davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CashMax LLC (ID)

Originally several months ago got a threatening call from an aggressive person on a phone call threatening to garnish wages. They were trying to get the debt paid over the phone but I didn't comply and asked to speak to a manager who they patched me through to. I explained that I have no loans they tried to tell me that it was a tough time for everyone and people got desperate and took out loans over the phone. I told them I didn't have any debt and I monitor my credit reports regularly and this has not shown up at all so not sure what they are talking about. I told them that I will fight this issue in court and they would not get a cent from me. They provided me with my full social security number as proof which knowing about the breach just thought it was a scam. 
I recently got a letter in the mail dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX saying the debt was from Boost Finance with an account number the debt was purchased by XXXX XXXX XXXX which is now the creditor to whom the debt is owed. As of XX/XX/XXXXXXXX  in the amount of {$410.00}. I have up to XX/XX/XXXXXXXX  to dispute by mail or call or the debt becomes assumed as correct. There is an additional reference number of XXXX with a pin number. 
I have called them. told them that I don't have any debt as I'm am financial stable and would not have needed a loan so didn't now what they are talking about. They told me they were sending me proof of debt documentation to my email account that they had of which didn't match any email I owned. They wanted me to provide them with a correct email and I refused so they are mailing me the information they have on file.
Consumer complaint received 2024-08-16
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account ( see Attach ) 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 2023-06-22
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: EQUIFAX, INC. (WI)

I received my credit report on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to be on my credit report.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-16
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 reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a XXXX XXXXXXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-08-09
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. (MD)

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be completely examined. In spite of my endeavors, I still can't seem to get any goal or remedial activity. These incorrect records are seriously harming my credit document and obstructing my capacity to carry on with a typical life. The adverse consequences of these errors have caused massive difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on at the earliest opportunity. I benevolently demand that you lead a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the precision and uprightness of my credit record so I might recover command over my monetary prosperity. I genuinely ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue quickly would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2022-09-13
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. (CA)

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

The following accounts need to be removed as they are fraudulent. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX Date Opened : XX/XX/2016 Balance : {$32000.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Indie Technology DBA Found (PA)

I am writing to formally express my profound dissatisfaction with the handling of my dispute claims, particularly concerning the XXXX transaction, {$1200.00} on XX/XX/XXXX by the Found dispute team, specifically XXXX. The lack of thorough investigation, dismissive responses, and refusal to provide transparency have led to an unjust denial of my claim and a complete erosion of my trust in Found 's ability to protect its customers. 

The dispute team 's insistence that an internal funds transfer indicates an intent to make an unrelated transaction is illogical and demonstrates a lack of understanding of basic financial practices. Despite providing clear evidence and explanations to the contrary, my concerns were repeatedly dismissed. The team 's refusal to provide any evidence or reasoning behind their decision further highlights their lack of transparency and accountability. 

The demand for evidence from XXXX, a company I have never interacted with, is unreasonable and places an unfair burden on the victim of a fraudulent transaction. It is the bank 's responsibility to conduct a thorough investigation, not the customer 's. 

I am appalled by the lack of professionalism and customer service exhibited by the Found dispute team. Their failure to adequately investigate my claim and their dismissive attitude towards my concerns have left me feeling helpless and violated.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I noticed these problems on XX/XX/XXXX, XXXX XXXX XXXXXXXX Account Opened XX/XX/XXXX Account Balance {$260.00} XXXX Account Opened/ Date Assigned XX/XX/XXXX Account Balance {$1100.00} XXXX  Account Opened XX/XX/XXXX Account Balance {$930.00} XXXX XXXX Account Opened XX/XX/XXXX Account Balance {$310.00}
Consumer complaint received 2024-07-16
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. (NY)

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 2024-07-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Guild Holdings Company (CA)

The Mortgage Company financed the mortgage loan and XXXX ( rehabilitation ) loan together on closing. 
The mortgage company did not disburse the loan due to issues that emerged after the closing ( ex. unable to have the property permitted for 100 % residential use ). Of note, the company ought to have verified the permit from the contractor before closing the loan ) ; however, it did not. 
Due to mortgage company 's lack of cooperation to resolve the issue initially, I filled a complaint in 2022. 
The mortgage company responded through CFPB that it can apply the unused loan to my principal ( see attached document ). 
It has been more than 2 years since I made a request asking the mortgage company to apply the unused loan to my principal but I keep getting 'run arounds, ' and on many occasions, no correspondence from the mortgage. 
PLEASE HELP!
Consumer complaint received 2024-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (AL)

