davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (DC)

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( XXXX ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( XXXX ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Consumer complaint received 2024-02-13
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I disputed a charge of {$1700.00} processed on XX/XX/year>. The treatment was not effective. The company is in violation of New York State law, which requires all aestheticians to certify directly with the manufacturers of the machinery being used on clients regardless of aesthetician licensing. During the dispute process, Capital One accepted only an aesthetician license as evidence from the company I paid and allowed them to keep {$1700.00} of my money without the documents needed to justify the purchase. I submitted evidence to the dispute department at Capital One, regarding the New York State law being violated by XXXX XXXX XXXX Capital One knowingly, allowed an unlawful and illegal business, to steal my money, and proceeded to deny my dispute.
Consumer complaint received 2024-02-09
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. (OK)

Equifax shared my information with mortgage lenders and other people without my consent, no I am being harassed and bombarded with calls, text, and emails from these people. I can't even receive a personal call on my phone because it is ringing back to back from unsolicited and un asked for calls and text.. They shared my name, phone number, social security number, birth date, and other personal information without my consent.
Consumer complaint received 2023-08-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bay Area Receivables, Inc (PA)

I discovered on my free annual credit bureau report a collection account # XXXX for {$560.00} by Bay Area Receivables. I dispute this entry item as Bay Area Receivables has not followed proper procedures under the Consumer Financial Protection Bureau 's Debt Collection Rule as to notification of alleged debt. Bay Area Receivables never requested payment from me. Before reporting an alleged debt to a credit reporting company a debt collector needs to contact the party either : in person, by telephone, mail, or electronic delivery. I maintain no communication was received from Bay Area Receivables before they reported to credit reporting companies. No validation notice was given. Bay Area Receivables has not provided the how they contacted me, when they contacted me, and where they contacted me to satisfy this requirement. I have been at the same physical address now for over 30 years, with the same phone number that length of time too. And the same email address for almost two decades now.
Consumer complaint received 2018-11-16
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPL Recovery Solutions (CA)

Jplrecovery has contacted my job 3 times stating they are attempting to collect a debt I then asked them what it was regarding and XXXX states he did not need to speak with me so then I told him to stop calling my work and to call my cell phone # the first time, second attempt they called asking who the manager was and I hung up on them third attempt they asked to speak with me again and they were hung up on.. The 4th call was made to my employers home phone number which they spoke with my employers wife and asked personal questions and disclosing that they are attempting to collect a debt and asking the status of my employment, when I was hired, my pay rate which my employers wife did not have that info and asked them not to call their home. Jpl recovery then asked when they can call back to obtain the information they were asking for. Employers wife states numerous times she did not have that info and to stop calling. She did obtain a call back phone number and a name of person calling ( XXXX ). I would like to file a complaint of harrasment against JPL recovery
Consumer complaint received 2024-03-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITY NATIONAL BANK (CA)

Some time ago, I received a letter from City National Bank indicating that they had {$2600.00} of my money that I should request be sent to me. I made the request that the funds be sent to me and received nothing. The CA State Controller recently sent a letter indicating that if I did not respond by XX/XX/24 the funds would be sent to the State of CA. I sent an additional email and letter to City National bank and I would like my funds sent to me immediately.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

My checking account at wells Fargo bank account # XXXX. There was an unauthorized withdrawal on XX/XX/2022 and the amount in total was {$7500.00} at a branch. I did not make this withdrawal, and once I was aware of this, I immediately contacted Wells Fargo by going to a branch, and via phone. Im very aware of my accounts and I balance my check book religiously, and I do not prefer or like to take out large withdrawals. As investigations on the Wells Fargo end proceed, they should see that NO ONE else was on my accounts nor has permission to make a withdrawal from my account. I reported this fraudulent transaction theft to the bank and I was expecting this to be resolved immediately without any delay. However, the bank did not investigate properly, nor call authorities & did not return my {$7500.00}. I had placed my trust in Wells Fargo to properly handle this but they failed back in 2022 when it occurred and I thought that was all I was able to do. Now learning that I needed to contact the cfpb to oversee this, I will not let this go until a proper investigation is done, I have a full explanation for how this happened, and I get the {$7500.00} dollars that was stolen from me back.
Consumer complaint received 2024-01-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (NC)

Midland credit management put an alleged debt XXXX XXXX XXXX on all three credits reporting agencies it's a violation of my consumer privacy and I didn't authorize this company to have or share my highly sensitive information and I would like them removed immediately
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

XX/XX/23 I was fraudulently charged {$9.00} for international transaction fee three times and {$300.00} sent through XXXX XXXX. I had received a text from what looked like USPS about package delivery fee. I had another package delayed that made it seem legit. I tried a few times to use the card to pay, but it never seemed to go through. I have no confirmation that it was ever successful. After third try, I went to USPS site to verify the page. It was similar, but not exact. That is when I became aware of possible fraud. Still, without confirmation of any kind, I went on thinking I was spared. Then I found the transactions on my Wells Fargo account. I reported immediately to Wells Fargo and have now received a denial stating these were authorized payments. How do I get my money back. There is no way to contact XXXX  since I do not have an account since Ive never intentionally used that service. Help?
Consumer complaint received 2018-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (ID)

I was called by a customer service representative on XX/XX/2018 regarding one of my credit card accounts through Barclay Bank, and was told that someone had requested a new card be sent to me at an address that is different than my current mailing address. This representative had information at the time regarding current and pending transactions that are unusual on my account, and did not notify me of those charges, and neither did this person make any attempt to transfer me to the company ; 's fraud department and a representative there despite several actions of unauthorized activity. I called them back on XX/XX/2018 and also logged into my account online to find several discrepancies. This has happened in the past with this company despite me changing my username and password several times, and setting up additional security features through their login process. I also asked a representative at some time in the past if I could set-up a verbal password, because I thought that I had one set-up and a different customer service representative told me that that is not something that they do, but with my call yesterday, they prompted me to do so. I find these actions to be negligent of their legal duties in operating a financial business, as well as completely unethical in failing to notify me of fraudulent activity in a timely manner.
Consumer complaint received 2024-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

am writing to dispute the presence of certain charge offs on my credit report. I believe that these charge offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX  compliancy requirements. 
Under the FCRA, it is your responsibility to ensure that all information reported to credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  requiren to report the date of first delinquency and the date of charge off. 
Based on my own records, I believe that the information reported by your agency is incorrect and in violation of these guidelines. I have attached copies of my records to this letter for your review. 
Inormation in my credit ripestigate this matter and correct any inaccurate or incomplete Any tipal an o my co th repor prosite st or your vest the investigation resuls and Thank you for your prompt attention to this matter.
Consumer complaint received 2024-04-15
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. (NY)

I disagree with the account listed below which still appears on my credit report, even after your investigation.I would like this item immediately re-investigated.The inaccuracies are highly injurious to my credit score ACCOUNT NAME XXXX, XXXX. : ACCOUNT NUMBER XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am requesting the my balance on my XXXXDepartment of Education account be updated as closed/paid in full per the attached document submitted which is a IRS notification from the IRS and the company . 

I tried speaking to the companies but it appears that they said sometimes there system glitches and it doesn't get the information, which explains why i am trying to resolve it through the CFPB.
Consumer complaint received 2024-01-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (OK)

In XXXX, XXXX I submitted my Teacher Loan Forgiveness Application ( TLFA ) to the amount of {$17000.00}. It was denied. When I asked for the specific reason for the denial, they issued me a generic form with all the requirements needed to fill the application. A for I already have. 

I made some changes in what I felt was necessary and submitted it three times after further reviews, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and each time respectively, my application was denied while failing to give me specific reason ( s ) for the denials each time. These three latest submissions were made with the help of a specialist at the Department of Education, XXXX XXXX XXXX, whom I reached out to. 

My last application with the help of XXXX XXXX again, who checked my information and assured me everything was accurate, was submitted on XX/XX/XXXX and denied. I tried to call the company but they never picked up the phone despite calling on diverse dates and being on hold up to an hour each time.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My issue is with XXXX, Equifax, and XXXX with a student loan company, DeptOfEd/XXXX  XXXX which each company reports XXXX - 90 day lates as of XX/XX/2023. As this is untrue, I have been in deferment since I XXXX XXXXXXXX school. How can I have that many 90 day lates. I reject and am offended by Equifax, XXXX, and XXXX reporting this misinformation. This is keeping me from getting a mortgage and other credit. DeptOfEd/XXXX  has been compensated by receiving their vehicle back. In accordance with the Fair Credit Reporting Act this creditor, DeptOfEd/XXXX, and Equifax, XXXX, and XXXX have 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 account under an open end consumer credit plan as late for any purpose. I am tired of being denied credit and having my rights violated. As a consumer, I should be treated fairly, as should anyone any consumer any American.
Consumer complaint received 2021-10-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2023-11-30
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I contacted my sponsor about account sponsor told me to contact Bof and tell them back date claim from further dates which they stated should have done with first claim they then addressed the claim back darting from XX/XX/XXXX tell XX/XX/XXXX how ever I was told by multiple supervisor I would receive my provision credit with in ten days so I made living arrangements because Im homeless however they did follow guidelines claim is one whole claim but it has been separated to look like many it un ethical for this matter to even take place fdic says my money is insured up to XXXX so where are my grantees from this bank
Consumer complaint received 2024-02-09
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: EQUIFAX, INC. (SC)

XXXX credit reporting agency failed to do a proper investigation after I formed them of XXXX harassment from a lending agency XXXX XXXX located XXXX XXXX XXXX, XXXX, SC XXXX I reported to the CFPB of this company for what I see Consumer, financial protection bureau yall dont take complaints seriously when it comes to these XXXX organizations and their discriminatory practices I was discriminated against consumer, financial protection bureau continue on, allowing this XXXX XXXX to continue on operating business. As usual numerous complaints to XXXX. They failed to remove this. XXXX XXXX XXXXXXXX from my credit report. it doesnt matter to Consumer, financial protection, bureau or XXXX because XXXX XXXX I see that yall figure XXXX supposed to have bad credit while yall forcing me to do business with a company that show XXXX harassment towards me when applying for a loan. XXXX points have been removed from my credit score because this XXXX XXXX XXXX XXXX people at XXXX XXXX  along with XXXX, credit reporting agency, and the Consumer, financial bureau im feeling totally disrespected by all of you I want all of you to feel bad for. What cfpb along with that XXXX XXXX company, XXXX XXXX, XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXX its not a joke that XXXX harassment happened to me. I dont care if I got to make XXXX complaints. Every time they notify the credit bureau XXXX forcing me to deal with some XXXX people who care nothing about XXXX people XXXX along with XXXX XXXX. They started this they shouldnt have never told me to come down there and disrespected me Consumer, financial protection bureau you took no action. now the way to get back at me. XXXX XXXX  now using the credit bureau owe them nothing they dont have sense enough to apologize after that XXXX act they committed against me.
Consumer complaint received 2024-02-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: COMPUTER SCIENCES CORPORATION (WI)

We had a loan transferred from XXXX XXXX to XXXX XXXX XXXX and serviced through CSC Logic Inc. We paid off the loan years but the lien was never released. Now CSC Logic Inc. is out of business so there is no one to contact to get the lien released so we can get the title. We've also contacted XXXX and not getting anywhere with them.
Consumer complaint received 2024-02-09
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: Global Credit & Collection Corporation (TN)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The information ( balance owed, balance borrowed, and payment dates and amounts history ) is incorrect. This account was 83 % paid off, you are only reflecting 17 % paid off. I am requesting to have this account deleted from my credit report.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX