davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
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. (IL)

I asked all three credit bureaus to do an thural verification on my credit report. I received letters stated everything was credit on my reports. I than did a thural research on my own and found multiple improper inaccuracies on my credit report even after the bureaus did a verification and stated it was correct.

In accordance with the fair credit reporting act XXXX  accounts below listed 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. 

Account name -XXXX account number-XXXX Account name - XXXX XXXX Account number XXXX Account name -XXXXt Account number-XXXX Account name XXXX XXXX XXXX Account number-XXXX Account name-XXXXXXXX Account number XXXX Account name-XXXX XXXX Account number XXXX Account name -XXXX Account number- XXXX Account name-XXXX Account number- XXXX Account name XXXX Account number- XXXX Account name- XXXX Account number XXXX
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX  per violation and clearly they violated my rights.
Consumer complaint received 2024-09-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Green & Sons Agency, Inc. (CA)

Subject : Follow-Up Complaint Regarding Privacy Concerns and Unresolved Issues ( Complaint ID : XXXX ) To Whom It May Concern, I am filing this follow-up complaint in reference to my original complaint, ID XXXX, which specifically addressed privacy concerns related to Outsource Receivables. I am deeply concerned that my initial complaint was closed without properly ensuring that the issues I raised were fully investigated and resolved. 

As stated in my original complaint, I have serious concerns about the unauthorized use of my personal information, including my Social Security number, by Outsource Receivables, a company with which I have never conducted business. The Consumer Financial Protection Bureau closed my complaint without verifying whether these privacy concerns were addressed. 

Additionally, after reviewing the attached document from Outsource Receivables, I now have further concerns. The document merely states an amount owed but provides no itemization or breakdown of how this debt was incurred. It fails to explain the origin or nature of the debt, leaving me without any clarity as to the legitimacy of this claim. 

I am requesting a thorough investigation into both my original privacy concerns and the lack of transparency regarding the debt mentioned in the document. I also request that the CFPB ensure that Outsource Receivables provides a detailed, itemized explanation of the debt they claim is owed. 

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure my concerns are appropriately addressed this time. 

Sincerely,
Consumer complaint received 2024-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-06-04
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. (NC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

AS A RESULT OF THE IDENTITY THEFT I HAVE INQUIRIES THAT I DIDNT AUTHORIZE AND ADDRESSES THAT I HAVE NEVER BEEN ASSOCIATED WITH INQUIRIES NAME DATE I HAVE NOT AUTHORIZED THESE AND HAVE NO KNOWLEDGE OF THESE INQUIRIES XXXX XXXXXXXX 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  ADDRESSES I NEVER LIVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Late Open : XXXX XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$520.00} XXXX XXXX {$1400.00} XXXX  XXXX {$0.00} Late Closed : XXXX XXXX XXXXXXXX {$0.00} Charge Off : XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXXXXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$0.00} XXXX  XXXX  XXXX {$1300.00} Collection : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$4800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00}
Consumer complaint received 2019-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IN)

During my services in the XXXX my identity was compromised. I have worked hard to get this resolved. However, today I discovered that Experian has a Rental History department and it is negative reporting false accounts with XXXX and XXXX XXXX. I have never rented or done any buisness wit h either entities. I demand that this and all other negative items be removed from my Experian renal history department. When i contacted Experian 's rental history department they stated that it was separate from the credit department. I have emailed the FTC Affidavit to Experian ' rental history department. I was denied a rental property for this.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PlusFour, Inc (CA)

I requested information about date of service, services provided, and money owed at the time of service. The PlusFour representative did not provide me with any written information I requested. I only received a verbal date of service and an amount owed. I resolved this issue separately with my medical insurance provider ( XXXX XXXX XXXX and XXXX XXXX XXXX ) at the time who jointly paid for all of the ambulatory services I received on the date PlusFour claimed I did not. At the time I was injured badly and in dire need of medical assistance. PlusFour as a creditor seems to be taking advantage of the fact that I was physically incapacitated for the medical emergency and their failure to bill my health insurance at the time or any time thereafter is affecting my credit in a very unfair way.
Consumer complaint received 2019-04-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NC)