XXXX XXXX XXXX And XXXX are in direct violation of the FTC and Cfpb regulations. They are knowing reporting inaccurate information to my XXXX Credit report and are also in violation of USC 15 Section 1681. I am requesting validation of this debt that they say I owe and verification that they have the legal grounds to collect this debt. I also never received written notice of this debt and I am asking that they provide proof of my signature as receiving any certified mail as it pertains to this wrongful collection. If the previous items can not be provided, I ask that this account be removed from my credit report immediately or I will request the maximum {$1000.00} per violation.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (NJ)

I applied for an ASPIRE credit card in XXXX. I never received the the card and they sent me an email of a bill due. I called 4 times and worked through text to request to cancel the card I NEVER received or activated. They acknowledged that they still had the card in their possession. Ive asked them to please cancel this card multiple times. It has NEVER been received or activated. I am now receiving an additional bill that amounts to {$250.00}. 
I am afraid this will affect my credit. When you call the company you speak to someone in another country. I just want this card cancelled and not to affect my credit. Again I never received it and it has never been activated.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BMO Bank, N.A. (IL)

The company says I owe them {$760.00}, when I had no knowledge of the amount, I opened this account Right after my incarceration someone stole my wallet and personal information and when I was released I found out, never heard nothing back, this been on my background far to long please let me know and help me with this matter thank you
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX. According to my records, a late payment was reported for my account number XXXX in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the late payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX my credit report. I further request that you notify the credit bureaus ( Equifax, XXXX and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

I have a credit freeze on file with the XXXX major credit reporting companies. Equifax and XXXX do not offer two-factor authentication for the accounts that people are required to set up with these companies in order to establish a credit freeze. ( XXXX does offer XXXX. ) Very little personal information is required to set up these accounts, and as a result they would be very easy to hack, particularly given the number of major data breaches there have been, including of Equifax itself in 2017. Equifax offers two-factor authentication for certain of the paid services if offers. Why isn't it -- and XXXX -- required to offer XXXX to consumers who are trying to protect their financial information?
Consumer complaint received 2024-09-14
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: Windham Equity Company (MA)

I DO NOT RECOGNIZE THIS. I NEVER USED THEM TO RUN MY CREDIT. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Consumer complaint received 2024-07-16
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. (FL)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-09-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: PNC Bank N.A. (AZ)

This complaint was submitted to you. The copy of the paperwork PNC sent you and myself reiterates the fact nothing was explained to me whatsoever - I would have never signed a 7 year surrender schedule I'm XXXX yeas old. 
I was looking for guidance. XXXX XXXX took advantage of me. 
This paperwork they sent a copy of : I was thinking this was for the beneficiary. Nothing was explained to me. I thought I was agreeing to an 11 month annuity ( I didn't understand ) not a 2072 maturity date.

On this paperwork they sent : page 7 of 17 under line 11 they added : Client wants to put in place an investment with guaranteed roll ups ( I don't know that term ) and a guaranteed income when started. 
Page 15 of 17 option 1 says last line " I may begin receiving LIBR (? ) payments one ( 1 ) year after issue. I thought this was a Roth IRA rollover.

Page 2 of 17 under premium Allocation says S & P 2 year point to point with cap. 
I really did not understand that I was buying a life insurance policy - no one ever told me that. XXXX made it sound way different than what he sold me. 
Page 9 of 12 there is a check mark on Roth IRA There is a lot of missing information on this paperwork- it is not clear and they tricked me. 
The copies PNC sent are very dark.
Consumer complaint received 2024-09-11
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: CITIBANK, N.A. (OH)

I was notified on XX/XX/year> of fraud on my Citi bank card was charged for air fair and restaurants was given credit on 3 but not on oneXXXXXXXX XXXX XXXXXXXX told them I did not purchase.I have called 15 to 20 times and was told I would be given credit. Please help me
Consumer complaint received 2023-11-06
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

On XX/XX/23, we sent a payment {$1000.00} to homdepot credit card services accidently by using XXXX bill pay. Our homedepot card was closed. We have filed claim through our bank but it got reversed. They suggested us to contact hone depot for the return of funds. We have faxed and mailed them multiple times and received returned from XXXX. We called XXXX credit card services and Citibank credit card on behalf of homedepot, but there were no one willing to help us to get our {$1000.00} back.
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (TN)

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. 

I told Experian and XXXX to update my person information and to reinvestigate these accounts and inquiries listed below, however, they stated everything was complete and accurate. How is that possible is the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that isn't reporting correctly. 

XXXX Unsecured loan with account # XXXX Collection account from XXXX with account # XXXX Collection account from XXXX XXXX XXXX with account # XXXX Collection account from XXXX XXXX with account # XXXX Collection account from XXXX XXXX with account # XXXX Inquiry from XXXX XXXX  on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 

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 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681b - Permissible purposes of consumer reports. 

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. 

Also they aren't in compliance with Metro 2 credit reporting. I have evidence to prove my case.