davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I, XXXX XXXX XXXX, a XXXX XXXX, command Equifax to unblock me from creating and viewing my credit profile with the updated debt report and score in order to dispute errors. I am XXXX and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, whiteness, and fairness in order for Equifax to discharge any errors or obstructions from my credit profile.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

In regards to the company XXXX for reporting XXXX XXXX XXXX XXXX  The account in question is listed with an incomplete account number, This incomplete account number is inaccurate and constitutes a significant violation of my rights under the Fair Credit Reporting Act ( FCRA ). Full and accurate account numbers must be reported to ensure proper identification and association with my credit history. 
Additionally, the payment history section for this account shows multiple XXXX ( CO ) notations for XXXX, XXXX, XXXX, and XXXX. A XXXX should only be reported once, as it reflects a singular event. The reporting of multiple COs for different months is not only inaccurate but also results in the resetting of the statute of limitations for this account, extending the time it will remain on my credit report. This repeated reporting is a clear violation of the FCRA and is severely damaging my credit profile I have also sent this letter to the company as well
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

I submitted a mobile check deposit on XX/XX/year> in the amount of {$1000.00} to my savings account. The following day I received an email stating that the funds availability for the deposit was delayed. Within the email they stated the delay was " due to : We have confidential information indicating the check may not be paid. '' They advised that the funds would now be available XX/XX/year>. On XX/XX/year> I noticed that I was unable to log into the banks website or mobile app. I then contacted Citi Bank via phone using the number on the back of my card, as I have no access to ANY of my accounts, not even the ability to log in to the bank site or app. I was advised to contact the fraud department and was given their number ( XXXX ). Upon contacting them they stated that the check I deposited was under review as it was flagged as fraudulent. Because of this all of my accounts were blocked, not just the pending funds deposited to my savings account, I also can not access my checking account or utilize any funds within my checking account. They initially stated that the investigation could be closed if the issuer of the check spoke with them and verified the checks validity. The check was written by my previous landlords and is a return of my security deposit, both landlords are listed on the check. I reached out to my previous landlords and asked that they call to verify, they did this. I then contacted the fraud department again to see if all was resolved. They stated that the check was still not verified because the maker of the check did not call from the phone number of public record for the account holder. I asked if it should be the number of the other person on the account, they stated that yes, this was the number that they needed to be called from. I then reached back out to my previous landlords and they agreed to contact them with the other account holders phone. I then contacted the fraud department again to see if all was resolved. They again said that the maker of the check did not call from the phone number of public record for the account holder. I then went into a local branch and was essentially told the same thing. That I do not have access to my funds/accounts, it seems that they may have returned my direct deposit from my employer that was to be deposited on XX/XX/year>. When asked directly about the direct deposit they would not provide a clear yes or no as to if it has been returned. I am also unable to close my accounts or regain access to my checking account that is not involved with the mobile check deposit.
Consumer complaint received 2023-05-04
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. (IL)

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

XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

Never received anything about this until I got a paper to go to court. It came under the name XXXX XXXX. I never opened up this account. So I went to court and Disputed And explained the situation to them how its not my account it was obviously open up fraudulently. Im requesting validity of the A breakdown of the charges, which I have the right to request by law. The court say theyre going to contact their liaison over there and get me the information never receive anything. Ive disputed it several times with the court also contacted the agency. The collection agency is Resurgent capital services. The representatives are so rude They tell me its in Theyre legal department and they cant handle it and then when they transfer me to legal no one ever picks up the line. Ive left messages. No one calls me back. Ive spoke to representatives And have been told that they were going to have someone from that department call me back And never get a callback. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 20 years old Because we own the account. But yet they cant give me any information and keep sending me somewhere where I cant get anybody on the line?? Also, they ended up changing the name On the account to me. The Name on the account was XXXX XXXX. How Can they take it upon themselves to change the Name to my first? The whole entire matter is fraudulent!
Consumer complaint received 2024-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

an accordance to the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX AND XXXX XXXX XXXX. ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-06-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

I had a house fire on XX/XX/year>, during this time the mortgage company foreclosed on my home and kept a insurance claim check given to me by my insurance company. They locked me out of the home and refused to let me get the home repaired however they are keeping insurance funds that also were endorsed to me. They have also made claims on another check that was given to me by the insurance company even though they took my home. They have sold my home as well.
Consumer complaint received 2024-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: B9, Inc. (TX)

Date of initial claim of fraudulent charges : XX/XX/year> Actions taken : *Reported fraudulent charges to B9 customer support on XX/XX/XXXX. 
* Dispute initially denied and account closed due to alleged failure to safeguard my account. 
* Contacted B9 again requesting managerial review and account reopening. 
* Dispute was reopened, but account remained closed. 
* Received notification on XX/XX/XXXX of a provisional credit applied to my account. 
* Requested access to the provisional credit but was denied due to closed account. 
* B9 offered ACH transfer but later reversed course. 
* B9 reversed denial of fraudulent charges but has not returned the funds to my bank account. 
Current status : * B9 claims the disputed funds are available in my closed account. 
* I am unable to access my funds despite B9 acknowledging the fraudulent activity.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

Unfortunately after many failed attempts at getting the fraudulent credit card removed from my credit reports. After sending FTC and Police Report you have failed to resolve this matter as this has put your institution in violation of the FCRA 605B. I am filing this last complaint with CFPB prior to my legal team filing for damages in Federal Court next week. You refuse to do anything to resolve this issue as the victim of fraud and identity theft. My ex partner had unauthorized access to my information opening accounts and even going as far as making payments on them with bank accounts in my name. When he left me in XXXX everything came to light about the matter.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

Lvnv Funding is in violation of Texas debt collection practices as well as consumer privacy laws including fcra and fdcpa. I have repeatedly put them on notice and filed claims with the cfpb. Now complaining with the IRS and the OAG. 

Lvnv Funding nor its associated company Resurgent Capital Services are licensed in the State of Texas to collect on Debt. They have ignore previous disputes.
Consumer complaint received 2024-06-08
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: U.S. BANCORP (NV)

An unauthorized hard inquiry has been identified on my credit report, indicating a possible fraudulent credit card application. This inquiry, made without my consent, raises serious concerns regarding identity theft and financial fraud. Urgent measures are required to limit additional harm to my credit standing and thwart unauthorized access to my finances. I have promptly informed fraud identity and credit monitoring agencies to investigate and address this fraudulent activity. I implore you to safeguard my financial security and restore my peace of mind.
Consumer complaint received 2024-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (MA)

I have a mortgage with an escrow that pays city taxes, property insurance, and private mortgage insurance. 

I received a cancellation notice from my home insurance company on XX/XX/year>, notifying me that I would lose insurance on XX/XX/year>. I notified my insurance company regarding this issue on XX/XX/year> via their website that I use to make payments, and provided them a form. They notified me on XX/XX/year> that they would contact me again with 7 business days with resolution.

After not hearing from the mortgage company after 7 business days, I notified them via email on XX/XX/year>, requesting a status update. 

On XX/XX/XXXX, I received a notice from the mortgage company saying they have forwarded this ticket to their XXXX Department for further review. 

After not hearing from them further and seeing that my insurance had still not been paid, I scrambled to make the total insurance payment on the morning of XX/XX/XXXX ( the last possible business day before cancellation on XX/XX/XXXX ) so that my home would not be uninsured. 

To this date, I have not been contacted by my mortgage company regarding the status of this issue, nor have I been reimbursed.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-13
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. (NY)

on XX/XX/year> i disputed the accuracy of two Bankruptcy and ask the 3 agency how they validated that the information belong me and ask them to remove and to this day its still being reported om my consumer report.XXXX  transunion and XXXX are violating my rights under rule 15 USC.1681 by reporting information that knowingly and have reasonable verified.1 Under Rule 9037 of the privecy Protection for court filings made with the courts .ALL IDENTIFING markets are redacted unless ordered by the courts.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MN)

It has been two weeks as of XX/XX/year> since I have had access to my accounts ( two checking and one savings account ) via mobile banking, website, or debit card. When I couldn't log in to mobile banking I contacted Citi Bank to notify them and they said they could not help me. To go to a branch office or write a letter to Citi Bank. I called again the next day and they wouldn't give me any information, not even my account number to try and change my password. I called the third day and was to my accounts were in the process of being closed and no funds could be withdrawn or debits made during the process. I was told it would be 30, 60, or 90 days and that if any funds remained a check would be mailed to me. They also told me that " certain '' deposits would be declined but others would be allowed. My account is not in the negative. I asked the representative to switch my statement preference to paper statements so I could see my direct deposits and balance information during the 90 days and she declined. I asked for her employee number or name and she refused to give anything but her first name. I asked for a supervisor or the fraud department and she said I was speaking too loudly and she was ending the call. I have four direct deposits per month that so far two have been kept by Citi Bank for no reason without me having access. I have not received any paperwork or notice explaining why I can't access my accounts and would have not known had I not called Citi Bank.
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/year>, I was approached by a group requesting donations for a victim of XXXX XXXX in my area. This was in an area outside of a XXXX which is a common gathering spot for donations. They provided documentation of previous donations, as well as specific details on the victim. I decided to donate {$20.00} to them via XXXX XXXX and instead was charged {$2400.00} and the merchant shows up as XXXX XXXX, which is a grocery store. It did not have an address ( as any purchase I have made with this merchant provides ) and it was not listed as a grocery store, instead as business services not elsewhere classified. I immediately called Bank of America for this fradulent activity. They submitted a claim but did not advise me to contact the police and no one else advised me to either so I was unsure of how to proceed. This claim was initially denied because it was not considered fraud. I repeatedly had to call them in order to get the claim switched and provided documentation of how this transaction was fraudulent on multiple occasions. To this day, it was continued to be rejected for no reason other than that I dont have enough proof, despite providing as much information as I possibly could. Not only have they repeatedly failed to refile my claim despite saying they would, they also do not acknowledge or provide any valid reason why it is being rejected despite my documentation. They want a receipt of some kind from the merchant but this merchant doesnt really exist according to their own purchase information.
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. (WA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
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. 

Please investigate these matters and remove the disputed items as soon as possible