davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NY)

New York XXXX XXXX XXXX XXXX XXXX XXXX Innovis, XXXX XXXX, and XXXX has repeatedly ignored my request to remove the inaccurate account from my personal private consumer report. By not doing all aforementioned parties are in direct violation of the following laws : 42 U.S.C. SECTION 666 ( 7 ) ( i ) Reporting Arrearages to Credit Bureaus- ( i ) only after such parent has been afforded all due process required under State law, including notice and reasonable opportunity to contest the accuracy of such information. And 15 U.S.C. 1681 ( A ) ( j ) ( 1 ) ( 2 ) ( j ) Definitions Relating to XXXX XXXX Obligations ( 1 ) Overdue support.

The term overdue support has the meaning given to such term in section 666 ( e ) of title 42.

( 2 ) State or local XXXX XXXX  enforcement agency.

The term State or local XXXX XXXX  enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing XXXX XXXX obligations. And 28 U.S.C. 3002 Definitions : ( 4 ) Debtor means a person who is liable for a debt or against whom there is a claim for a debt. And Supreme Court of the United States XXXX - Child support agreements are equivalent to interstate contracts and rejecting the idea that child support payment obligations are somehow " different '' ( citing XXXX XXXX XXXX 92 F.3d at 106 ) United States XXXX XXXX XXXX XXXX Second XXXX XXXX New York. And United States XXXX XXXX XXXX XXXX Minnesota ( Division 4 - XXXX ) decision of XXXX XXXX XXXX, XXXX and XXXX
Consumer complaint received 2023-08-26
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Scott Fetzer Financial Group Inc. (NV)

XX/XX/ I applied to XXXX XXXX  timeshare transfer company to help me grid of my timeshare. They had a process to fill out their application. the first was to get my personal information and signed up for financing with their finance company. they were to send me more forms and I had ten days to return the forms. They sent the forms, and I couldn't understand what they sent. the forms weren't in English. I called and they couldn't get back to me within 24 to 48 hours and I am on 10 days limited. I called again now I get insurance listings and another time I called I get that this call is an international number. 
red flags. I finally did get someone on the phone and he said he would fix the problem that didn't happened. Ten days pass now the contract is supposed to be cancelled. I called the finance company United finance company and asked the to cancel the account. They said they couldn't. XXXX XXXX had to cancel the account. that didn't happen. Now they are harassing me for money on an incomplete application that is supposed to be cancelled
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

I retired in XXXX of XXXX at the time I was a Suntrust Bank customer and that bank merged into Truist Bank so from XXXX until today I have been depositing my annuity check into my checking account. On Saturday XX/XX/XXXX I deposited my check through mobile up load and during the uploading process the phone stated that it didn't see my signature so I followed the prompts and took several pictures of the beck of the check because the face of the check was immediately accepted. I canceled the upload and started and this time, which was the second time it accepted my deposit. On Monday morning I looked into my account and a 7 day hold was placed on my check so I called the bank and was placed on hold for 3 hours so I decided to go to the bank. while enroute to the bank I called and left a voice mail to let XXXX XXXX know what was going on and by the time I arrived she had received information that my account was closed to deposits and my debit card had a warm hold placed on it and it will not work??? I advised her to look at my history with this bank, I have been depositing my annuity check in this bank for the last 24 years and nothing like this has never happened and please explain why? She advised me that all of my accounts are closed for the next seven days or until the investigation is completed??? I further advised her that I have to pay my bills and I'm going to pay late fees and I can't afford it ... the late fee for my truck note is {$74.00} and my credit cards are {$30.00} and I have 8 cards including my Truist card. To this date I have not been given a reason for this 7 day hold and I need to pay my bills???? I tried to call the administrative offices and I spoke to XXXX XXXX and she said that when I opened the account with Truist that I agreed to allowing them to place a 7 day hold on my check at anytime. I live from month to month on my pension check and this has created additional debt and no one can explain why and XXXX XXXX stated that Truist will not refund any of my late fees and I have to wait until XX/XX/XXXX before my retirement check is released!!! this is not right and I have not done nothing wrong! Please I need help! Thank you!
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Inaccurate credit reporting. I have written a letter to this Credit Reporting Agency to challenge these inaccuracies. Details of these issues are shown in the letter which is uploaded on this portal.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and XXXX XXXX  with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-26
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: Experian Information Solutions Inc. (UT)

Experian has not updated my credit report in months and I recently filed a dispute to correct some of the information they are reporting. I uploaded documents from XXXX, my student loan servicer and from the Washington State Division of Child Support. 

However, Experian has rejected my documents per an email received a couple of days ago.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was looking at my credit report and noticed a lot of things that I didn't apply for or used on it. It is messing up my credit and my opportunity to get the things I need. So I need these items removed for good.
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-17
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)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX The above number is the case number to my original complaint with the CFPB regarding Bank of America . 

