davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (IN)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end. I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; DELETE THESE THINGS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX AND ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, l will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely XXXX ; XXXX XXXX All Rights Reserved Without Prejudice
Consumer complaint received 2018-04-24
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 — Investigation took more than 30 days
Company: Caliber Home Loans, Inc. (CA)

I have made 17 consecutive on time payments of {$4500.00} to Caliber Home Mortgage ( Acct # XXXX ) on a 30-year fixed mortgage. However, in XXXX they increased the amount due to make up for an escrow payment for property taxes. I was not aware of the increase and my auto-bill pay sent the same amount. I was notified that I was late in XXXX, but knew I was current. However, I found out I the increase of {$54.00} was the difference in the increased amount that was late. Upon hearing the news I immediately paid the {$54.00} difference, in fact I paid {$190.00}, just to make sure no late fees or accruals would be attached. Then I saw they reported me as 30+ days late on my credit report. I asked them to remove it, but said due the Fair Credit Act, I must request removable by the CFPB and the Agencies. I sent a note to the agencies and to you as well.
Consumer complaint received 2024-06-03
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Lost or stolen refund — 
Company: Credit Karma (OH)

XXXX - XX/XX/XXXX XX/XX/XXXX - Dispute status changed XX/XX/XXXX - Account Locked, So no access. 
XX/XX/XXXX - Account Closed, Sent the remainder to my bank account XXXX - Tried appealing again, Stating that this was unauthorized activity on my account and that I reported my card Missing as soon as I found out how much was in my account, they then sent me this " Cardholder did not state that the Personal Identification Number PIN code was compromised and the transaction was secured with the PIN. '' If I tell them that This is an unauthorized transaction, and my card is missing/stolen, Im assuming My pin would be compromised as well, I never shared my Pin as per usual with any type of card, So Im stating again that It was compromised amd I never gave my pin to anyone at all. 

Case Number : # XXXX Total Amount Disputed - {$1400.00} ( If what the lady told me is correct ). 

Called customer service, Reported my card missing along with unauthorized transactions gave details, they transfered me over to the dispute team, gave them the same exact information, Didnt notice card missing till they sent me a notification aboout my account. They told me that they would give me a chargeback during the dispute to cover the losses, I never received that as well, would send in the statement for the month but cant access old account via it being closed. 

I cant view my statements because the account was closed, I emailed them and they really didnt help me that much, Told me to contact the merchant.
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

I don't recall having a contractual relationship with this collection company LVNV FUNDING LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 I call XXXX about fraud activity on my credit they remove the accounts and place a fraud alert on my credit report for XXXX XXXX XXXX XXXX XXXX XXXX credit they had delete this accounts from my credit report but I check my reports recently and the accounts are the I ask them this not me and that they had removed the accounts so why are they still reporting
Consumer complaint received 2024-05-25
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-05-20
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: FREEDOM FINANCIAL NETWORK (MD)

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 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (GA)

ONEMAIN was misreporting information on my consumer report. This is what they have done as per my consumer report Your ONEMAIN payment history has changed Your account payment history was updated. Here 's what changed : XX/XX/XXXXXXXX XXXX XXXX XXXX Days Late XX/XX/XXXX - XXXX Days Late XXXX XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XXXX XXXX - Charged Off Here is what your payment history showed before : XX/XX/XXXX - XXXX Days Late XX/XX/XXXX - XXXX Days Late XXXX XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XXXX XXXX - Unknown
Consumer complaint received 2024-05-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: FREEDOM FINANCIAL NETWORK (CA)

I have tried numerous attemps to communicate with said companies with providing my Negotiable Instruments. Some of these Companies simply keep my Instrument and tell me they can not accept it. According to UCC 3-603 and UCC 3-311 and Instrument Tendered is sufficient to satify any Obligation of the United States. These Companies stay in Violation of those Rules of the UCC with all Commerce is Governed by. Any Company or Institution that refuses these Instruments according to the UCC is Pursuant for DIscharge regardless they Honor the Instrument or not. Thats the Law and the Rule of the Land. Everything is credit We are in Bankruptcy so you cant expect real monies ( Gold and Silver ) is the only Lawful Money and all Obligations are for the United States and go to the United States Treasury.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/1923 I made {$900.00} payment to Amex. AT XXXX set on XX/XX/1923 I noticed that there was no funds in the checking account assigned to the payment and it didn't go through so I made sure money was there and tried another payment. At XXXX XXXX  Est I had an available of {$1300.00} but my card was declined at XXXX for around {$56.00}. I called AMEX and was told my entire account to include employee cards are on hold until the original {$900.00} payment is made so they are going to try 2 more times and after that wait 7 days if it is not there. I explained I paid it earlier on the XXXX. I was told it don't matter and I shouldn't have made the payment on the XXXX I called on XX/XX/XXXX and I was told this process is standard and they can not stop it. I explained I am losing business, invoices is not getting paid on my auto payments I have set up on this card. I asked them to provide me where this is written in my statement or terms and service they could not provide. I have lost money and business due to them freezing my account without any notice and terms.
Consumer complaint received 2024-05-19
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (FL)

I am concerned about the validity and accuracy of your recent investigation of my accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. 
Please answer the following questions : 1. What certified documents were reviewed to conclude your investigation?

2. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA : a. Who did you speak with?

b. What was the date?

c. How long was the conversation? 
d. What was their position? 
e. What number did you call? 
f. What is the name of your employee that spoke directly to the creditor? 
g. What is the position of your employee that spoke to the creditor? 

Enclosed with your response to the above questions, I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
Consumer complaint received 2023-11-10
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. (NJ)

I have account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX
Consumer complaint received 2024-04-26
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 believe FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XXXX XXXX my granddaughter XXXX XXXX XXXX and i applied for a loan to pay for her medical expenses. I received a loan for {$390.00}. I didn't know the loan provider was a fraud and I withdrew {$380.00} to help my grandbaby. Because I was taken advantage of ... USAA has docked my account twice for {$390.00}, froze my ssdi deposit and froze my federal income tax return which is scheduled to hit the account on XX/XX/year>. I am a XXXXXXXX XXXX XXXXXXXX veteran with no other income. My utilities are off and I have no food and no gas to go to my doctors appointments. I need my money. I need help. The fraudster deposited a forged check into my account and USAA confirmed it was fraud scam. Im about to lose everything I worked for because they are violating my federally protected money by freezing it and only allowing my account to be a " credit only '' account. Please help me. Please help my family. I need to go to the doctor desperately.
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/year> I applied for a loan because my XXXX had XXXX XXXX XXXX. I received a loan of {$390.00}. However the people who sent the loan was fraud. They deposited a check in my account with a forged signature. USAA took that as face value and decided to FREEZE my XXXX and my federal income tax which will post into the credit only account on XX/XX/year>. They have taken the {$390.00} out of my account from my XXXX check and kept the account frozen. They can see that its not my signature on the back of the mobile deposit .... ( as i have only made XXXX mobile deposit during the course of me having this account ). Also, I XXXX percent XXXX from the United States XXXX XXXX and I depend on USAA to pay my bills. They have violated my federally protected funds and Im on the verge of losing everything. My utilities have been XXXX XXXX and i have XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is not right. Please help me. Please help my family.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

Im a customer with Truist Bank off XXXX line in XXXX TX and I went to this location to deposit my accident settlement check into my account I have had for years. Along with my ex husband and son who both deposited checks from the same law firm. My son cashed his check the same day with no problem and my ex husband deposited his as well with no issues. I was then asked a lot of questions from XXXX XXXX took the checks and deposited them on XXXX. XXXX the bank blocked my debit card the whole weekend without being able to access any funds.XXXX I go into the branch they say my check is counterfeit and that it will be returned. However the check they are holding they deposited partially some of the funds and still my card is blocked. They have verified me by my ID SSN DOB ADDRESS but still treating me like I am a criminal and have disrespected me to the fullest. XXXX the rep from the call center refused to allow me to speak with another representative and said that she will hang up on me if I keep asking questions. The branch manager XXXX I spoke with her on XXXX at another location and she stated that she could not help me the fraud department was closed and that she could not give me the funds I had in my account before the check was deposited but however on XXXX she gave me a partial amount of the available funds {$110.00} and I asked for a receipt she said they do not provide receipts for withdrawals. So after she was able to scrape up my receipt I asked her why did she not assist me Saturday and her reply is XXXX XXXX let me know he dealt with you on XXXX so i can give you the funds you had available. My question was if Im a fraudulent person why are you able to give me money from the account you all have blocked and she did not answer. I talked to the fraud department and asked the same question to find out that the branch manager didnt have authorization to give me any funds. I spoke with a lady The issuing company was also on the line and sent me an email of my check clearing their bank. I was advised to file a complaint due to the unfair treatment of TRUIST BANK. I feel that not only was I discriminated against but as a customer they dropped the ball.
Consumer complaint received 2024-05-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I don't recall having a contractual relationship with this collection company National Credit Systems. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I don't recall having a contractual relationship with this collection company PORTFOLIO RECOVERY ASSOCIATES LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently reviewed a copy of my credit report in EXPERIAN. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

When I 1st got my card I was told that my credit would be evaluated for an increase. It does not guarantee that my credit would be increased but it would be reviewed for consideration. I have received letters date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with a denial. I previously found a complaint and in the complaint response that I received from capital one they mentioned the SCRA that is for military that had nothing to do with the complaint that I made about what they were doing. 
Capital one is illegally denying me a credit line increase because they are not reviewing my credit report. On the most recent one they say that I have a consumer alert which is preventing them from reviewing my credit report. However if somebody would call me to identify me the same way that they had to do when I applied for this credit card as well as when I applied for the credit card that i was approved for in XXXX. They had to verify my identity because of the fact that I've gone through identity theft. I called tonight and I spoke to XXXX who refused to help me. And then I spoke to XXXX who basically interrupted me and stated that capital one does not make any contact with anyone when they're viewing credit which is false. 
I am now just making a complaint because somebody needs to know what they're illegally doing. You can not tell me that I have a consumer alert is preventing you from accessing my credit but you're not reaching out to me to resolve it. Because if you can do it when I initially get credit then you can do it now. That's again in direct violation of Reg Z, you must tell the truth and they're lying. This is unfairness and it feels like racism.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (NY)

Consumer report shows I was late on payment this account was paid off XXXX XXXX that I have never been late for months XX/XX/2024 and XX/XX/2024 I have attached screenshot of the paid check