davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
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. (LA)

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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC (NY)

I have responded to this companys debt collection and ask d them to validate band provide any evidence of indebtedness to which they have a signed contract with me. They have failed to respond and/or furnish any evidence. They have violated my consumer rights and civil rights by making false and negligent claims against my public consumer report. Therefore, I am seeking compensation from Radius Global Solutions. The fact they are third party debt collectors I have not granted or given away any of me permission for public disclosure of my financial information. I dont owe any debt nor am I responsible for payment of any alleged debt owed. 

I want them to remove all reporting in regards to this account XXXX XXXX.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX is colluding with the CEOs of certain CRAs, and has refused to provide all three CRAs with accurate and correct credit information, using the word, paid in full, yet is refusing to report {$0.00} balance to XXXX, Equifax, and XXXX in the proper numerical format that each CRA requires to ensure that my loan payment will not positively increase my credit score. 

I have attached an image that none of my credit scores have changed after the {$130.00} payment in XXXX of XXXX, as of today, XX/XX/XXXX, because XXXX continues to state that customer can not be located, and committed postal fraud, by claiming that mail sent to me was sent back ; although, I am in possession of all communication from XXXX sent via the US Postal Service. in addition to the fact that I am signed up for electronic communication. I will be contacting the US Postal Inspector. 

XXXX also committed fraud by falsely reporting to the CRAs that they can not locate me, they have also refused to report loan balance went from {$130000.00} to {$0.00} balance, paid never late, and can locate consumer. They are reporting loan paid in full, instead of As a result, my score did not increase although, {$130.00} worth of debt has been paid, and resulted in XXXX balance. The manipulation of this information has resulted in my credit score remaining the same with all three credit bureaus, and is affecting my ability to purchase a home.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

On XX/XX/XXXX, I opened an online savings account with Citizens Access Bank. Approximately XXXX hours later, the account was closed without my knowledge or consent. I have contacted the bank on numerous occasions ; to be provided with an explanation as to why my account was closed. Each time, I have been told I will never be given any form of explanation whatsoever. I am unable to log in to my account. I am unable to open a new account. I feel as though I am being actively discriminated against without cause. Therefore, since I am not allowed to open a new account and I have never been given a satisfactory explanation as to why my account was closed shortly after it was created ; I have opted to submit a formal complaint with the Consumer Financial Protection Bureau. I am willing to provide the CFPB the opportunity to act as an intermediary on my behalf ; to properly resolve this matter. However, to be clear, if this last ditch effort fails to properly rectify the situation to my satisfaction ; I will be forced to take matters into my own hands. I look forward to my government actively enforcing the Civil Rights Act of 1964 upon Citizens Access Bank and putting an end to their discriminatory actions towards me.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these company want me to wait 2 years for it to be remove and by this i won't be able to rent a good apartment area for my dad. he needs to move out from a bad neighborhood and i want to help him.
Consumer complaint received 2023-12-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc. (GA)

Notice to The consumer Financial protection Bureau. Notice ( Carmax ) a debt collector has furnished fraudulent Information to an Non-Affiliated Third Party Without any Consent to do So. They Furnished Information to ( XXXX, XXXX and XXXX ) the experience is unfair and doesn't benefit my household! ( Carmax ) Never Gave the Proper disclosures that are necessary to furnish Nonpublic information with Third parties. They never did any of that Im ordering them to Cease and desist any and all communication this is an refusal to. ( Carmax ) Never gave me the chance to opt out. As required by Federal Law. Deletion of the tradeline from my consumer File is needed immediately
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Requested opt out... 
XX/XX/2023 XXXX XXXX XXXX Subject : Opting-Out of Authorizations as a Federally Protected Consumer Dear CAPITAL ONE, I am writing to inform you, as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), that I am opting out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in Section 15 U.S.C. 1681b of the FCRA and 16 CFR 313.7 ( g ) ( 1 ).