During the early part of XX/XX/2023, my client XXXX XXXX and I inquired of Bank of America what their protocol is regarding his desl deposit funds received by him from the Treasury dept. The Bank of America representative stated that we would have to show POA showing me as agent, in order to facilitate tasks he ask of me. This was shown in branch and after funds were deposited. Shortly after, BofA suspended account activity. Then requested that I go in person to verify identity and have Bamk of America 's in branch representative send over the POA. This was facilitated on the XXXX of XXXX. I was informed that a decision would be made by mid XXXX. That came and went and nothing. I'd like to point out this fact. When a client and their attorney are awarded monetary compensation. Those funds are made payable to the client, however the attorney deposits said funds into their account and from there disperse payment to the client. So the banks logic on stating finds are third party is baseless. Also attached below are the banks guideline for POA usage amd its abilities.
Consumer complaint received 2023-12-20
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: CAVALRY INVESTMENTS, LLC (CA)

This company claims a debt is new and shows on credit report as defaulting on the debt on XX/XX/XXXX. This debt is old and it was charged off in XXXX XXXX. I am still contacting the original creditor and yet to be contacted back because they couldn't find the information on the credit card only to who it was sold. It has been sold twice to two different companies. The statues of limitations for my state has expired and they have been treating me to sue me to collect this debt.
Consumer complaint received 2023-08-26
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. (UT)

XXXX has not updated my credit report in months and I recently filed a dispute to correct some of the information they are reporting. I uploaded documents from XXXX, my student loan servicer and from the Washington State Division of Child Support. 

However, XXXX has rejected my documents per an email received a couple of days ago.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions
Consumer complaint received 2023-04-14
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (SC)

I sent the dealership ( XXXX XXXXXXXX XXXX XXXXXXXX South Carolina ) my notice of rescission where my car was leased about the fraudulent transactions that were committed. I participated in a consumer credit transaction and not a loan pursuant to 16 CFR 433. I sent out the paperwork via CERTIFIED MAIL in XXXX of XXXX and gave them 20 days to respond of course no response. I also sent out another notice in XXXX of XXXX which is well over 20 days, still no response. I will be going to court and filing a default judgment soon if I dont receive a response soon! I have been very patient even though my car was repossessed in XXXX of XXXX and I didnt even receive a notice of cure. They also violated 12 CFR 1026.4 which says that a finance charge does not include charges of a type payable in a comparable cash transaction! You can be fined up to XXXX for giving false inaccurate, and fails to provide information which he is required to discord and in this case XXXX XXXX XXXX XXXX sc willfully did when you failed to disclose and provide all information clearly to me a consumer!
Consumer complaint received 2024-05-17
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. (CA)

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
Consumer complaint received 2023-08-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Worth Finance Corporation (TX)

On My Credit report it shows that XXXX XXXX Debt. was Over 5 years old and beyond the Texas Statute of Limitations and as a Violations of the Fair Credit Act they removed the Debt and restarted the Debt in XX/XX/XXXX when in fact the date on the debt shows a date in XXXX which is 5 years ago. The uploaded Documents would show proof that the company purposely trying to Violate the Fair Credit act by removing and restarting an Debt that legally is not collectable and not valid due to the Texas Debt statute of limitations.
Consumer complaint received 2023-06-30
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: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. 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. Please update or remove the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there 2 late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose. In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports. In accordance with the written instructions of the consumer to whom it relates Please remove this creditor has violated my rights.
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. (DE)

I am writing to express my deep concern over the failure of XXXX, Experian, and XXXX, the three main credit bureaus, to validate and research the debts listed on my credit reports in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my diligent efforts, including sending validation letters and making phone calls, these credit bureaus have not provided the required verification within the prescribed timeframe. This disregard for legal mandates has left me questioning the accuracy of the information on my credit profile and eroded my trust in their compliance with consumer protection laws. I urge for a comprehensive investigation into this matter to ensure the credit bureaus ' adherence to these vital regulations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
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: CITIBANK, N.A. (NY)

I am writing to formally lodge a complaint against CitiBank regarding their handling of a dispute charge on my account. The charge in question amounts to {$1800.00} and was made on XX/XX/XXXX, for an order placed with XXXX. Despite my repeated communications and provision of necessary documentation, CitiBank has failed to resolve this dispute to my satisfaction. 

To provide context, I never received the merchandise from XXXX for which I was charged {$1800.00}. Upon realizing this, I immediately contacted CitiBank and filed a dispute ( Dispute Case Number : XXXX ). After several months of purported investigation, CitiBank informed me in a letter dated XX/XX/XXXX, that they had made every effort to resolve the dispute but were unable to secure a refund from the merchant. 

This conclusion is unacceptable and reflects gross negligence on the part of CitiBank 's dispute resolution team. The merchant did not provide any tracking number or tracking history to confirm the shipment of the order. Instead of thoroughly reviewing the documentation and demanding proper evidence from the merchant, CitiBank simply accepted the merchant 's refusal to issue a refund. This action, or lack thereof, demonstrates a clear failure on the part of CitiBank to act in the best interest of their customer and to fulfill their duty in the dispute resolution process. 

I am deeply frustrated and disappointed by CitiBank 's inadequate response and their apparent disregard for customer protection. It is evident that CitiBank did not conduct a thorough investigation and instead opted for a cursory review that favored the merchant without any substantial proof of delivery.
Consumer complaint received 2023-08-26
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. (TN)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose