davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PR)

I called to apply to an emergency loan of {$1000.00} that the XXXX XXXX  XXXX have advertised and I can't process it in their online webpage as other applicants. I then wrote y XXXX XXXX and sent the application submitted that in the first attempt gave me an error, I believed that they are making physiching with the people that visit their webpage but I applied again. Then I received calls of the institution and received an email of the manager requesting me application documents, I sent and never told me neither notified me that the emergency loan was denied. I checked my XXXX credit report and saw their institution listed on my inquiries they denied the loan based on my credit report during a pandemic disaster. I am a natural declared disaster and declared disaster survivor and my credit reports were impacted because the banking institutions making unauthorized charges after closed accounts in the middle of the disasters and did not provide me any payment arrangements neither moratorium, I make several disputes and submitted statements but the institution used my credit report to denied my loan. They are not approved my loan in less favorable terms than other applicants, in discriminated actions against me.
Consumer complaint received 2023-11-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

On the XXXX XXXX XXXX, I received two invidious letters from the law office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; on behalf of two debt collection agencies : XXXX XXXX XXXX and Midland Funding LLC. The letters purport that I owe some unspecified and unsubstantiated debts, and that a wage garnishment order has been exigently executed and sent to my current employer. 

Let me unequivocally state that I do not recognize these fictitious and mendacious accounts, neither do I intend to make any payments therein. Succinctly, I will pay XXXX dollars! I refuse to be inveigled, inculpated or browbeaten into accepting any pecuniary responsibility or obligation, concerning the debts. 

Furthermore, the letters did not specify any dollar amounts owed, nor have any appurtenant evidence linking me to these debts. Be apprised that I am requesting a debt validation notice on these accounts, and will also be contacting the office of the NJ Attorney General.
Consumer complaint received 2024-07-31
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: Experian Information Solutions Inc. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-28
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Orion Capital Solutions LLC (OK)

The debt collection company is Orion Capital. The collector who was calling non-stop is XXXX XXXX. He repeatedly called my personal phone, and then began calling my work number. My co-workers told him he was not allowed to contact me at work, and when he would not stop, one of them, on XX/XX/year> told him I no longer worked there. He responded with, " Well, she did last week! ", and when she told him he had been repeatedly asked not to contact me at work he would not stop yelling at her, so she hung up on him. He immediately called back and asked to speak to MY SUPERVISOR!!! My co-worker told him that anyone who works here is going to tell him the same thing, it's a state office, he's not allowed to call here. She hung up again, and he called back a third time, all within a ten minute time frame, and he said he would keep calling over and over again because he had " all day ''. I told my co-worker to get his name and number and I would call it when I finished with my client. Before I called the number, I noticed that XXXX XXXX had left me a voicemail and in it, he said he didn't appreciate being hung up on that I was rude and that he would be calling back to talk with my supervisor. ( So, I have voicemail proof and witnesses to his collection practices ). When I finished with my client, after having been thoroughly embarrassed at work in front of all of my peers and the client at my window, I called Orion Capital and spoke with HIS supervisor, and told her everything that he had been doing. I explained it is not legal for them to call me at work, harass not only me, but my co-workers as well, OR talk to my supervisor or anyone else BUT me about any debt that I might owe. I asked her to send me communication via mail only, and that I would be happy to look at it and see what it is, and what they were offering as a solution, if I did owe the debt. I told her that I wanted XXXX relieved from servicing my account, and if anyone from Orion Capital called my workplace again, and/or if I happened to lose my job, I would obtain legal counsel. The supervisor 's name was XXXX XXXX, she was very apologetic, promised that nobody would contact me by phone again, and I would receive mail communication only from this point forward. I am complaining here, because if this is standard practice for this company, they need to be stopped!! They do not need to call incessantly, threaten people, harass them, or talk to others about someone's debt. People should not be subjected to that kind of stress, XXXX, and personal embarrassment just because they may or may not owe a corporation money. Nobody should have to deal with this kind of collection practice. Period.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Love, Beal & Nixon, P.C. (OK)

XXXX, XXXX, and XXXX on behalf of a XXXX  XXXX Credit Card. My deceased ex husband applied for this card in XXXX. I asked for an appeal because I did not apply for this card. When my ex stopped paying on this card, they sent out a process server. The documents had my name on them and I no longer lived with my ex husband. My ex husband signed those papers. I never saw them and never knew about court dates. Within 4 years, my checks started getting garnished and they randomly drain my bank account and will garnish my paychecks. XXXX XXXX no longer exists. This was not my debt. My deceased ex husband did this illegally and again signed the process server papers, which I never saw or agreed to.
Consumer complaint received 2024-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (MD)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. 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 2022-04-14
Product: Credit reporting, credit repair services, 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. (PR)

I called to apply to an emergency loan of {$1000.00} that the XXXX XXXX  XXXX have advertised and I can't process it in their online webpage as other applicants. I then wrote y XXXX XXXX and sent the application submitted that in the first attempt gave me an error, I believed that they are making physiching with the people that visit their webpage but I applied again. Then I received calls of the institution and received an email of the manager requesting me application documents, I sent and never told me neither notified me that the emergency loan was denied. I checked my TransUnion credit report and saw their institution listed on my inquiries they denied the loan based on my credit report during a pandemic disaster. I am a natural declared disaster and declared disaster survivor and my credit reports were impacted because the banking institutions making unauthorized charges after closed accounts in the middle of the disasters and did not provide me any payment arrangements neither moratorium, I make several disputes and submitted statements but the institution used my credit report to denied my loan. They are not approved my loan in less favorable terms than other applicants, in discriminated actions against me.
Consumer complaint received 2024-07-31
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: Experian Information Solutions Inc. (FL)

To Whom It May Concern : I am writing to dispute an item on my credit report. The item in question is : US BKPT CT FL XXXX Ref # XXXX I believe this item is inaccurate and should be removed from my credit report for the following reasons : 1. The debt collector has failed to validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. 

2.Pulled out of BK and started making payments again. Never completed BK process Under the FDCPA, specifically 15 USC 1692e ( 8 ), it is a violation to report information to a credit reporting agency that you know or should know to be inaccurate. As such, I request that you investigate this matter and remove the item from my credit report. 

Please provide me with the results of your investigation within 30 days, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/ Truist bank closed my checking, I use the account to deposit my Social Security check, I have had the account for about 7 years, the bank allowed nine checks of {$990.00} to be deposited in the account and the cash to be withdrawn, I believe the bank was negligent in allowing this to occur, I have never used the account for these types of transactions and the bank should have detected it, the bank is threatening to charge me and inform other banks so I cant open an account
Consumer complaint received 2024-07-11
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: Experian Information Solutions Inc. (CA)

The consumer reporting agencies XXXX XXXX and Experian has not investigated and has not looked at my attachments and see that there are duplicate accounts and there is errors by ignoring the attachments that I sent to them to investigate. XXXX XXXX XXXX has reported twice on my credit report for the balance of {$670.00} and the amount due balance is {$670.00} on these account # XXXX. I have a XXXX XXXXXXXX XXXX report that states that the last reported update was XX/XX/XXXX for the balance amount of {$570.00} and amount past due of {$150.00}. If this actual document of evidence that I provide today XX/XX/XXXX is not shown as accurate that I know that this is done intentionally and that no one is actually investigating my account. I demand these duplicate accounts showing a balance from {$670.00} be deleted and removed for my credit report.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (OR)

I filed a complaint with US Bank and the company responded by attaching an old letter from a different complaint, related to a different issue, dated with the old date, that was copied and pasted from the old problem, and therefore did not address my complaint. I suspect they will again do the same because they refused to close a core deposit account, the online banking teller told me they " lost '' my money. They submitted a research ticket and still could not find my " lost '' money after a month. When I filed my complaint about this, they uploaded a response to an old complaint, rather than the current actual complaint. I suspect they will do the same again. They are stealing money, and are not being held accountable, which is why they did not respond to my last complaint.
Consumer complaint received 2024-05-16
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: EQUIFAX, INC. (CA)

Investigation of unauthorized inquiries While checking my credit report, I noticed an unauthorized inquiry had been made from XXXXXXXX XXXX XXXX XXXX on XX/XX/year> I have tried to contact the concerned organization, that conducted the inquiries and asked them to remove credit inquiries from my credit profile. I have asked them to cease their illegal activities with immediate effect but with no results. Since I sent the letters more than 30 business days ago, they have failed to respond to and honor my request. I am forced to request your help in resolving this matter. By the Fair Credit Reporting Act, I request that you start an investigation into the matter. After the investigation is complete, if you find my allegations to be correct, please remove the unauthorized inquiries and send me a fresh copy of my credit report at my current address. If you find the inquiries referenced above to be correct, kindly send me a description of the operation used in your investigation within 15 business days of the completion of the re-investigation.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

Complaint - To help us get the investigation process started, provide a brief description of the complaint including dates and the names of those you dealt with. 
Do NOT include any personal information such as account numbers or Social Security numbers On Tuesday XX/XX/2024 wwnt to Truist XXXX XXXX  branch to cash and deposit a check, into one of my 2 checking accounts.since one of the accounts was overdraft by {$110.00} dollars the teller ask me if i want to depostit in the overdraft account i said no iwilltake care of that later since im trying to recover from a week of not work for a medical problem. I make the deposit of {$110.00}. Next day wednesday XX/XX/XXXX i notice that a transfer has been made by the bank from one account to another to cover the overdraft without my consent and the account its not longer active. Icalled customer service and they confirm that a bank employee made this transfer from the branch so i asked to speak with a manager to open a complaint and request my money back, so she said that she open a complaint but the refund most be worked with the branch.i called the branch the same day and discover that nobody did the complaint report, after several atempts to contact some one at the branch that can help me they just write my info multiple times so the branch manager can return the call. I only got a message from the manager stating that if the bank did that transfer is because they can finishing the sentence with I giess. 
How can your complaint be satisfactorily addressed? 
Credit my accoumt with the {$110.00} dollars that they take from my account without my consent or even a communication. And prohibit them from doing transactions on clients accounts
Consumer complaint received 2024-07-31
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. (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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I paid the statement bal in full yet XXXX XXXX XXXXBank of America keeps billing me and I want this billing to be removed from my credit report and zeroed out. 

Account Number : XXXX Due Date : XX/XX/2023 Total Minimum Payment Due : {$71.00} Statement Balance : {$150.00} Bank of America XXXX R ) Transfer Hi, XXXX XXXX we've received your credit card payment Payment : {$150.00} To : XXXX XXXX XXXX XXXX XXXX in - XXXX Date posted : XX/XX/2XXXX XXXX
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have a few charge cards with Capital One and one of them has 2 payments past due. I have been always responsible with my payments, however, as of now I am facing challenges to make payments and I tried to work an agreement to pay them what I can afford. They are demanding certain amount for a 3 months payment plan and I feel like I ran out of options.
Consumer complaint received 2024-07-31
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. (GA)

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. 

Account Name : XXXXXXXX XXXX  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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-07-31
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.