As I exercise my rights under the FCRA, I kindly request that you immediately cease any activity or use of my personal information that was previously authorized. This opt-out applies to all current and future authorizations.

Please ensure that my personal information is removed from any databases, mailing lists, or any other sources used for commercial purposes. Kindly confirm in writing that you have implemented my request within thirty ( 30 ) days of receiving this letter.. 
In compliance with federal regulations, I would like to continue receiving periodic statements and any llegally mandated communications regarding my account. However, any other uses or sharing of my information should cease immediately. 
I appreciate your understanding and cooperation in this matter. Failure to comply with my request may result in the violation of federal law, and I may be inclined to pursue legal action to protect my rights as a consumer. 
Should you have any questions or require any additional information concerning this matter, please do not hesitate to contact me In writing only, at above address. Thank you for your prompt attention to this request. 
Yours sincerely,
Consumer complaint received 2024-04-16
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. (GA)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MI)

My credit card number was stollen around end of XXXX of XX/XX/2023. We notified Citi immediately and received a new card, however the fraudulent charges were never reversed for us. I have called Customer Service a couple of times and all these months later no action has been taken. It was only about {$70.00} but it is the principal with this institution. The charges could have been more substancial and at this point I feel totally unprotected with this bank. It was also very simple- all charges were made through XXXX out of XXXX, while our family was here in the US- the investigation should have taken no time at all and our accout made whole immediately.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Betterment LLC (TX)

I rolled over my IRA from Betterment account number XXXX, and I sent it to XXXX. Betterment charged me {$75.00} to do that, and they did not disclose this brand new policy of charging as of XXXX nor did they tell me about the charge when I initiated the rollover.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/year>, and I have not yet received a response. ''
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, JP Morgan Chase issued me a check in the amount of {$9700.00}, representing the funds from an account they closed on my behalf. Unfortunately, Chase did not inform me of the account closure or the issuance of the check during the entire process. The check was dispatched on XX/XX/2023, and it arrived on XX/XX/2023. However, the delivery by XXXX went awry as the check was sent to an incorrect address. 

Regrettably, someone intercepted the check and successfully cashed it on XX/XX/2023, at XXXX Bank, under the name XXXX XXXX XXXX. This individual forged the check by adding " and XXXX XXXX XXXX '' after my name in the " pay to the order of '' section, and subsequently signed it for cashing ( A copy of the fake check as in item XXXX ) On XX/XX/2023, I called Chase to ask them where my check is and they told me someone has cashed it by faking the check. 

On XX/XX/2023, I went to the chase branch at XXXX, NY and spoke to XXXX XXXX. He informed me of the procedure for correcting such mistakes. I have also sent the declaration of unauthorized endorsement or altered item form ( A copy as in item XXXX ) and unauthorized signature or forged item declaration ( A copy as in item XXXX ) .I also have reported this incident to both XXXX ( tracking number XXXX ) and the local police ( report number XXXX ), and they are currently conducting investigations into the matter. 

On XX/XX/XXXX, I contacted XXXX and the customer service told me they can be responsible for the loss and they were waiting for Chase to conduct the verification on their end. However, Chase hadn't done that to this date ( XX/XX/2023 ). 

From XX/XX/XXXX to XX/XX/2023, I kept contacting the chase claim team ( phone number XXXX ), they kept telling me that they hadn't received my documents, even if it's been a week from the day I filed it. They also kept giving me different responses regarding my situation, some said they received the verification request from XXXX, some said not.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I believe wells Fargo owed me back money on overdraft fees and insufficient funds fees I was charged from the bank when I actually did have the money in my account to cover the charges wells Fargo said the covered the charges because I didn't have the money in my account. And that was a lie
Consumer complaint received 2023-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

The most recent call to resolve one of the issues was on XX/XX/XXXX five times and trying to get a 30 day payoff. I keep being told they can only give a XXXX day pay off stating that I'm still in bankruptcy and that is untrue, successfully completed my BK and case was closed and dismissed on XX/XX/XXXX. I advised several people in BK department that my BK has been completed and they claim on there end not complete and they're still reconciling and BK will be completed/closed on their side XX/XX/XXXX and maybe sooner. How is that? when the case has been closed/dismissed per my attorney and BK Trustee/Judge and I documentation that verifies/confirm this information. The second issue is SPS is trying to charge me an inspection fee and attorney fees, said they can't send me an itemized statement this because I'm still in BK and I would need to get this information from my attorney. Why? I see inspection fee from XX/XX/XXXX for {$60.00} on my XXXX statement and I guess the difference is for THEIR attorney fees Why? When I asked for the name of the attorney, the name that I was given is their attorney. SPS is not posting my payment in a timely manner they claim they hold it or it's still processing said I will get credit for the date that they received the payment, I asked why and they keep saying the same ting that I'm still in BK and I am NOT! this is RIDICULOUS!!!!
Consumer complaint received 2023-12-20
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)

I did not authorized nor consent any of the following accounts and inquiries being on my credit report. I am aware of my consumer laws as you are able to see based on the documents attached. I demand that all accounts are negatively affecting my credit rating and violating my rights be removed or block from my credit report.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE (TX)

On XX/XX/2023, I applied to open a business checking account with Huntington Bank online. I uploaded my documents but they said they did not have all the documents necessary to open an account. I uploaded all the documents given to me by the Secretary of State for my state in XXXX. I have also opened up a previous bank account with the same documents. I called and they couldn't tell me what I was missing and the email sent didn't ask for any further documentation on what I was missing either. I have tried corresponding with XXXX XXXX, the person assigned to open my business checking account, for almost XXXX weeks now with no response. I have called repeatedly to the business line with no help and even called my local branch to have them try and get in contact with XXXX XXXX and someone else in the business department. Today, XX/XX/2023, I requested to have my information transferred to someone else since XXXX XXXX is not responsive and the representative on the phone said that's not possible. So if someone is out sick, dies, or quits, my information would just sit there forever with no action being taken. The feds need to look at Huntington Bank 's business processes because they are harmful and make no sense.
Consumer complaint received 2021-11-03
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: BARCLAYS BANK DELAWARE (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft BARCLAYSBK Account Number : XXXX This is not mine.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

After examining my latest credit report, I've identified inconsistencies that demand urgent action, especially concerning the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The company has acknowledged the errors and has committed to updating the status to never late. Other credit bureaus have already rectified the status of the accounts after the companies acknowledged the inaccuracies.
Consumer complaint received 2023-12-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Global Lending Services LLC (FL)

matter of utmost urgency and concern regarding the recent repossession of my vehicle, XXXX XXXX, which took place on XX/XX/XXXX at XXXX XXXX XXXX As per our previous correspondence and in adherence to the legal process, I had informed Global Lending Services to cease and desist all repossession attempts on the mentioned vehicle. This notification was in line with the XXXX proceedings that I am currently undergoing, and it was intended to ensure compliance with the legal framework governing such matters. 

Despite the explicit communication to cease all actions related to the vehicle, it has come to my attention that an unauthorized repossession occurred. This incident is a direct violation of the XXXX process and my rights as a debtor. 

I must emphasize that my ongoing XXXX proceedings require strict adherence to legal protocols, and any actions taken without due consideration of this process are not only unlawful but also jeopardize the integrity of the XXXX  proceedings. 

I am requesting an immediate investigation into this matter to ascertain how such a breach of protocol occurred. Additionally, I expect the prompt return of my vehicle to its rightful owner, as its repossession was not only unauthorized but also in clear violation of the bankruptcy laws and regulations.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-12-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc. (TX)

The balance is incorrect I have paid the original creditor, I have also went to Central Portfolio XXXX 's website and it states the account is paid in full. On my credit profile it is still showing there's a balance for this account and it's invailid.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$5100.00} XXXX XX/XX/2023 XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023