davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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. (FL)

In accordance with the Fair Credit Reporting act, the list of accounts below hasviolated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It alsostates a consumer reporting agency can not furnish a account without my writteninstructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agencymay make any consumer report containing any of the following items of informationAny other adverse item of information, other than records of convictions of crimeswhich antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) Aperson shall not furnish any information relating to a consumer to any consumerreporting agency if the person knows or has reasonable cause to believe that theinformation is inaccurate. Delete the accounts below : 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 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 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION (CA)

My account was randomly frozen with no reason why. My monthly bills are due including rent with the verge of being evicted due to not being able to access funds. Ive called everyday since and their response is theyre still reviewing. This doesnt seem legal in any aspect. This is Pentagon federal credit union ( Penfed ).
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (OH)

In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.
Consumer complaint received 2024-06-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX  - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-05-05
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. (PA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. 

Please remove the following fraudulent items. Accounts : 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 INQUIRIES : 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 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I would like to address issues concerning accounts labeled as late payments that are reporting inaccurately on my credit report. Despite my history of consistently making responsible and punctual payments as a loyal customer, these accounts are inaccurately depicted as delinquent. This misrepresentation is unacceptable and requires immediate correction.
Consumer complaint received 2024-06-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

Between XXXX and XXXX, I attended XXXX XXXX XXXX XXXX XXXX in XXXX, MA. I graduated there with a XXXX in XXXX XXXX XXXX, and learned a number of skills that were virtually useless in the workplace after graduation. The school lied about their job rates post graduation, and have been found to have been giving out predatory loans. 

While my loan balance in Navient is paid off, that only is the case because I have taken out a home equity loan in order to pay off the balances. So that money is now just rolled into a new piece of debt. I paid the school over {$80000.00} for fraudulent loans ( federal and private ), which I believe hurt my job prospects coming out of school. The skills I learned were almost entirely self-taught after college, and were not provided from the school. This caused me to get a sub-par job out of college earning a poor salary, and having to basically reset all my skills myself in order to ascend to better positions doing what I originally thought AI would provide me the skills for.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I purchased an item that was defective from an XXXX third party seller. I purchased a wheel kit for an electric bike from XXXX. I made an appointment with a tech to put it together. When the day came to get the bike together we found that it was defective. When assembly was completed and we turned the bike on it flashed an error code and the display went dark. The bike never ran and the display didnt even work. I took the bike and kit to the best shop in Michigan, XXXX XXXX  for a second opinion. Its over an hour drive from my residence but I really wanted fix whatever was wrong. I had heard XXXX can be really difficult about expensive returns. I attempted working with the seller and had several conversations with them that I sent to Huntington to prove that I was ripped off and to reverse the charge. The seller wanted me to continue to troubleshoot the issue and wouldnt send postage for the return even after I requested it and it is amazons policy. I had several pieces of evidence that this seller was shady and stealing from XXXX customers. Their product either worked or was defective according to the reviews I got off of XXXX to support my claims. The charge was over XXXX dollars. There was a big language barrier it seemed and no help was ever given aside from the same trouble shooting information. I tried to work with XXXX and they said I had to work with the seller. With no success I had to go through the bank to reverse the charge. The bank gave me my money back and I sent them all my information regarding this transaction including all conversations with the seller, reviews for the product, XXXX rules for third party sellers, and proof I requested all chats with XXXX that DELETED my chats with customer service. XXXX said I wouldnt have access to my own chats for up to a month.. After not hearing anything with the deadline approaching I reached out to make sure they viewed my proofs. They hadnt!!!!! They were just going to withdraw the money back out of my account. They reviewed not a thing I sent them. I had a conversation with a customer service representative that was speechless and didnt know what to say or do. Ive backed with Huntington for years but never again. This was robbery. The withdrawal date was yesterday XX/XX/XXXX and today on XX/XX/XXXX they tried to withdraw the amount for the defective XXXX e-bike wheel kit that never worked and they failed to investigate. 
I have statements from two e-bike shops that my kit was defective along with their contact info. I offered them to XXXX and the seller. Absolutely no one was interested. 
I really wanted to just fairly resolve this matter or get a replacement kit. 
Times are tough and to just take over XXXX dollars from a blue collar family is just rotten business.
Consumer complaint received 2023-12-29
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. (AZ)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

wednesday XX/XX/year> at XXXX i received a call from a woman at XXXX claiming to be with bank of america wanting me to authorize a charge to my credit card. i do not have a bank of america account. i informed her she had the wrong number. she asked- is this XXXX XXXX, social security number ending in # # # #. ( which WAS my number ) i answered i dont know. she said - you dont know? i told her i do not have a bank of america account. you have the wrong number. and hung up. her questioning was attempting to get a yes out of me. i would not say yes.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX These addresses above are on my report and are not past addresses for me, 1 is my sisters and 2 are my parents which I never lived with. 

This name is included on my report and is not correct, XXXX XXXX
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX of 2021, XXXX is reporting a late payment. I was never late and the company refuses to show any documentation of being late. I want this corrected as paid and never late as I was not late the 30 days they are claiming.
Consumer complaint received 2024-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

LVNV FUNDING LLC opened an unknown account on my credit report as the original lender on XX/XX/year> for the amount of {$620.00} and I never had an account with them. 
I called them multiple times and asked for verification of debt owed and original documents proving that I owe debt and they hung up in my face multiple times. I asked to speak to someone higher and they put me on hold and disconnect the call. I asked multiple times for them to provide proof or remove account completely off my credit report from all 3 credit bureaus ( XXXX, XXXX XXXX XXXX ) I have disputed this account several times and it has still not been removed. I ask that this account be closed and removed from my credit profile with all 3 credit bureaus ( XXXX, XXXX XXXX XXXX )
Consumer complaint received 2024-06-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (MS)

Please remove the inquiries from my credit reports 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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. (OR)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-03-11
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: CCS Financial Services, Inc. (VA)

In accordance with the fair credit reporting act, Credit Collection Services, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-06-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lyons, Doughty & Veldhuis, PC (NJ)

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by Lyons, Doughty & Veldhuis, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached by Lyons, Doughty & Veldhuis , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand Lyons, Doughty & Veldhuis, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements.

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that Lyons, Doughty & Veldhuis , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello, The information listed which appears on my credit report, does not relate to any transaction that I have made. Thank you! 

CAP ONE XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (FL)

In accordance with the fair credit reporting act SANTANDER CONSUMER USA ACCOUNT # XXXX has violated my rights. This account has been paid in full and closed but it is still reporting inaccurate information on my credit report as a delinquent open account. That is inaccurate fraudulent information and has hurt me the previous few months in obtaining housing and business funding.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. According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

on XXXX I noticed a large charge on my debit card {$420.00} during a time I was at work at a store I have NEVER shopped at and I called my bank as soon as I was able to let them know I didn't authorize this charge and I had realized by then I didn't have my card in my possession. I was advised a claim was submitted and figured there would be no problem as this was clearly a crime. I was never advised to call the store or the police. after the XXXX days I was advised that the charge was valid and not made in error, so of course very confused by this as I had advised NO ONE had the ok to make this charge. I called the bank ( wells fargo customer for over XXXX years ) claims department and was VERY rudely advised I was responsible for the charge and they investigated it and found that it was a valid charge. I asked what factors played a part in their " investigation '' but I have been told now by XXXX different claims reps that they can not tell me how they led up to that incorrect determination. Asked for a supervisor... never heard back. I called XXXX other times to the same run-around. asked for an appeal and was hung up on. called back and was told there was nothing I could do the decision is final. 
Called the store ( XXXX XXXX XXXX XXXX  ) and asked how this happened they advised the XXXX  was able to run it through as XXXX i am unsure why i even have a PIN number if the criminals don't have to use it. This was over a XXXX dollar charge and i have been unable to pay other bills resulting in a bad time for me. 

PLEASE HELP! 
I
Consumer complaint received 2024-06-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (FL)

I recently opened an account with Synchrony bank. I had my paycheck for the amount of XXXX deposited on XX/XX/year>. I then requested a transfer that same day of {$2000.00} to my XXXX financial institution by logging into my XXXX bank account thru Synchrony Banks online platform to link the accounts which went through and the transfer was submitted. Per the website it would take XXXX business days for the transfer to go through and was to be posted on XX/XX/year>. On XX/XX/year> i received an email from Synchrony bank advising that they needed to verify i was the primary account holder for XXXX banking institution ( both accounts have my legally listed name exactly the same ) and that they restricted access to all of my funds and in order to have it lifted i would have to do a XXXX way call with my bank. I then called proceeded to callback on XX/XX/year> and spoke to a represtative to have this completed and i was identified as the primary account holder of my XXXX bank and was assured the restrictions would be lifted in by XX/XX/year> and the transaction processed. On XX/XX/year> at XXXX XXXX XXXX i received another email from Synchrony Bank advising that the transaction was denied due them not being able to verify my account and that they where again restricting access to my account for the same transaction. I then proceeded to call and they advised this time that my XXXX bank had problems processing the transfer. I reached out to my XXXX bank and they advised the had no record of a pending transfer from Synchrony. I then followed up with synchrony and was told i would have to wait for the XXXX restriction to be lifted in order to resubmit the request again. As Synchrony is online only bank i now have no recourse to withdraw my money from the bank as they have not issued an debit card even though my account is funded, and every transfer I've initiated has caused my account to be restricted. This is causing great financial harm as i am not able to pay my bills and currently accruing late payment fees for my rent and car payments with no recourse from the bank.
Consumer complaint received 2024-06-05
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Serval Companies has placed hard inquiries on my credit from XX/XX/XXXX until XX/XX/XXXX it has cause a huge impact towards my credit score and I want to have those hard inquiries removed