davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
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. (FL)

XXXX XXXX Account XXXX XXXX - This charge-off account shows a {$380.00} balance. The balance should not be reported after it was a charge-off. Also, the dates last activity is shown differently on the report ; XXXX shows XX/XX/XXXX, Experian claims it was XX/XX/XXXX, while XXXX shows XX/XX/XXXX. This is clearly inaccurate. As per 15 U.S. Code 1681e, consumer reporting agencies are required to take reasonable measures to ensure the highest level of accuracy possible when preparing consumer reports. This means you must employ proper procedures to minimize errors and ensure that the information pertaining to the individual in the report is as accurate as possible.
Consumer complaint received 2024-06-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (TN)

Advance 24/7 Financial line of credit. I have used this line for several years XXXX to XXXX. I explained I had a loss of some of my income & having difficulty make payment. I asked to begin making payments on Principle amount {$1900.00} to stop the Bleeding ie, excessive interest ) but was told their ( auto ) system would not allow it until 360 % paid first. The interest from XXXX to present XXXX is now a minimum of {$2400.00}. They want me to pay {$500.00} on the XXXX XXXX XXXX but w no guarantee that the excessive interest will continue to go up as the ( auto ) system act on its own. They said if I make this payment they would take off appx additional {$100.00}. This should not be allowed in our state TN or anywhere. I appreciate any help I can receive to settle & stop this predatory lending.
Consumer complaint received 2024-06-14
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: WELLS FARGO & COMPANY (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-19
Product: Credit card — Store credit 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. (IA)

On XX/XX/year>, I went to Best Buy to purchase a dishwasher and was told by the salesperson that I could open a CitiBank credit card and save some money, so I did. After talking to my daughter, the next day XX/XX/XXXX, I decided to cancel the order and so I called Best Buy and was told the order and the credit application was cancelled. 
In May, I received a bill from Citibank to {$59.00} annual fee. I called Citibank and was told the application was cancelled and they would removed the fee. 
Then, last Thursday, XX/XX/XXXX, I received another bill from Citibank for {$59.00} fee and {$30.00} late fee! 
I called Citibank today, with the help of my adult daughter, explained what we were told and after XXXX minutes and XXXX transfers we were transferred to a manager that told us we would have to call Best Buy to clear this up. 
I called the manager at Best Buy who said I would need to reach out to Citibank yet again as the charges are from Citibank.
Consumer complaint received 2023-05-04
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. (CA)

I am writing to dispute the following information that appears on my Equifax report from XXXX XXXX XXXX XXXX account with account # XXXX opened on XXXX and a balance of {$0.00}. I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Equifax failed to perform an investigation and delete the disputed information. 

Inquiry from XXXX on XXXX 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX on XXXX 
I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX XXXX on XXXX 
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 

Thank you for your assistance. 

I personally signed and sent this letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NC)

Date : XXXX Event : Called the bank to address an issue with not receiving my check. 

Details : I was informed that I needed to wait 60 days to receive my check. 
60 days later ( XXXXXXXX XXXX ) Event : Followed up with the bank as I still had not received my check. 

Details : The bank informed me that there was a system issue preventing me from receiving my money. 
Current Situation ( XX/XX/year> ) Event : It has now been 3 months since the initial complaint, and I still have not received my money. 

Problem Description : Despite multiple attempts to resolve the issue, I have been unable to verify myself with the bank, and the system issues have not been resolved. This has left me without access to my funds, severely impacting my ability to pay bills and buy food. 

The amount of {$3700.00}
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo bank after XXXX XXXX would support XXXX, a large Wells Fargo client, terminated my XXXX checking accounts and savings account. Bad banking business relationship. Nothing further given. 

XXXX XXXX
Consumer complaint received 2023-05-04
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: ERC (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX  & Account # XXXX XXXX XXXX XXXX Account # XXXX Enhanced Recovery XXXX Account # XXXX XXXX XXXX XXXX & Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX and have violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that 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.

15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-06-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCalla Raymer Leibert Pierce, LLC (IL)

On approx XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX filed a fraudulent foreclosure case against the consumer. After requesting validation of any alleged debts, they failed to provide any proof that there was ever a contract to do business let alone proof of any debt owed. They are guilty of fraudulently filing the foreclosure via hearsy, slander, libel and harassment of the consumer. They are also guilty of identity theft and filing fraudulent records in the county courts as well as the local law bulletins further tainting the consumers name and ruining her reputation and credit worthiness. They stole the consumers idenity as well as the consumers family members including the children 's identities for unjust enrichment. Consumer never heard of these companies until the fraudulent foreclosure case was filed. They also used skip tracing technology to infiltrate the consumer 's life without consent.
Consumer complaint received 2024-06-13
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (MI)

On XXXX XXXX XXXX account opened with XXXX for a credit card in the Amount of {$350.00} Acct # XXXX was opened in my name with out my knowledge or consent. and mailed to the Address of XXXX XXXX XXXX, XXXX mi XXXX a home in which i have never stayed but was being used to create a false identity using my personal information and have goods mailed in my name. I have tried to reach out to this company about this matter concerning this fraudulent account several times. I was hung up on or Ignored all together when talking to customer service representatives for this company. This company has received a copy of the police report filed by me at my local police station and FTC Report from the Federal Trade Commission naming this account as fraudulent but still is trying to collect this debt and is still reporting this debt to the XXXX major credit bureaus making me ineligible to obtain housing or reliable transportation due to this companies negative reporting of this fraudulent account. This company has Ignored all Requirements of its obligation of furnishers under the Fair Credit Reporting Act 15 U.S.C. 1681s-2 section 623 I have tried all that i can, but these companies do what they want.
Consumer complaint received 2024-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (GA)

1- ISSUE ONE : I HAVE BEEN REQUESTING MR COOPER TO SET UP BIWEEKLY PAYMENT SINCE XX/XX/2024. THEY KEEP REJECTING MY REQUEST STATING THEY NEED PREPAYMENT FOR ONE MONTH AHEAD WHICH WAS DONE ABOUT TWO MONTHS AGO AND THE APPLICATION DOES NOT HAVE DRAFT DATE, WHICH IS NOT ACCURATE. 
I HAVE REQUESTED THEM TO CONFIRM : - THE prepaid for one month ahead AND RECEIPT OF THE FORM WITH DRAFT DATE. NO RESPONSE. NO ONE TO SPEAK TO. I HAVE SENT SEVERAL EMAILS FOR THE PAST MONTHS AND NO RESOLUTION. EVERYTHING THEY HAVE REQUESTED HAS BEEN SENT. 

2- WHEN I CALL THEIR CUSTOMER SERVICE NUMBER IT SAYS " YOUR LOAN HAS BEEN TRANSFERRED '' CONTACT YOUR CURRENT SERVICER. 
WHICH IS NOT TRUE - MR COOPER IS STILL MY SERVICER.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (IL)

On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were inaccurate because they were furnished without my written signature. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the i nformation. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code1681b Permissible purposes of consumer reports Inever gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately I also understand that you are require d to notify me of your investigation results within 30 days and provide me with an updated copy of ALL DELETIONS on my credit report.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

I sent Discover a letter on XX/XX/XXXX in accordance with 15 US code 1681b Permissible purpose of consumer reports -- Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instruction of the consumer.

The rights that Discover has been violating are as follows : 15 USC 1666b- Timing of Payments [ TILA 163 ] No Creditor may treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I've already communicated this to Discover.

Discover has been Violating my right to Privacy per the Privacy Act of 1974. The privacy act protects consumers rights to privacy as it relates to Financial transactions.

Discover has been reporting Transactions history in which the FCRA states in 15 US Code1681a ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, ( 2 ) Exclusions consumer report does not include ( A ) any ( i ) report containing information solely as to consumer transactions.
Consumer complaint received 2024-06-19
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I moved out of the apartment in XX/XX/year>. The Apartments said I had a balance of {$2700.00} and I dispute the amount and ask for verification of the {$2700.00} they have no evidence that I owe that amount for damages. The Apartments sold to a new management company and the new owners have no records of the balance of {$2700.00} so it has taken months to reach someone. I finally reached someone and I submitted evidence that I owe {$1300.00} and they corrected my balance but the debt collector refused to remove off my credit report when the Apartment complex made a mistake by sending the balance to a collection agency.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NV)

In XX/XX/year>, there was an unforeseen occurrence regarding a missed payment with XXXX XXXX XXXX. Despite maintaining a flawless payment history up until that point, an inadvertent oversight led to the failure to meet the payment obligation. This deviation from the established pattern occurred due to a mistaken assumption that an auto-draft arrangement was in place to ensure timely payments. 

This isolated incident has had a regrettable consequence on my credit score, impeding my ability to proceed with a significant financial undertaking, namely the purchase of a home. Understanding the gravity of this situation, I am actively seeking assistance in rectifying this matter and restoring my credit integrity. 

I kindly request guidance and support in navigating the process of removing this adverse mark from my credit report. Any assistance provided in this matter would be sincerely appreciated, as it would significantly alleviate the repercussions of this unfortunate occurrence and enable me to proceed with my financial goals with confidence.
Consumer complaint received 2023-05-04
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. (MI)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. 
I have previously disputed this item with you XXXX XXXX Bankruptcy and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (FL)

I opened a Square account for my new business, invoiced a client for {$5000.00}, then immediately after the payment cleared via ACH, was told my account had been deactivated and they do not need to provide a reason. I was unable to access my money and now have been told the funds are being held for 180 days, again with XXXX explanation as to why. My business is registered and completely legitimate. The customer did not file a dispute or anything even remotely close to that. It was a normal sale. After trying to reconcile this with their customer support, no progress has been made. I attempted to refund the money to my customer, after Square told me I could do so, and it would not process. Square then changed their response and told me I could not issue the refund and I can not have access to my money for 180 days. This situation is bankrupting my new small business before it's even had a chance to start. I am a XXXX XXXX and am in complete shock that this practice is allowed in our country. This is literal theft and Square is banking on the interest from my {$5000.00} for the rest of the year.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-01-02
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. (TX)

wrote letter to company and credit bureaus to remove an account. 
Account is still furnishing negative marks and is in violation of Per FCRA as a Federally protected consumer. 
***PER 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX*Privacy Act of 1974
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to follow up regarding their persistent failure to remove fraudulent items from my credit report. Despite my repeated attempts to resolve these issues, totaling 19 separate requests, the credit bureau/institution has not taken the necessary actions to remove the fraudulent entries. I have provided extensive documentation to support my claims, including an FTC Identity Theft Report, police reports, and correspondence from creditors confirming that these entries are fraudulent. Despite providing evidence that these accounts were fraudulently opened, they remain incorrectly reported on my credit report. I trust that that you will take swift and decisive action to resolve this matter. I have enclosed copies of all correspondence and documentation related to my disputes for your review. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PINNACLE FINANCIAL PARTNERS, INC. (MT)

As a result of a bank merger, my account XXXXXXXX XXXX XXXX based in XXXX, TN, was merged with Pinnacle Financial Partners, also based in XXXX, TN. As a result of a temporary change in my banking needs, I had stopped actively using my account after XXXX, but kept the account open as I intended to start using the account again in the future. In XX/XX/XXXX I was asked to send a copy of my ID to the bank, presumably related to the expiration of any ID I may have previously provided. I complied. I was informed at this point that my account was pending closure due to XXXX balance and extended inactivity and that I would need to deposit funds to the account to keep it open. I did so, and was told that it would then remain open. However, at this point the account started being charged service fees, which brought the account balance to XXXX over time. This was not supposed to happen because my account was supposed to be grandfathered due to XXXX XXXXXXXX XXXX  merger, with no requirements to waive the monthly service fee. Unbeknownst to me, the account was closed in XX/XX/XXXX when the account balance went to XXXX. When I wanted to start actively using the account again, I logged into my online banking I went to the XXXX XXXX XXXX branch on XX/XX/XXXX this year to make a deposit, whereupon I was informed of what happened. I had received no notice, electronic or by paper, and in fact continued to ( and continue to ) receive regular " Monthly Highlights '' e-mail communications from them, and based on my understanding of the account terms, believed I still had funds in my account, requiring them to provide written notice 10 days before a closure would happen. I was also told at the branch that there was no XXXXurther avenue of escalation to appeal or reconsider the decision within the bank.