davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I created a Checking account with Capital one bank. I received money from friends and family for different purposes. Capital One bank froze my funds around XX/XX/2023 and said they were doing some investigations on the source of the funds to protect their customers. I provided all the informations and contacts they asked for but they didn't give me any feedback on the status of thier investigation. I went to their branches several times and they told me to be patient. 
I waited several months and my money was gaining interest. I had XXXX in the account. In XX/XX/2023 I received a Bank statement with XXXX  on it from Capital One bank. 
I later received a Notice that my bank account has been closed and they will mail my funds to me. Unfortunately for me, the mail me a check with just {$0.00} in it. I later received another Bank statement showing that I have {$0.00} in my account with Capital One. 

I have been to their branches but no help was given to me nor explanation to what happened and where they sent my funds to. They gave me a number to call but no one is responding to the calls. I'm frustrated and needs my money to pay my Student loans.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

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 2024-01-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (GA)

This dept collector engaged in abusive, deceptive, and unfair practices of the FDCPA which is prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they did not follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-04-09
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my acct. This acct is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-01-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Entrata Inc. (NV)

This debt was appointed to my ex-wife in divorce by a judge, I can not rent a new place anywhere due to this eviction and debt it's crippling. The reason for eviction and debt was damages caused by my ex-wife, and her stalking me after after committing domestic battery against me. This is why the judge appointed this debt to her. She was a cosigner on the lease of the place before she was removed due to my protection order requiring it be so. I am unsure of what do and need help the debt collection agency will not assist even after being provided my divorce documents that state this debt is no longer mine
Consumer complaint received 2024-01-30
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The dispute arises from a transaction made in XX/XX/XXXX, wherein I made a purchase totaling {$180.00}. On XX/XX/XXXX, I returned all purchased items and received a 100 % refund thus leaving me to believe that I had settled my account. Unfortunately, it came to my attention that a balance of {$1.00} remained outstanding, I never received an e-statement in XXXX ( you don't when there's no balance or activity ) So I was unaware of this balance until I received a statement on XX/XX/XXXX stating that there was a past due balance previously due on XX/XX/XXXX but there was no prior correspondence, reminders, phone calls, emails, or statements notifying me of the outstanding balance. 
Throughout the year XXXX, I received a total of 6 electronic statements on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, only one of these statements included information about the {$1.00} balance and that was the statement on XX/XX/XXXX. This lack of communication has left me in a position where I was unable to rectify the balance due to the lack of knowledge it even existed. I am now left with a 30 day late payment on my credit ( The 1st in my 18 years of credit history ) for a {$1.00} i wasn't even aware of.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please delete the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: ALLY FINANCIAL INC. (VA)

Ally sent me a letter ( around XX/XX/XXXX ) stating that I had a credit to my account of XXXX. I ask Ally to sent me my credit as a refund via check mailed to me personally. This process supposed had started near the end of XXXX of cutting me a check and mailing it to me. It's the end of XX/XX/XXXX, no check as of yet and I keep getting the run around that check has been mailed and I should receive it by XXXX of XX/XX/XXXX, no check. Customer service keep saying check has been cut and mailed, but they can not verified that the check has been mailed nor can they talk to the department or person that should had cut the check. That's the real problem, nobody can speak with the department that supposed to had cut the check to verified that the check was cut and really mailed. All customer service states that the process of requesting that the check be cut and mailed but they can not and have been able to 1 ) tell me that the check was cutted or mailed. Can someone please verified that my check in the amount of XXXX} was cut and verified that it was mailed... Please
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

The amount was roughly {$620.00} for an online XXXX for an in-store pick-up. Filed a fraud claim with my bank Fifth Third Bank. My claim was denied because XXXX said XXXX XXXX told them it was a valid transaction. Of course it was a valid transaction... someone used my credit card information and purchased something and the charge went through... BUT I DIDNT MAKE A PURCHASE AT XXXX XXXX or XXXX
Consumer complaint received 2024-04-30
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. (FL)

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (PA)

Companies such as XXXX XXXX XXXX and SYNCB/Amazon used my information without my consent which got me hard inquiries in my credit report. I did attempt to apply but never got an agreement or consent to use my information to read my credit or any other personal information of mine. I wish for these two unknown credit companies to remove those hard inquiries from my credit report for no further action to occur without my authorization. These inquiries without my consent occurred on XX/XX/2022. For the right of my authority, I recommend for the following companies to politely remove these hard inquiries.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MA)

1. XX/XX/2023- XXXX XXXX ( aunt ) deceased ; XXXX XXXX and XXXX XXXX ( nieces ) named co-executors of estate 2. XX/XX/2023 - XXXX XXXX ( Trusts and Estates Legal Assistant from XXXX, XXXX XXXX XXXX, XXXX., representing the estate of XXXX XXXX ) contacts XXXX XXXX at Chase Bank regarding safety deposit box, and sends email to XXXX, XXXX, and XXXX, confirming the documents needed and the planned date of visit to Chase Branch. 

