davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (TX)

Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors.

15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing.

15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. 

The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX - LAST 4 SS # XXXX XXXX XXXX - LAST 4 SS # XXXX I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. 

Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves.
Consumer complaint received 2021-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANCO POPULAR DE PUERTO RICO (PR)

On XX/XX/XXXX on Banco Popular i have the balance to cover 3 ach transactions from XXXX on XX/XX/XXXX, the bank processed the transaction late causing my account to get over the balance. The bank charged {$15.00} for over the limit. Having the balance the bank used the funds to cover a XXXX XXXX XXXX transaction on the same day. 
The bank dont send the required by law statements. And dont pay the transaction returning the payment and thefting my money.
Consumer complaint received 2024-05-12
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. (FL)

Under 15 USC 1681, my federally protected consumer rights to confidentiality and anonymity have been violated by the list of accounts below. 
SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have violated my rights. I looked at my Experian credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. 

And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates, according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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 2024-06-01
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: EQUIFAX, INC. (TX)

NATIONAL CREDIT ADJUSTERS HAS CLOSED THE ACCOUNT AND TAKEN IT OFF MY CREDIT REPORT EQUIFAX HAS LEFT IT ON MY CREDIT REPORT AND EVERY TIME I DISPUTE THE ACCOUNT IT COMES BACK AS VERIFIED THAT IT WAS SOLD TO THE DEBT COLLECTOR XXXX XXXX AND THE DEBT COLLECTOR HAS TAKEN IT OFF MY CREDIT REPORT AND HOW CAN XXXX VERIFIED AND THEY SOLD IT TO THE DEBT COLLECTOR
Consumer complaint received 2024-05-12
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 disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX Account name XXXXXXXX XXXX Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-15
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. (IN)

NOTICE AND DEMAND FOR UNAUTHORIZED INQUIRY ON XXXX SETTLEMENT OF CONSUMER REPORT To : Whom It May Concern This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transterred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on these without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have not initiated any transaction with. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore , I do not have an `` account '' as defined under 15 U.S.C. 1693 ( 2 ) for review or collection. 

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 
Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].

Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Best regards
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (TX)

I have sent this letter to National Recovery, Under the Fair Debt collection Practices Act ( FDCPA ), I am requesting proof that there is some contractual obligation that is binding on me to pay the following debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION as to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
If any negative mark is found or continues to report on any of my credit reports ( including XXXX, XXXX and XXXX ) by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act. 
If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that can be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a count venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this notice has the same effect as a dispute to the validity of the alleged debt and dispute to the validity of your claims.
Consumer complaint received 2024-05-15
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. (GA)

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), XXXX, Equifax and XXXX must authenticate this account. ( A ). Treating this reporting account as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) are mentioned. ( A ), kindly look at the following unverified account : XXXX XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2021-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANCO POPULAR DE PUERTO RICO (PR)

I need my bank statements from XX/XX/XXXX to XX/XX/XXXX ; I have been asking Banco Popular de Puerto Rico - where my account is from XXXX until now for this evidence ; and the answer is that they destroyed the information, that they only hold the last seven ( 7 ) years. That they charged {$10.00} dollar per page ; which is outrageous, but still I'm the one who needs the information. 

Please, help me!!! 

This a personal account.
Consumer complaint received 2024-05-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (KS)

Navy Federal Credit Union has falsely reported a payment made in XX/XX/XXXX and in XX/XX/XXXX in an effort to renew the account status. This is a gross violation of federal law. This gross violation also occurred by reporting an alleged payment on XX/XX/XXXX. No such payments were made as evident by NFCU reporting those payments amounts as {$0.00} for those dates. As NFCU is intentionally violating federal law in order to renew the account status by fraud, I demand the account be removed permanently from my credit report, and cease and desist all collection efforts due to their intentional fraudulent statements and reporting in violation of FDCPRA & FCRA. If NFCU wants to continue to claim a payment was made on the account, I demand they provide proof of the payment, including an original receipt showing the date, the amount, the branch and teller who allegedly received such payment.
Consumer complaint received 2024-05-15
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)

This is to follow up despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$620.00} XXXX  XXXX XXXX Balance : {$860.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} IL XXXX  XXXX Balance : $ XXXX. Charged Off : IL XXXX XXXX Balance : {$2400.00} IL XXXX  XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX : {$870.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} IL XXXX  XXXX Balance : {$0.00} IL XXXX  XXXX Balance : {$2400.00} IL XXXX XXXX Balance : {$9700.00} IL XXXX  XXXX Balance : {$920.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST ADVANTAGE CORPORATION (PR)

