davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY (NY)

XXXX of XXXX and ongoing until XX/XX/XXXX TD Bank paid over to a merchant in XXXX installment payments of {$740.00} each. I informed them that I had never used the merchant 's service and had requested a cancellation and refund. However, they chose to forward those payments to the merchant despite my stern objection, Because of their failure to properly secure my account from and made those payments to the uncooperative Merchant I am now suffering this loss and humiliation. Those transactions and the issuance of provisional credits that were reversed caused the account to enter overdraft status which they are now claiming I have to make payment on before they will allow me to open an account. It is due to their dereliction, duty of care and failure to properly protect the funds in my account that gave rise to the current situation. Today, XX/XX/XXXX, I attempted to open an account with the XXXX XXXX branch with their check and was informed of the derogatory state of my name and credit. I also attempted to cash said check, ( Check No. XXXX dated XX/XX/XXXX ) with the XXXX XXXX XXXX but was rebuffed. They refused to cash the check stating that since I do not have an account with their bank they can not cash their own cash. Instead, they offer to cash the check only if I pay them a check cashing fee of {$10.00}. I refuse to pay them this fee as they have discriminated against me in opening an account and this debacle came about due to their negligence. Why should I pay them a fee to cash their own check? Why should I pay them a fee for a problem that they could have resolved in XXXX and for the degrading of my credit capabilities by holding a charge off against me? 

I would like to have : ( XXXX ) access to all my bank statements for the XXXX period. ( XXXX ) the reversal of the charge off from my credit report ( XXXX ) the reinstating of my account and ( XXXX ) the cease and desist of their discrimination against me.
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (GA)

Original verification request sent certified on XX/XX/2023. Letter signed for on XX/XX/XXXX. I received a response letter on XX/XX/XXXX that included an itemized document which, per FTC opinion letter from Attorney XXXX XXXX XXXX, does not constitute verification. Second request sent certified on XX/XX/XXXX, with mention of opinion letter. I have received no correspondence since then.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (MI)

Certified Mail # XXXX XXXX XXXX XXXX XXXX  To Whom it May Concern : I trust this message finds you in good health and spirits. 
I am reaching out to formally notify you of my decision to opt out of all authorizations, whether written, unwritten, or verbal, as outlined by the Fair Credit Reporting Act ( FCRA ), in my capacity as a federally protected consumer. 
In accordance with 15 USC 6802, I am exercising my right to revoke any previously granted authorizations. Consequently, I kindly request that any further use or disclosure of my information under such authorizations be ceased immediately. 
I am seeking your acknowledgment of this request and kindly request written confirmation that my decision to opt out has been duly acknowledged and implemented. 
Your prompt attention to this matter is greatly appreciated. Thank you for your cooperation.
Consumer complaint received 2023-08-27
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: NAVY FEDERAL CREDIT UNION (MS)

I have a hard inquiry dated for XX/XX/2023 and on XX/XX/2023 for NAVYU FCU. 
I have a hard inquiry dated for XX/XX/2023 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX. I didn't apply for anything to have these Inquiries on my credit report, Could you please remove these.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX is inaccurately reporting information on my consumer report. XXXX is showing a 90 day late payment in XX/XX/2023 however I was not late in XX/XX/2023 and XX/XX/2023. I contacted XXXX and they didnt correct this error.
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lending Club Corp (CA)

On XX/XX/2019 XXXX am I received a phone call from a XXXX number at my place of employment. The lady on the line said this was an attempt to collect a debt on behalf of XXXX XXXX   Lending Club, but did not state what company she was calling from. I responded with, " okay, I can not speak on this line because this is my place of employment. '' She became very rude and hostile stating that if I didn't tell her why I haven't paid my debt and speak with her today that there would be a lawsuit filed against me. I advised her that I have never received a notice from her company or received a notice that my debt had been sold off to another company. I stated that I would not be paying anything without proper paperwork and documentation. I asked her if there was a number I could call her back at so that this conversation did not interrupt my work in which she did not want to give me because, " I don't think you're going to call back and settle this debt since you haven't paid it already. ''
Consumer complaint received 2023-10-26
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (NV)

Charge was made XX/XX/2022 ( think it was the XXXX ) went 2-3 months with company refusing to respond or communicate on given number filed a complaint and wrote a review in which they responded with threats and false claims of slander/defamation and said it was a technical issue withdrew complaint giving them benefit of situation then went two months with same issue never harassed or threatened and no response on the line they gave Sent all emails and texts with company can provide again
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (FL)

We went into the store to make a couple of large purchases. My husband and I bought a mattress and a couch and coffee table. The promotion they were offering us was 4 years no interest. We got our first statement and it was different than what we agreed on with the sales person. We called and spoke to the store manager and he assured us he would be able to fix this issue by changing a code in their system. We were told that our payments would be set up to pay off our balance in full within the promo period and we would avoid all interest payments. 
I received an alert from a credit bureau that my credit use had increased, my score dropped and they would be adding all back interest to my account. They increased my minimum payment to over double. We tried contacting the bank and the store manager and neither were helpful.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (MO)

In reference to ID # XXXX the response was insufficient to the previous claim and charges. 15 U.S. Code 1611- Criminal liability for willful and knowing violation ; As the real beneficial owner of the account that Barclays has been fraudulently claiming the credit from the DTC. I requested my initial credit application be rescinded and all Securities Collateral. 
Per public law HJR-192 and Title 31 of the United States Code Section 5118 ( d ) ( 2 ), and the Fair Debt Practices Act, aka, Consumer Protection Act at 15 U.S. Code 1601 and 1693 from demanding payment in any specific coin or currency of the United States is against public policy. You at Barclays have failed to perform your duty as fiduciary trustee of the account.

The debt in request is a financial asset per Barclays 4249b ) ( 5 ), as the issuer you were obligated to pay the interest on the debt securities, which you send as a billing statement each month. I am the investor/lender, per 12 U.S. Code 1431 - Powers and duties of banks, ( a ) Borrowing money ; issuing bonds and debentures. Barclays did not lend me anything and should be paying me as the investor instead using it as receivables and financial asset to the benefit of the bank.

Failure to rectify this situation compel a complaint with the Securities and Exchange Commission ( SEC ), asserting non-compliance and potential SECURITIES FRAUD and the IRS Criminal Investigation Division ( 3949-A ) for an audit of the off ledger accounting for possible tax evasion.
Consumer complaint received 2024-03-11
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. (NY)

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), it appears that there are some inconsistencies and incomplete information among the XXXX major credit bureaus ( XXXX, Experian, and XXXX ) : Account Number : XXXX and Experian do not provide an account number. XXXX reports an account number that is partially masked as " XXXX. '' Account Type : All XXXX bureaus report an " Open Account '' as the account type. Account Type - Detail : All XXXX  bureaus report " Open Account '' as the account type detail. Bureau Code : All XXXX bureaus report " Individual Account '' as the bureau code. Account Status : XXXX reports " XXXX XXXX '' as the account status, which is not reported by the other bureaus. Monthly Payment : XXXX reports a monthly payment of " {$0.00}, '' while XXXX and Experian do not provide this information. Date Opened : XXXX reports a date opened of " XX/XX/XXXX, '' while XXXX and Experian do not provide this information. Balance : XXXX reports a balance of " {$2000.00}, '' while XXXX and Experian do not provide this information. High Credit : XXXX reports a high credit of " {$2600.00}, '' while XXXX and Experian do not provide this information. XXXX XXXX : XXXX does not report a credit limit, while XXXX and Experian do not provide this information. Past Due : None of the bureaus report past due information. Payment Status : XXXX reports " At least 120 days or more than XXXX payments past due '' as the payment status, which is not reported by the other bureaus. Last Reported : XXXX reports a " Last Reported '' date of " XX/XX/XXXX, '' while XXXX and Experian do not provide this information. Date Last Active : XXXX reports a " Date Last Active '' of " XX/XX/XXXX, '' while XXXX and Experian do not provide this information. Date of Last Payment : None of the bureaus report a date of the last payment. XXXX XXXX XXXX : XXXX reports XXXX XXXX XXXX for most months, with one instance of " XXXX  '' ( which typically means charge-off ). XXXX and Experian do not provide this information.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-26
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I had a credit card with XXXX XXXX XXXX for many years. It was on automatic debit so that each month the amount of the entire bill was authorized to be deducted from my checking account. According to a recently received credit report for me XXXX XXXX XXXX  reported that I was thirty ( 30 ) days late with a payment due in XXXX of 2018. If the payment was late it was not due to my error as there was an automatic debit agreement in effect during this time.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant XXXX and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-03-11
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. (FL)

I am writing to dispute unauthorized accounts on my credit report. I did not initiate these accounts, and I strongly suspect them to be the result of identity theft. I kindly request that you thoroughly investigate these accounts and promptly remove them from my credit report.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I have filed a dispute about an account on my credit report and the company failed to investigate the information or prove that they investigated the information. I provided documentation showing the information was not correct. XXXX XXXX XXXX XXXX XXXX amount is incorrect.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 Exceptional ) XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC (TX)

XXXX XXXX CFPB XXXX, I pray that this message reaches you in great peace. When Sending the Debt Validation Letters to National Credit Adjuster, I found the information to be faulty and incomplete. I specifically asked this company to produce the following pieces of information : XXXX XXXX XXXX XXXX Texas Sec XXXX XXXX XXXX XXXX Original Documents with signatures This company sent me documents from XXXX years ago for an account that they have stated to all three credit bureaus that this account charged off in XXXX. This account information is in violation of the FCRA & this companies is in violation of the Section XXXX of the XXXX XXXX XXXX prohibits a third-party debt collector or credit bureau XXXX XXXX in debt collection in Texas unless XXXX third-party debt collector or credit bureau has obtained XXXX XXXX bond and filed a copy of the bond with the Office of the Secretary of State. 
Please make contact with this XXXX XXXX collection agency in Kansas to make them comply with XXXX and XXXX laws. The contact information of this XXXX is below. Thanks so much for you time. 


Creditors Name : XXXX XXXX XXXX Creditors Address : XXXX XXXX XXXX SUITE XXXX, XXXX, TX XXXX Creditors Phone Number : ( XXXX ) XXXX Date : XX/XX/XXXX Dear Credit Bureau XXXX Member, Re : Account Number : # XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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