davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( XX/XX/2023 ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$27000.00}
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I noticed 2 fraudulent transactions on my online bank statement. I called the bank that day and was told the charges would be reversed. 
On XX/XX/XXXX the charges were still showing on my account and I called again. This time I was told that because the charges were " pending '' I could not do anything about it yet. But the money had been removed from my account on XX/XX/XXXX. They said that I had to watch the account and call back to start a claim when it was no longer " pending '' and had " posted ''. I asked what the difference is between posted and pending since the money was gone. They said none. 
I only used a debit card because the bank advertised it was as safe as a credit card, but now they are telling me it is less safe than a credit card. 
I have lost over {$3000.00} and the bank is unresponsive. 
What can I do?
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Capital Link Management, LLC (TX)

In XXXX, XXXX, my dad and myself separately received a phone call and voicemail regarding a balance and debt owed. They provided my name, a creditor and a balance to both myself and my dad ( third party ). We called the number back but it is disconnected. Eventually I found a number and linked it to Capital Link Management LLC. I emailed them on XX/XX/XXXX at XXXX to cease all text and phone communication to both of our numbers and to strictly email me or mail me. I asked them for debt validation and information, and to provide proof of what they are calling about. However, my dad and I have continued to get phone calls and texts almost daily, I never received a follow up via email or mail or debt validation. Today, XX/XX/2023, I received a text with an actual phone number I can call again. I called and told them to stop texting and calling the following numbers and that I emailed them to validate what they are claiming. The man on the phone didnt tell me the company name or his name when he answered, just that he is a manager. He asked how I knew the number if I had no association. I again told him I need communication to stop and that I was able to link the numbers because they are similar. He asked again how I knew the numbers and I didnt answer him. He was rude and told me to stop playing games and referred to me by last name although I never gave it to him, and then he hung up. This company had refused to cease texts and call communication despite me asking them to stop and failed to provide debt validation. The man on the phone also didnt confirm my identity whatsoever yet used my last name, therefore giving info to me without confirming who I was.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXXXXXX XXXX XXXX XXXXXXXX Experian XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan - Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$710.00} {$710.00} {$710.00} Date Opened : XXXX XXXX XXXX  Balance : {$27000.00} {$27000.00} {$27000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$34000.00} {$34000.00} {$34000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXXXXXX XXXX XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
**CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Consumer disputes- reinvestigation in progress Date Last Active : XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX Two-Year payment history Month 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 Experian 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 RESPONSE DISPUTE 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY!!!
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

KOHLS/CAPONE XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$260.00} {$260.00} {$300.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 90 Days Late 90 Days Late 90 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2024-07-30
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)

I want to XXXX  that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.
Consumer complaint received 2021-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

The XXXX has refused to remove a derogatory account from my credit report although I have repeatedly told them that what they have on my credit report is false and misleading. 1. The credit card they issued me had a limit of {$1000.00} and on my credit report they said it was {$700.00}. Secondly, I took back the refrigerator because it was not working properly and the cashier told me that I will see a balance of XXXX on the next bailing period. I felt that XXXX was a credible conglomerate and they were going to put the card back to XXXX but they didnt and the amount that should have went back to XXXX stayed on my card and went into delinquency and charged off.I have been trying desperately to have them removed it but they have refused to do so every time. I felt that I have been taken advantage of by XXXX because of my lack of knowledge as to what my rights are as a consumer. These people has ruined my credit and could careless about the damages they had cost me. My rights under the Fair Credit Reporting Act has clearly been violated by XXXX. I am hereby asking the credit bureaus to delete this account from my report.
Consumer complaint received 2023-12-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch (MD)

Re : Formal Complaint Against Kinum Inc. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Kinum Inc., a debt collector, for their egregious actions in attempting to collect an invalid debt and subsequently reporting it on my credit report. The impact of this false information on my creditworthiness and overall quality of life is severe, and I seek intervention from the Consumer Financial Protection Bureau to rectify this matter. 

Upon receiving a verification of debt from Kinum Inc., I discovered that the accompanying document, an invoice from XXXX, is inaccurately presented as evidence of a debt owed by me. Contrary to their claim, this invoice solely represents funds that XXXX owed me for gift cards I sold through their platforma fact not reflected in their misguided attempts to collect. 

This unjust and unfounded collection account has significantly affected my financial standing and daily life. I am distressed by the toll it has taken on my ability to secure loans, housing, and employment opportunities. It is imperative that this issue is addressed promptly and with the seriousness it deserves. 

I have enclosed copies of relevant documents, including the XXXX invoice and any supporting evidence, to substantiate my claim. I kindly request a thorough investigation into Kinum Inc. 's actions and the subsequent removal of the collection account from my credit report. 

Furthermore, I am compelled to bring to your attention that I am seriously contemplating pursuing severe legal action against Kinum Inc. for their blatant disregard for fair debt collection practices, causing significant harm to my financial well-being. In addition to the removal of the collection account, I demand financial compensation for the damages and distress caused. 

I trust the Consumer Financial Protection Bureau will handle this matter with the urgency and gravity it deserves. Please keep me informed of the progress and resolution of this complaint. 