Wanted two birth certificates from vital Chek.In XXXX of 2020 paid {$67.00} and never received the documents.Since the documents were urgently needed I ordered them again in XX/XX/2020 this time I paid $ XXXX no documents and no refund from payment in XXXX and XXXX vital Chek via phone or email is a waste of time ( No Answer ).
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

This account is settled and closed. I have enclosed the 1099C along with other forms that have to do with the discharge and this needs to reflect and be removed from all three Credit agencies. Not only is the information incorrect from one credit report and agency to the other, I am given each one of these credit agencies 10 days to remove this before I file for a lawsuit for damages again I have enclosed the paperwork that they will need. Thank you XXXX executor
Consumer complaint received 2023-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Silverman Theologou, LLP (DC)

I paid off a debt directly with my bank 's internal collection agency in XX/XX/2023. I recently received a letter postmarked XX/XX/XXXX from XXXX XXXX XXXX to collect credit card debt from my bank ( XXXX  ). The notice looks legit and has a reply form for me to include payment and a number I can call to pay it over the phone. I called the number, and there was no person to speak to ; the initial prompt offer was to make a payment, but as I continued on the line to try to talk to someone, it went on an indefinite hold. 

The postdate and notice date were a dead giveaway for me, but I wanted to call to catch them.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

Hello, my name is XXXX XXXX, and I am writing this complaint regarding my Hilton Honors American Express Surpass Card. I received an advertisement ( with a specific code ) in the mail to submit an application to potentially earn XXXX bonus points and a free night reward if I spent {$2000.00} in purchases in the first three months. The annual fee is {$95.00}. I applied for the card on XX/XX/XXXX and was approved the same day for {$1000.00}. I reached out to customer service on XX/XX/XXXX at XXXX XXXX  Eastern time to discuss why I received a low credit limit, how I was supposed to use it for hotel stays, and how I could acquire the advertised awards. The representative indicated I could spend a certain amount monthly, pay it off and keep repeating for XXXX months. I told him there was no way I would have applied or wasted a credit inquiry for the {$1000.00} ( - {$95.00} annual fee ) that is charged the first month of the account. I can not use this credit card to secure a hotel ( I planned to use it for a trip to XXXX XXXX ) for XXXX XXXX weekend. The purpose of the card is to acquire points at Hilton Hotels. After waiting 20 minutes for a supervisor, I was told a XXXX would call me back. It has been over XXXX hours, no call. I am disappointed in American Express as I have no issues with three other credit cards with the company. I believe this was a false advertisement to have individuals apply and pay a hefty annual fee but be unable to use the card.
Consumer complaint received 2024-08-25
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: DISCOVER BANK (NJ)

My XXXX account was stolen and was placed an order in XXXX store for a Pixel XXXX XXXX on XX/XX/year>, and was paid for with my associated Discover credit card. The total transaction was {$500.00} including tax. Because my XXXX account was stolen, which includes XXXX, so I guess the order confirmation and receipt email was immediately deleted so I got XXXX notice of the transaction. I only found out about the transaction when viewing my Discover credit card statement later when trying to pay the credit card. I immediately disputed the charge with XXXX twice, but XXXX refused to refund me twice. Then I disputed the charge through Discover credit card, and once again, Discover refused to refund me. 
Throught the process, my account was somehow stolen and the purchase was done completely without my permission or knowledge. I have never shared my XXXX account or Discover credit card with any other person. My account was stolen because of the poor security measures by XXXX, so XXXX should refund me the money that I did not spend. Also, I believe Discover should honor their promise to refund any unauthorized charges.
Consumer complaint received 2024-05-15
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: EQUIFAX, INC. (CA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (AZ)

I am in between jobs so my account does not have as much cash as I wish it did in it. Apparently, Wells Fargo changed my account a year ago to some different kind of every day checking and it gave me a 12 month break from service fees, all of this was done without my knowledge. Then, monthly service fees just started last month I got charged on the XXXX, when my account was close to empty and the monthly service fee, put it in danger of getting an overdraft charge, yesterday I went to the store had {$4.00} in my account bought something for XXXX dollars and wake up this morning to my account saying its overdrawn because apparently a monthly service fee was attached to my account yesterday, the XXXX, which I didnt see and couldnt see until this morning. The inconsistencies of date when the charge is attached and of them changing my account without acknowledging it, and letting me know until I inquire about it is just completely unacceptable to me and with XXXX XXXX history, Im wondering how many other people are in my similar situation. How many accounts does Wells Fargo tap and take money off the top of when the customer needs it the most. There is a reason people dont bank, it is a scamthey profit off of your money and charge you to do so. The way you know its a scam is theyre willing to give you your money back every time you complain about the monthly service fee, they know themselves that it is not their best look.