davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

In XX/XX/2023, I made two mobile deposits to my Citizens Bank checking account. Both were XXXX checks from the XXXX XXXX XXXXXXXX Department, one in the amount of {$6100.00} and the other in the amount of {$2700.00}. Without notice to me, Citizens Bank placed a hold on the availability of these funds. I called Citizens Bank on XX/XX/2023, to find out when the hold would be lifted, and was told that the entire amount of the 2 deposits would be available on XX/XX/2023. In reliance on this, I arranged for bill payments to be made on XX/XX/XXXX. 

On XX/XX/XXXX, I discovered that the hold had not been lifted. I called Citizens Bank again, and this time was told that the funds would not be made available until XX/XX/XXXX. My account in now overdrawn, by reason of the bill payments I made. I have no other income, other that Social Security. I am between apartments and will now have to sleep in my car until XXXX XXXX
Consumer complaint received 2024-04-11
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)

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. 
The account listed below has posted a collection account on my three credit repoorts. This account never belonged to me, and can not be verified. 
Account name : 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 a 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 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I pay my full statement balance on the XXXX of every month as that's the due date. I made the payment of {$39.00} for XX/XX/XXXX due date and it got posted on XX/XX/XXXX. On XX/XX/XXXX, I saw that my payment got returned back from my external bank account. I didn't have any idea about this so I contacted my external bank and they said their system mistakenly froze my account. I called Capital one to apologize about the situation and told them I am working to resolve this asap. I constantly worked with my external bank account and fixed it the same day. I made my payment that got returned on the XXXX of XXXX to the capital one. My payment got posted on XX/XX/XXXX. 

Despite me calling and explaining my situation, they charged me a late fee of {$25.00} and an interest of {$15.00}. So, basically they fined me with {$40.00} total for paying my statement balance of {$39.00} three days later. I called the customer support and they told me they can not do anything about it and told me I should not be charged anymore if I keep paying my statement balance in full on the first of every month. The customer support was not providing the informations I was trying to know about my account. They would just hang up when they don't want to explain something. 

For the next month, I paid my statement balance in full before the due date and my payment got posted on XX/XX/XXXX. On XX/XX/XXXX, I got an Interest charge of {$58.00}. I just dont understand what I am getting charged for.I never noticed this charge until today. I called them and the customer representative told me they can not do anything about it and they are not sure if I will just keep getting charged. Again, I could not receive any clear information about my account and I am tired of it. 

You can check my past history that I never miss a single payment. I got unfortunate on XX/XX/XXXX with my external bank account and even though I resolved it the same day, I am still constantly getting punished by Capital one. Since XXXX and XXXX, I have been charged a total of {$98.00} for not doing anything. I have been severely affected by the pandemic and have been dealing with the financial crisis since then. I am a XXXX XXXX XXXX and my annual income is so little at this point due to my health complications. Yet, these big institutions are trying to rip off the money from people like me. I am barely making my own basic needs met and here I am paying these banks for no reason from my grocery budget while making myself starve.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (PA)

I NEVER RECIEVED THESE REQUESTED DOCUMENTS. ONLY THING I WAS SENT WAS A threatening LETTER ABOUT SUING ME. AFTER THAT LETTER I HAVE NOT HEARD BACK FROM THEM
Consumer complaint received 2023-10-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC is reporting a derogatory account transaction on my credit report without any written consent from me. I have never done business with the company not signed any contracts with the company. The company 's actions have damaged my credit rating and affected my household 's access to credit.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am refiling my complaint with CAPITAL ONE through this complaint. I previously submitted a letter addressing discrepancies in my credit report, including inaccuracies related to the date of last activity, date opened, date reported, payment status, charges, and more. Despite my efforts to bring attention to these issues, CAPITAL ONE maintains that there are no errors in my report. However, it is crucial to emphasize that this account is fraudulent due to illegal and unauthorized charges. 
The investigation period has extended beyond 30 days, during which CAPITAL ONE claimed to conduct a thorough examination. Unfortunately, upon reviewing my credit report, I have not observed any corrections. The inaccurate information persists without any apparent rectification. I feel that my rights have been repeatedly violated, particularly as outlined in 15 U.S.C 1681 section 602 A, which underscores my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instruction. 
I am reaching out once more in the hope that CAPITAL ONE can promptly address and rectify these issues. Accurate reporting is crucial, and I trust that CAPITAL ONE will uphold its commitment to maintaining the integrity of the credit information it provides.
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (IN)

I.C. System has obtained this account as a result of material misrepresentation, fraud, & Identity Theft pursuant to 15 USC 1681 a ( q ) ( 3 ), 18 U.S. Code 1028A ( a ) ( 1 ( 1 ) ( 2 ), IC 35-43-5-3.5 & IC 35-38-1-2.5 ( see Exhibit A ). XXXX did not legally obtain my consent to sale, transfer, assign, or disclose any my personally identifiable financial information aka non-public personal information pertaining to this account with I.C. System or any other third part as regulated by 15 U.S. Code 6802 of the XXXX. Additionally, XXXX failed to provide the consumer with FULL disclosure in the initial agreement. Failure to provide FULL disclosure of material information that is known to be relied upon by the consumer is misleading, an unfair method of competition, and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This is not a duplicate complaint. This is in response to complaint # XXXX, XXXX, and XXXX. 

I am writing to express my deep concern regarding significant violations of the Fair Credit Reporting Act ( FCRA ) by Equifax, XXXX XXXX, and XXXX. These violations are specifically related to the substantial delays in rectifying inaccuracies on my credit reports managed by these agencies. Notably, these delays are a direct infringement of my privacy rights as outlined under 15 USC 1681, section 602. This section of the FCRA is pivotal in ensuring the protection of my personal information, yet these agencies have failed in this regard. 

Moreover, the severity of this issue is further underscored by the provisions of 15 USC 1681, section 604a ( 2 ), which mandates the strict safeguarding of consumer privacy. This blatant disregard for consumer privacy by these credit reporting agencies is unacceptable. 

Additionally, there are concerns regarding the reporting of late payments. As per 15 USC 1666b, a creditor should not report a payment as late for any purpose in a credit card account under an open-end consumer credit plan without proper justification. In my case, these agencies have reported late payments in contravention of this statute, and despite my clear written instructions under an open-end consumer credit plan. This is securities fraud. 

I am profoundly disappointed by the lack of urgent action taken by these credit reporting agencies concerning these errors on my credit reports. I urgently request that XXXX, Equifax, and XXXX XXXX prioritize this dispute, undertake a comprehensive investigation, and ensure validation and prompt correction of my credit reports. 

In conclusion, I am relying on your immediate and decisive action to resolve this matter. Such action is not only anticipated but greatly appreciated, given the gravity of these issues and their impact on my financial wellbeing.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercury Financial Intermediate LLC (CT)

Mercury Financial, is the issuer of my credit card, I have an ongoing dispute with a merchant since XX/XX/year> and as a XX/XX/year> Mercury Financial is are being dishonest and is giving me the run around in regards of this dispute.They keep telling me that it will be revolved soon when I reach out to them the keep telling me the same thing over and over again without and resolution. Also they reported my account as being delinquent as from my understanding no payment is due while it's being disputed. 
They are ruining my credit and it's not fair because from my understanding when you are disputed a merchant no payment is due unless I have a charge for a different merchant which is not the case here. I need Mercury Financial to take this off my credit report and properly report it correctly and not delinquent. They also refuse to fix this matter
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (GA)

The company lexisnexis risk solutions XXXX XXXX XXXX XXXX ga XXXX XXXXXXXX XXXX They are stating that I had accidentally of XX/XX/XXXX never had an accident I did have a speeding of XXXX XXXX XXXX and in XXXXXXXX XXXX XXXX was a coverage claim for inclement weather that damage my car but the accident I'm disputing incorrect information
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

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
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) : XXXX XXXX, XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) : # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) : # XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, date of last reported and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

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 2024-01-25
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. (TX)

In accordance with the fair credit reporting act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. Under 15 U.S.C. Code 6802b states a consumer reporting agency can not service the consumers account with a financial institution and to protect the confidentiality or security of the financial institution records pertaining to the consumer.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On XX/XX/year> I opened an account with XXXX XXXX mortgage and submitted paperwork that I earn money and that I dont have monthly only taking out as I can and I made my payments and then I was late I spoke to them and tried making partial payment and they did not let me so I had to wait till I can make the payment and it became even latter and now they have on my report that I was XXXX XXXX days late which is not true and as I am looking they still have not posted it and or removed the late as I was promised
Consumer complaint received 2024-01-25
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)

Credit reports are showing a negative credit card account for XXXX XXXX. # XXXX. 15 USC 1692g validation of debt. I do not recognize this account reporting on my credit report. I dont recognize the account number, the status of this credit card, the high balance or the late payments associated with it. Everything reported here does not meet the FCRA.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

The state of my credit report is profoundly concerning, and my dissatisfaction is comprehensive. It is not just highly embarrassing ; it is evident that either you or the company bears responsibility for reporting this inaccurate information.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have been a client of XXXX XXXX XXXX for several years with an excellent on-time payment history. However, after analyzing my credit report I have noticed XXXX XXXX  payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I send all payments promptly, but I'm unsure why the payments were not recorded by the due date. I tried to resolve the issue with the company but they refused to help me as a consumer I feel that my rights were violated.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered XXXX XXXX before the payment due date please provide the proof that this information was mailed out or delivered XXXX XXXX before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have XXXX XXXX to send me all the required information.
Consumer complaint received 2024-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NJ)

i just received a notification on lending tree stating my credit score decreased due to Jefferson Capital System reported inaccurate information on my credit report XX/XX/XXXX that i owe an outstanding balance of {$2100.00} and the account was opened on XX/XX/XXXX. i was just released out of XXXX XXXX XX/XX/XXXX i have no employment as of yet theres no way this is me and i never did any business with this company nor had any acknowledge that company existed.
Consumer complaint received 2023-11-16
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. ()

[ Urgent ] Support needed to generate my XXXX  Credit score report for a mortgage Hi Team, I am currently residing in XXXX and looking to get a mortgage to buy a home.I live in the XXXX  from XXXX and need a credit score report to share with my bank for the mortgage. Currently I have a bank account with XXXX still open in the XXXX. 

I am unable to generate an online credit report and get an error message. Is there anything that can be done? to give me access to my credit report or we might not get our loan approval in time and lose our home. 

I have tried several times online to generate the report through annualcreditreport.com & on website for XXXX, XXXX, Experian but I am running into errors everytime.
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hunt & Kahn, P.A. (FL)

Hunt & Kahn attempted to garnish my paycheck to collect on a presumed debt without providing any written notice of the garnishment. They later stated they sent a letter to an address I have not lived at in years and therefore it was not received. 

More recently, I have attempted to submit a settlement offer via this feature on their website 3 times in the past 3 months and sent 2 written letters to both published addresses, all of which remain without written or verbal response. I provided an email address and phone number. The most recent letter was mailed 2 weeks ago.