This account is for a vehicle that was repossessed by Wells Fargo Dealer Services in XX/XX/2016. I believe it should be included in the Wells Fargo settlement for improperly charged insurance and repossession. The information listed on all credit reports is incorrect and even after multiple disputes and requests for verification, the information remains on my report, causing financial damage. The payment history is incorrect, and the payment amount is not only incorrect ( I was overcharged ), but it should not be listed on this charged off account. This vehicle never should have been repossessed. I did not receive notice before or after the repossession. Proper steps were not taken. Wells Fargo is reporting inaccurate and inconsistent information to all three bureaus, yet it remains.
Consumer complaint received 2024-09-06
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. (TX)

In accordance with the Fair Credit Reporting Act the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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. These accounts are not accurate and I have caused great harm to my credit score. I have tried many times with the credit bureaus but they have failed to verify my accounts. I have provided documentation of court decisions on the validity of these accounts but they seem to ignore them. ON top of that they have removed access for me to view my credit report. I have sent them my documentation to have access to my credit report but haven't been able to access my credit report.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I am writing in response to your letter dated XX/XX/year>, regarding the alleged debt for the amount of {$1600.00} related to XXXX XXXX. 

I do not recognize this debt and request that you provide complete validation of the account. Specifically, I am requesting : Documentation of my liability for this debt, including the original signed contract. 
A full breakdown of all charges, fees, and interest. 
Proof that this debt is valid under California law, where I reside, including any notices or communications sent to me. 
Documentation of any previous attempts to notify me of this debt and evidence that I received them. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am formally disputing this debt, and I request that you cease all collection activities until the debt is validated. Additionally, please mark this debt as " disputed '' on my credit report while the validation process is ongoing. 

Please respond to this request in writing and provide the requested documentation. I also reserve the right to seek legal counsel if necessary.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MA)

A deposit was entered as " goods/services '' instead of " friend/family '' they assumed I was a business, I am not. They frozen the account. Then permanently suspended the account and are holding my funds for 180 days. Im a XXXX XXXX  XXXX  that has had the account for years and live on fixed income. Would like my funds released and account closed. I no longer wish to do business with such an outfit. I was in banking for 25 years, this is unheard of.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CO)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Unjust Account Restriction and Planned Closure - Citi Checking Account ( Account Number : XXXX ) Dear XXXX, I am writing to lodge a complaint regarding the handling of my Citi Checking Account ( Account Number : XXXX ) by Citibank. After making my initial deposit, Citi blocked and restricted my account without reason, promising a review after XXXX hours. 

Unfortunately, after the XXXX period, I received no further communication regarding the status of my account. When I called to inquire, I was informed that my account would remain restricted and closed within XXXX days, and a check for the remaining balance would be sent to me. 

I have made several attempts to resolve this issue with Citis Fraud Prevention department, but they have not provided any explanation or remedy options. This situation has caused significant disruption and inconvenience, and I believe it violates my rights as a consumer. 

The reference number for my case with Citi 's Executive Response Unit is XXXX. I respectfully request your assistance in this matter, as I wish to have my account unblocked and reopened. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (TX)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2024-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Self Financial Inc. (VA)

I've been paying into this account for almost a year, and one day they just closed it after I made a payment. I was not given a reason as to why other than they could not verify me but never gave me the option to prove my identity. 

At the time it was closed I had a little under {$2000.00} in my Self visa card account and about {$230.00} in my credit builder account. I was putting money in the account to build my credit to show that I am able to make timely payments. I PAID FOR A SERVICE and they have deleted all history of these payments off of my credit bureau. I understand closing it but If I have no proof of my flawless payment record then upon closing my account they should also pay me for the services I paid for.
Consumer complaint received 2024-08-30
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: JPMORGAN CHASE & CO. (OK)

Between XX/XX/2024 and XX/XX/2024, an inquiry made by JPMCB CARD SERVICES was added to my credit report resulting in dropping my score XXXX points. Reached out to card services with no response.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (SC)