Thank you for your attention and assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-25
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: Experian Information Solutions Inc. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA (CA)

XX/XX/2023 : I downloaded the XXXX app on my XXXX  phone to initiate the process of applying for an account. XXXX is a division of First National Bank of Omaha ( FNBO ) which operates as an app-only banking platform. 
At XXXX I completed the mobile application for an account through the XXXX  app, filling out my information including name, SSN, DOB , email address, telephone number, and home address. Upon entering the data, the XXXX app presented me with a determination that my application was denied, without any specified reason. 
At XXXX I contacted the consumer support chat feature within the XXXX XXXX, and was given an automatic response stating " We're unable to approve requests for accounts when they do not meet our bank 's requirements. These requirements include but are not limited to identity validation. We did not perform a credit check and your credit was not a factor in this decision. We appreciate you considering us for your banking needs '' After receiving this response, I prompted the chat to connect me to a real person, who then asked for my email address to transition the conversation to email. 

At XXXX I responded to an email from XXXX which repeated the above message asking if there was an appeal process. I was informed by an agent name XXXX " Unfortunately this decision is final. " I then inquired how the information was verified or what the application criteria was, and received a response stating " At XXXX, we consider a variety of factors to determine account eligibility. We understand that you might be curious what these factors are but, for security reasons, we can't share the complete list of criteria we use. Maintaining the security and confidentiality of our evaluation methods is very important to us and our aim is to ensure fairness and equality in the assessment process for all of our applicants. We do not check your credit. ''
Consumer complaint received 2023-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Blitt and Gaines, P.C. (IL)

I have worked for the government for almost eight years and was taken off work for XXXX XXXX XXXX with XXXX symptoms for 15 mo so of course my bills fell behind as I was not paid the entire time I was off and I have no help and have had no income other than a couple of months since. I lost my job in XX/XX/2023. I am turning XXXX yrs this coming XXXX and able to receive widows benefits but have no other income. My unemployment stops in another month. I am insolvent. I contacted a lawyer and am filing bankruptcy but I have to pay {$1800.00} to file so trying to get that together. Either way the account is not collectible as this bunch of crooks Blitt and Gaines PC who have been sued by the government and many others in the past due to their illegal activity, can not file a lawsuit and collect on XXXX income and assets or against XXXX benefits!! Yet they continue to stalk, harass and threaten me with lawsuits after I told them to CEASE and DESIST through your office and my lawyer told them I am filing bankruptcy!!! This is harassment and direct breach of the FDCPA and I want your office to go after them fine them and shut them down!! I am not paying them a XXXX ever!!! I will also sue them for damages for all and for causing my symptoms of XXXX XXXX XXXX  with XXXX to return too!! I want a no contact order placed against them as well they are not to contact me, my family or anyone I know or they will be going to jail!!!
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VI)

I had bought a refrigerator from XXXX at their store located on the island of XXXX XXXX XXXX XXXXXXXX The refrigerator didnt work too well so I returned it. The cashier whom I was referred to told me that I would see a XXXX balance on my XXXX card on the next billing statement and not to worry about it. I was very surprised to see the account charged off and reporting on all 3 credit bureaus as derogatory and charged off. I have contested this problem with the XXXX and tell them that the information is wrong and that i5s not mine. I returned the appliance and XXXX didnt do what they were supposed to do so this problem is not my fault and should be removed from my credit report immediately.
Consumer complaint received 2024-04-25
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. (TX)

In accordance with the Fair credit Reporting Act, XXXX Account # XXXX XXXX XXXX XXXX violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I fell victim to a horrific incident where I was XXXX XXXX, and XXXX assaulted by an individual wanted by the FBI. 

During the robbery, the perpetrator illicitly conducted bank transfers from my personal phone using the Chase app. 

Despite providing Chase Bank with extensive evidence, including official documents related to the case, they have refused to refund my money. 

Chase Bank 's reasoning for denying my claim is based on the fact that the transfers were authorized using Face ID. However, I was unconscious at the time, rendering their argument baseless and absurd. 

Regrettably, I find myself in a situation where Chase has declined to refund the funds that were fraudulently taken from my account. Despite exhausting all avenues within the fraud department and other conventional channels, including numerous hours spent on calls, my efforts have proved fruitless. 

The unauthorized transactions in question involve XXXX XXXX transfers made on XX/XX/2023, totaling {$4300.00}. These transfers comprised three charges from my personal account and XXXX from my business account. I have attached copies of the charges for your reference. 

Chase 's reasoning for refusing the refund is perplexing. They contend that, as the transfers were conducted via XXXX and authenticated with Face ID, they are absolved from responsibility. However, I have diligently provided them with all relevant documents substantiating the details of the case, to no avail. 

For your reference, the case has been assigned the following number : XXXX.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which 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 didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

I had bought a refrigerator from XXXX at their store located on the island of XXXX XXXX XXXX XXXX. The refrigerator didnt work too well so I returned it. The cashier whom I was referred to told me that I would see a XXXX balance on my XXXX card on the next billing statement and not to worry about it. I was very surprised to see the account charged off and reporting on all 3 credit bureaus as derogatory and charged off. I have contested this problem with the XXXX and tell them that the information is wrong and that i5s not mine. I returned the appliance and XXXX didnt do what they were supposed to do so this problem is not my fault and should be removed from my credit report immediately.
Consumer complaint received 2024-04-25
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: Experian Information Solutions Inc. (GA)

After reviewing my credit report, I have noticed hard inquiries I do not recognize I ha contacted all XXXX CRAs, and they refuse to dispute or investigate the inquiries Attached an XXXX report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 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 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurer that are not initiated by consumer ( 3 ) Information regarding inquiries Exc in section 15 USC 1681q ( a ) ( 5 ) of this title a consumer reporting agency s to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer.