davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
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. (FL)

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. 

XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Amount : {$780.00} XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Amount : {$1000.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Amount : {$4400.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Amount : {$910.00} 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 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAVALRY INVESTMENTS, LLC (NJ)

The information is incorrect..in addition I received information on the wrong person. I filed a fraud report with the local police department and this org still managed to go into my bank account and put a judgement there which caused all my monies to be tied up and a financial hardship for me. I had to borrow to pay my rent and pay most of my utilities and additional monthly bills. Also, this account was closed and charged off and XXXX found this to be strange I have requested signature and ID information from this organization and I have yet to receive the correct information. All I received was printed info regarding another XXXX XXXX. I went to court and they never showed up yet a judgement was granted via XXXX. This is stressing me out ; I tried fighting this without counsel but I see I will have to find counsel to deal with the organization which I can not afford. They have various addresses and when I went to their office it was to no avail the XXXX time. The XXXX time I was able to locate them with the courts help to serve this with an Obligation file to get my monies back.. This is tiring and I simply do not have monies to pay for a debt that is not mine.
Consumer complaint received 2023-02-13
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: EQUIFAX, INC. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent account ( XXXX XXXX XXXXn XXXX ) Fraudulent inquiry XXXX XXXX XXXX date of inquiry ( XXXX XXXX, 2021 )
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Lendmark Financial Services (VA)

There is a loan on my credit report from Lendmark Financial that I did not open or apply for. There is an inquiry date of XX/XX/2023 and loan opened on XX/XX/2023 for the amount of {$7500.00}. I do not have an account with this company nor did I apply for a personal loan.
Consumer complaint received 2024-01-22
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (PA)

I filed a previous complaint ( XXXX ) against American Express about a gift card I was unable to use because of repeat rejected charges. They issued a letter through CFPB saying they had canceled the card and were issuing a refund of the full amount ( {$170.00} ) but the check I received was only for {$50.00}. I have contacted American Express multiple times about this, each time being told they were escalating it and I would hear back within a week. I have heard nothing from them, so I am filing another complaint with CFPB to hopefully get a resolution and get my full refund. I have not cashed the {$50.00} check.
Consumer complaint received 2023-09-04
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. (MO)

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

15 U S C 1681 section 604A : 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 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! 
Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELYI
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TN)

Care credit was paid off XX/XX/2023. They are reporting me 30 days late for XXXX ( not late and paid off ) and XXXX with XXXX XXXX ( XXXX ) and XXXX ( XXXX ) I can not be late in XXXX as I paid it off before Due date and in XXXX there was a XXXX balance. XXXX statement came out on XX/XX/XXXX and was paid off XX/XX/XXXX, so can not be late for XXXX. I would like this rectified immediately with the credit bureau's.I keep trying to have them fix it but they just say they are correct ( which clearly they are not ) and refuse to correct their erroneous information ( which they are legally liable to do ) which is affecting my ability to get credit.
Consumer complaint received 2023-07-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (CA)

I am not liable for this debt with Wakefield & Associates. I do not have a contract with WakeField & Associates. They did not provide me with original contract as requested, certified mail which they never respond with verification and validation letters. Did not provide date of the original contract.
Consumer complaint received 2024-01-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (TX)

CITIBANK is holding my XXXX XXXXXXXX and haven't returned my wire that they voided. 

CITIBANK cancelled a wire that I made last XX/XX/XXXX. I opened a wire recall case with XXXX and CITIBANK respond with this " ATTENTION INVESTIGATIONS DEPARTMENT,. IN RESPONSE TO YOUR REQUEST REGARDING ORIGINAL PAYMENT DETAILS. THE RETURN IS BELONGS TO BELOW ORIGINAL PAYMENT. SENDER REFERENCE XXXX TRANSACTION REFERENCE XXXX AMOUNT XXXX VALUE DATE XXXX IN REFERENCE XXXX RELATED REFERENCE XXXX OF XX/XX/XXXX. PLEASE NOTE THAT DUE TO YOUR LACK OF RESPONSE TO OUR PREVIOUS XXXX MESSAGES THE ABOVE REFERENCED PAYMENT HAS BEEN CANCELLED AND THE PAYMENT WILL BE CONSIDERED AS NULL AND VOID AND FUNDS WERE RETURNED TO YOURSELF UNDER OUR REFERENCE XXXX FOR AMOUNT XXXX WITH VALUE DATE XXXX PLEASE QUOTE OUR REFERENCE XXXX ON ALL FUTURE CORRESPONDENCE REGARDING THIS MATTER. REGARDS, CITIBANK GLOBAL INVESTIGATIONS OUR XXXX '' They keep sending the same message to XXXX and XXXX is not able to refund the money back to my account. Its been over a month and CITIBANK employees are not reading the messages properly and kept insisting the wire was null and void. XXXX should have been back to my account last year and this is all very stressful to deal with this bank. I also wasted at least 6 hours calling and following up with XXXX and most of their employees are giving me different answers. Its either XXXX is not doing their job properly with CITI bank, or CITI employees are not doing their job. It should have been an easy fix since the wire was void in the first place.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

To Whom This May Concern, accounts below need to be updated immediately for late payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT TYPE : Auto Loan In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.
Consumer complaint received 2023-03-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

XXXX, EQUIFAX XXXX XXXX ARE ALL REPORTING INFORMATION THAT I DID NOT CONSENT TO PURSUANT TO 15 USC 1681 ( A ) ( 3 ). I WAS NEVER CONTACTED OR GIVEN THE RIGHT TO VERIFY OR CONFIRM THE ITEMS THAT ARE BEING REPORTED IS IN FACT ACCURATE. MY RIGHTS HAVE BEEN VIOLATED PURSUANT TO15 USC 1681 ( A ) ( 4 ) .THE FOLLOWING ACCOUNTS HAVE VIOLATED MY CONSUMER RIGHTS : XXXX XXXXXXXX XXXX # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. DEPT OF ED/XXXX ACCT # XXXX. ALL INQUIRIES WERE NOT AUTHORIZED BY ME AND WOULD LIKE FOR THEM TO REMOVED AND BLOCK.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (IL)

XXXX XXXX had run my credit and approve! my application and turn around and denied me for the program and left me with a hard inquiry on my credit report two time. dates are XX/XX/XXXX and XX/XX/XXXX. I am requesting for them hard inquiry to be remove form my credit report they are on all the credit reporting, XXXX, XXXX and XXXX.
Consumer complaint received 2023-11-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (PA)

I have told this company to cease communicating with me and they are communicating with me indirectly. In the fair debt collection practices act section 803 it states that communication is defined as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and an indirect communication by this company is reporting to my consumer report.
Consumer complaint received 2024-01-22
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (FL)

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Dear Consumer Financial Protection Bureau, I hope this correspondence finds you well. I am writing to file a formal complaint and seek assistance regarding a prolonged and unresolved issue involving billing errors on my Apple Card account with Goldman Sachs. 

Over the past XXXX years, I have encountered significant discrepancies in my billing statements and Apple Card reports, prompting diligent attempts to address and resolve these issues. While partial refunds have been provided, the core problems persist, causing considerable financial losses, emotional distress, and inconvenience. As a remedy, I am formally requesting a comprehensive settlement of {$150000.00}. 

The key issues I have faced are as follows : Excessive Charges : I have experienced a series of excessive charges over the past XXXX years, significantly impacting my financial well-being. 
False Information : My bank statements and Apple Card reports consistently contain false information, complicating the resolution of this matter and hindering my ability to regain control over my financial life. 
Account Closure : My accounts with Goldman Sachs were abruptly closed, leading to severe disruptions in my financial stability and leaving me in a state of confusion and uncertainty. 
Damage to Credit Score : The adverse impact on my credit score has been distressing, affecting my ability to access essential financial services and opportunities. 
Ongoing Fees : Despite the bank 's acknowledgment of billing errors, fees continue to be levied on my account since XX/XX/XXXX, contradicting their own acknowledgment. 
While Goldman Sachs recently acknowledged billing errors and initiated refunds for disputed charges, there has been a consistent reluctance to fully rectify the situation. The bank disputes the existence of errors, causing me to question my own account of events and leading to feelings of dismissal and doubt.
Consumer complaint received 2023-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P. (GA)

I had a credit card with XXXX XXXX XXXX XXXXXXXX XXXX and I had got behind and paid the charge-off through LTD financial services because XXXX XXXX XXXX XXXX XXXX had sold the credit Credit item to LTD and I paid the item with LTD over the telephone back in XXXX  LTD agreed to have the account removed off of my credit report
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (MI)

I filed a chargeback on XX/XX/XXXX for an online transfer I know I never did. So Chase got back to me and said that they will re take the payment of {$1200.00}. They issued me a temp credit of that amount I was thinking they where refunding me for the money but they didnt and so they dipped me in the red by {$1200.00} on XX/XX/XXXX. I have my XXXX payment coming in XXXX I will not have hardly anything to pay for rent or food, gas lights etc for XXXX. I am a XXXX individual and need that money. Not for Chase to take it back.
Consumer complaint received 2023-07-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (AL)

I tried calling the companys but no answer. also emailed them as well. no reply. eventually I tried to dispute them with all credit breau 's but I dont know if they even Came off.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

Information for was accessed, sold and bought illegally as I was a victim of the EQUIFAX data breach. I expect these negative items to b e deleted from my credit reports effective immediately. I have attached evidence of EQUIFAX 's admission that I, XXXXXXXX XXXXXXXX XXXX XXXX, was indeed victimized by this data breach and EQUIFAX has done nothing to correct the matter. Furthermore, I would greatly appreciate assistance in the removal of these illegitimate accounts from my credit report As a result, I, XXXX XXXX XXXX XXXX UCC 1-308, have personally invested numerous hours researching and studying contract law and consumer law. In particular, TILA ( Truth in Lending Act ) the FCRA ( Fair Credit Reporting Act ), the CFPA ( Consumer Financial Protection Act ), and the FDCPA ( Fair Debt Collection Practices Act ) in order to gain a greater understanding of how to properly maintain and exercise my right to redress with regard to this breach. I have spent time typing, editing and creating dispute letters. I have spent time and money, in transit ( XXXX and public transportation ), travelling to the library, post office and IRS offices. Time and money was expended on certified and registered mail, including insurance offered through USPS. Time and money was spent at the notary. Numerous hours spent research articles and watching informative videos. I will provide additional supporting documentation as necessary.
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (VA)

XXXX XXXX XXXX reported a failure to pay on my auto loan in XXXX of 2016 even though I have made payments continuously made payments throughout my bankruptcy case and up to the present. They have also reported my account as closed when it is still open and I am still paying the note every month. I do understand that reporting is stopped once the account is taken into bankruptcy, however Suntrust is still receiving regular payments from me so I should get something for that.
Consumer complaint received 2024-01-22
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. (MO)

For the XXXX time this morning experian starts yet again with another lie by saying there STILL WORKING ON THE ISSUE because everyone knows they don't do anything this is a stall tactic FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT COMPANY
Consumer complaint received 2024-01-22
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: Carvana Group, LLC (TX)

I have an account with XXXX and from an XXXX email alert, I was informed that my credit score had droped. I logged into my XXXX account and noted the following : CARVANA LLC got a copy of your XXXX  Credit Report. Dated : XXXX, XXXXXXXX XXXX CARVANA LLC made an Auto Inquiry by checking your XXXX XXXX XXXX. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : XXXX XXXX : CARVANA LLC Address : XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone : ( XXXX ) XXXX I have never requested a CARVANA Auto Loan, and I have not inquired to purchase an automobile in many years. I did not authorize anyone to use my name, credit of any kind to secure or inquire about an Auto Loan and/or another loan of any kind. 

After reviewing the Notification info shown above in my XXXX account, I called XXXX Fraudulent Dept. and reported CARVANA LLC 's Hard Credit Inquiry as a Fraudulent Request/Activity on my Credit Report.
Consumer complaint received 2024-01-22
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Federal Adjustment Bureau, Inc. (MI)

The company Federal Adjustment Bureau ( FABCO ) of Columbus, OH is harassing my family and myself. I believe they are using the word " Federal '' in their name to deceive customers into thinking they are a part of the federal government. Initially they sent a letter to my parents home regarding a debt I did not owe. The letter was sent shortly before I XXXX to the XXXX XXXX with the XXXX XXXX XXXX and I nearly did not see it. The letter stated if I did not respond within a short period of time they would assume the debt is correct. They were harassing me on behalf of the company XXXX XXXX XXXX XXXX. I contacted FABCO, and I notified them this was a totally illegitimate debt designed to harass me, and that I was deploying in less than 30 days and FABCO assured me they would stop. However, they continued to contact my family. 

An individual with the phone number XXXX called my sibling in XX/XX/year> and made statements that he was trying to reach me. This number belongs to FABCO, the company that previously promised they would cease harassing me regarding the illegitimate debt. Call logs prove FABCO did not call me directly prior to contacting my sibling. They were not trying to reach me directly, ever. They were contacting my family on behalf of XXXX XXXX XXXX XXXX  as as a way to harass me. I contacted FABCO and was told again it was an accident. I am unclear how FABCO " accidentally '' obtained my sisters phone number and began texting her in regards to me. I would also like to know why FABco contacted my sister rather than me. They obviously had received my phone number from XXXX XXXX XXXX XXXX but instead chose to use some outside information to find my sisters information. I would like FABCO to voluntarily pay me damages for their reckless harassment. Even if it was truly an accident, they are still liable for their actions. 

I have attached the letter from FABco where they promised to stop. However, they continued to harass my family after this letter was sent.