I opened a checking account with chase bank on the XXXXXXXX XXXX  XXXX and deposited a refund check that the US Treasury issued to me from my 2020 stimulus EIP check that I received in late XXXX of this year and they wont release my funds after restricting and closing my account. They say they can't verify the check. I've got a email from the fiscal payment of the US Treasury confirming and verifying the check and that it's issued to me and it also includes Chase 's banks headquarters in XXXX section of the email and I showed this to the people at a local chase branch and contacted the verification line for chase also and neither one helped and didn't assist me with anything and continues to keep my funds that rightfully belong to me. Chase bank also sent me a letter saying that my account was closed and that they would be issuing me a cashier 's check via mail for the remaining funds in my balance just for me to find out that wasn't the case and they have no intention of sending me my funds or releasing my funds to me
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (MD)

M & T PROVIDED GENERIC ANSWERED : " On XX/XX/2024, you received provisional credit for XXXX disputed transactions along with international ATM fees totaling {$5200.00}, to your checking account ending in XXXX. '' XXXX ) WHY THE MONEY WAS NOT AVAILABLE TO USE? NO REASON, NO NOTIFICATION WERE PROVIDED ABOUT THE ACCOUNT BEING FROZEN " On XX/XX/2024, your disputed transactions mentioned above were denied, as we determined that the transactions were processed correctly, and no error occurred. You were notified by mail of the denial, and upcoming reversal of the provisional credits to occur on XX/XX/2024. '' XXXX ) WHERE ARE THE PROOF THAT THE TRANSACTIONS WERE PROCESSED CORRECTLY? BASELESS AFFIRMATION!!! REMEMBER THAT A BANKER TOLD ME THAT NO MATTER WHAT THE CLAIM WILL BE DENIED. 
" In your correspondence, you requested clarification on the number of days the review process could take for the disputed matter. We have confirmed that ATM disputes can take up to forty-five days to be decisioned. We understand you were provided conflicting information, and regret the frustration this matter XXXX have caused. '' XXXX ) WHAT WAS THE REASON OF PROVIDING CONFLICTING INFORMATION? THE BANK WAS TRYING TO BUY TIME? 
PLEASE SHARE THE RESULTS OF THE INVESTIGATION BECAUSE IT IS EASY TO DENY THE CLAIM WITHOUT PROVIDING SOME SORT OF DOCUMENTATIONS. ALSO I DO NOT NEED A GENERIC RESPONSE OR INFORMATION BECAUSE THIS CASE IS SPECIFIC. SO, THE BACK OFFICE TEAM RESPONSIBLE FOR THE INVESTIGATION SHOULD BE THE ONE ANSWERING WITH ALL THEIR FINDINGS TO JUSTIFY HOW THEY HAVE COME UP WITH A DENIAL WHICH SHOULD BE DIFFERENT THAN THE CONSPIRACY THEY HAD TO DENY THE CLAIM IN THE FIRST PLACE EVEN BEFORE STARTING THE INVESTIGATION.

DISHONEST PEOPLE WORKING FOR A DISHONEST BANK RIPPING OFF HONEST PEOPLE AND TRYING GET AWAY WITH THEIR CLIENT MONEY.

I WILL MAKE SURE THAT THE BANK STOP ABUSING THEIR CUSTOMERS!!!
Consumer complaint received 2024-08-03
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. (IL)

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-08-03
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. (PA)

XXXX XXXX XXXXXXXX. Inquiry Date XX/XX/year> Address XXXX XXXX XXXX XXXX XXXX TX XXXX Phone number XXXX Has violated my rights According One to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-28
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The J. G. Wentworth Company (PA)

I sent to JG Wentworth in XXXX a settlement letter from XXXX XXXX XXXX for half of the balance and they said on XX/XX/XXXX that they just sent a letter to them, that was not how I understood the process and I lost out on settling half the bill from {$1400.00} to {$580.00}. I also found out that they have not been in contact with other companies such as XXXX  XXXX, when I contacted them on XX/XX/XXXX, which I could settle this debt myself. I request that my account be closed, and both people I spoke with were extremely rude. 

I want to cancel my JG Wentworth account and I found out they are charging an outrageous fee on top of all this.