3. XX/XX/2023 - XXXX XXXX presents all required documents to Chase Branch at XXXX XXXX, XXXX XXXX, NY XXXX, where XXXX XXXX 's safety deposit box is located [ XXXX met with XXXX XXXX ( XXXX ) XXXX, XXXX ; provided her ID, XXXX XXXX 's death certificate, Letters of Administration, XXXX XXXX 's social security number and birthdate ]. XXXX was told by XXXX that she would submit the information and get approval to return and collect contents of safety deposit box within 7 business days. 

4. XX/XX/2023 - No response from XXXX at Chase bank, so XXXX XXXX, attempts to contact XXXX at Chase bank by phone multiple times. XXXX speaks to XXXX XXXX who informs XXXX that " XXXX is no longer there at Chase so we will have to start the process over with XXXX, since she does not have access to XXXX 's accounts ''. XXXX send certified letter via mail to XXXX XXXX including an outline of the prior events with XXXX, which documents were submitted and scanned by XXXX, contact information for the co-executors of the estate, and instructions to contact XXXX XXXX to re-collect the required documents to gain access to the safety deposit box. 

5. XX/XX/XXXX - XXXX XXXX and XXXX XXXX have attempted multiple times to contact XXXX XXXX at Chase bank for follow-up as the safety deposit box is holding up the closing of the estate. XXXX unable to be reached. 

6. XX/XX/XXXX - complaint submitted
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-02-22
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: Diversified Adjustment Service, Inc. (GA)

Subject : Cease and Desist Notice Regarding Unauthorized Credit Reporting - Compliance Required Under Federal and Georgia Identity Theft Laws Dear DIVERSIFIED ADJUSTME, I am writing to formally address a serious violation regarding the unauthorized reporting of information to my credit report, as stipulated by the Fair Credit Reporting Act ( FCRA ) under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Georgia laws pertaining to identity theft and fraud. 

It has been brought to my attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, which is a clear violation of federal and state laws. The FCRA explicitly mandates that consumer consent is a prerequisite for such reporting activities under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition to federal law, Georgia state law, particularly statutes related to identity theft and fraud, emphasize the critical importance of consumer consent for credit reporting. The unauthorized access and misuse of personal information, as outlined in Georgia statutes, are serious offenses that carry significant penalties. 

I wish to make it unequivocally clear that I have not granted consent for XXXX XXXX to report any information to my credit report. This absence of explicit permission constitutes a blatant infringement of my rights and could potentially harm my creditworthiness, in direct violation of federal and Georgia laws. 

I hereby demand, with utmost urgency, that XXXX XXXX immediately cease all further reporting of information to my credit report without obtaining my explicit consent, as mandated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) of the FCRA and relevant Georgia identity theft and fraud laws. Failure to comply within 30 days will be considered willful noncompliance and may result in legal action, including penalties under applicable laws. 

Compliance with these legal obligations is not optional but imperative. This is a demand for adherence to federal and state regulations designed to protect consumers from unauthorized and detrimental credit reporting practices. 

I expect prompt attention to this matter and trust that XXXX  XXXX will rectify these egregious violations in accordance with federal and Georgia laws, thereby respecting my rights as a consumer. 

This communication is made in good faith.
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PROVIDENT FUNDING ASSOCIATES (MT)

My complaint is not with any individual company but with the entire industry. I have had 4 different servicers in 3.5 years of having a mortgage. Each time I am required to sign up for their service and reenter my information so they can auto deduct from my account. I appreciate that there is a 60 day period where I can not be penalized but this is so aggravating. I know its because my loan is just being bought and sold like stock so each of these companies can make a marginal gain. They each provide no value to me with each of these transactions, I see no discount or return for them passing it along. My consistent payment and income makes my loan a desirable product for which see no return and my labor in to continue to keep up with this obnoxious buying/selling is unpaid. This is exploitation.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws. 
Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations.

Furthermore, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations. 
Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system. 
Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above. 
In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the purchase agreement between your agency and the original creditor. Furthermore, I request proof of your agency 's licensing and bonding, as required by law. 
Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 

Sincerely, XXXX XXXX