recall and send a letter of indemnification which XXXX had apparently already done. Since then XXXX XXXX, myself and the contractor who had a fraudulent account created in their name have tried to get information on the funds from Citibank directly unsuccessfully.
Consumer complaint received 2024-08-22
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (VA)

On XX/XX/year>, a formal written communication was sent to Amsher Collection Services. The letter, which was sent via certified mail, was received at their address on XX/XX/year>, with receipt acknowledgment signed by an individual at that location. The letter concerned an account they are allegedly reporting on my credit report, and I formally requested validation of the account, expecting a response within the legally mandated timeframe. It has now been XXXX months without any response from Amsher Collection Services. According to Virginia state law, debt collectors are required to respond to a validation request within 30 days. Given that I have not received any form of validation, Amsher Collection Services is in violation of the Fair Debt Collection Practices Act ( FDCPA )..
Consumer complaint received 2021-05-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Crossroads Systems Inc. (GA)

On XX/XX/2021 I received my docusign loan documents. XXXX XXXX is the platform that I used to request the loan. I was told I would be funded in 7-10 working days its been 34 days. I created several funding inquirie tickets, I called ( XXXX ) XXXX, I spoke with the receptionist. She told me 24-48 hours someone would reach out to me. They have the funds and XXXX XXXX is the CFO on the promissory note. My SBA Loan # is XXXX. I signed documents before people that signed on XXXX or later and they are receiving their funds. Its like they just forgot about disbursing my loan that been approved by the SBA and sent to Capital Plus Financial.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (FL)

Problem Description : American Express has improperly reported or utilized my credit card utilization data in a way that negatively impacts my credit score, without proper notice or adherence to federal privacy regulations.

Legal Basis : 1. 16 CFR Part 313 ( Regulation P ) : Under 16 CFR Part 313, American Express is required to protect the privacy of my financial information and must provide notice and an opportunity to opt out of sharing my information with third parties. I believe that American Express has failed to comply with these privacy requirements in the handling and reporting of my credit card utilization data.

2. 16 CFR 443.2 - Improper Use of Consumer Reports : According to 16 CFR 443.2, consumer reports must be used only for purposes allowed by law. If American Express has used or reported my credit utilization data in ways that are not legally permissible or without my consent, this constitutes a violation of this regulation. 

Impact on You : The improper handling and reporting of my credit utilization data by American Express has caused significant harm to my credit score, which has affected my ability to obtain new credit or favorable terms on existing credit.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (FL)

On XX/XX/2024, I sent a letter to Citibank to re-activate my savings account. I also requested that my account is to be closed and to send a check to my address. They activated my account, but did not close my account. In XX/XX/2024, I requested a new ATM card and they complied. On XX/XX/2024, I requested that my account be closed once again and was told that it could not be closed, because the account was inactive. 

CFPB has not done enough to resolve this problem to my satisfaction.
Consumer complaint received 2024-08-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BOEING EMPLOYEES CREDIT UNION (WA)

We paid off the remaining balance on our auto loan in XXXX of XXXX. The balance due after we made the final payment showed as {$0.00} on the account, therefore we believed we were done paying it off entirely. However, after paying off the loan entirely there was an Account Payoff charge of {$35.00} that was added to our account that we were not aware of. As a result, we incurred a XXXX XXXX XXXX of {$5.00}. When we became aware of the late fee in XXXX of XXXX, we contacted our bank lender about this issue on our account and they explained that the amount due had been because of a Transfer of XXXX fee. They were understanding about us being unaware of a final charge and had therefore waived the XXXX XXXX XXXX fee. We thought the situation was resolved. However, we noticed this still shows up as a 'late payment ' on our credit report which has resulted in a significant drop in our XXXX XXXX. We are requesting a courtesy deletion to have this late payment removed from our credit report due to the circumstances and our reason for paying late.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NM)

I am filing a complaint regarding the management of how transactions are posted on the Wells Fargo App for the checking account. This has caused the correct balance to not reflect on the available balance for the app. 

My last transaction was on XXXX for {$7.00} and on Monday, XX/XX/year>2024 I had the balance of {$150.00}, for which I have a screen shot for that and on that same day I noticed XXXX unauthorized transactions for the following : 1. XXXX for {$16.00} 2. XXXX for {$16.00} I disputed these charges right away and I was issued a credit which brought the account available balance to reflect {$140.00}, meaning I was missing {$2.00} when the original balance was {$150.00} and not {$140.00}. Keep in mind I had no other transactions to fall through and my card was cancelled the same day I disputed. 

Now today, XX/XX/year>2024 I show the funds were deducted again for those XXXX unauthorized charges, after I had shown the day before a credit for these XXXX transactions was issued. This clearly shows, the funds were taken back and not credited. I called Wells Fargo early in the morning as soon I saw this and they explained transaction do not get orderly posted, meaning this is messing with the numbers by not reflecting the actual correct available balance that needs to reflect. 

I have tried to attach the screenshots I have showing my claim, but I was not able to. I can email them if needed. Thank you.