davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I went to check my credit report on XX/XX/2017 and I notice that they were showing my chapter XXXX bankruptcy. The information that is on my credit report was pulled from a third-party reporting agency. The clerk of court of XXXX County told me that they do not report public information to the credit agency. Therefore this information needs to be deleted from all of the credit reporting agencies.
Consumer complaint received 2023-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt within 30 days of receiving your initial communication. Ive requested verification of debt, proof of ownership, and accuracy of reporting in that order.Its been more than 60 calendar days with no response and i'm not waiting any longer. I need the account listed to be removed immediately under the FCRA. I recite these consumers laws and hope the cfpb can enforce these laws to these abusive debt collectors who probably are not even licensed to do business in NY. 
15 U.S CODE 1602 ( P ) - UNAUTHORIZED USE / HARD INQUIRIES 15 U.S CODE 1666 B - LATE PAYMENTS, CHARGEOFFS 15 U.S CODE 1681 15 U.S CODE 1692 ( G ) - COLLECTIONS - VALIDATION OF DEBTS 15 U.S CODE 1692 C ( C )
Consumer complaint received 2018-08-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (SC)

During XX/XX/2018, I sent a letter to Aargon Agency. In the letter I asked for the company to please provide me with evidence of the authorization of this matter, the authorization of law for them to collect this information, proof of the alleged debt, including SPECIFICALLY the alleged contract or other instrument bearing my signature. I also request that they please identify the original creditor, provide a complete account history including charges added for collection activity, provide that their agency is a licensed debt collector and can operate to do business in my state and also for their license number and registered agent. As of today, I have not received a response from the agency. 

During XX/XX/2018, I once again sent another letter requesting these information from the above-mentioned companies, no response received. I have sent multiple letters to each credit bureau to have these accounts removed from my credit report, but they refuse stating the debt has been verified, but they provide no proof as to how the debt was verified despite me sending letters that the debts have not been verified.
Consumer complaint received 2024-03-16
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. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (VA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-12-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

I received a letter from Credit Collection Services in regard to a debt on behalf of XXXX XXXX XXXX XXXX that I do not owe. My policy ended in XX/XX/2023 and was on auto payment. Please be advised the letter I received was generated on XX/XX/2023 for an amount of {$170.00}. At this time, it is my estimation that this debt is invalid and does not belong to me.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: P&B Capital Group, LLC (NC)

This company just appears on my credit report. From the report it says it was open XX/XX/ 2021. I never received a letter with any details on this. I have attempted several disputes. If this is my account show me I opened this account and that it's not 7 plus years old. I'm not even aware of the company. The balance says {$310.00}. The credit company place this on my.account out of no where.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (IL)

My due date for my TJX credit card is the XXXX of every month. Since most of my bills are due on the XXXX, I requested a due date change to keep in line with my other bills. The change was requested on XX/XX/XXXX I believe. Prior to the change request, I was told the changes would take effect the next billing cycle which I understood to mean I would get my next bill XX/XX/XXXX ( the statement closing date is the XXXX of every month ). I continually checked my account looking for my XXXX statement, there wasn't one. I contacted the company asking why I didn't have a XXXX statement ( my current statement balance is over {$2400.00} ) and I was told my next bill won't be until XX/XX/XXXX! 

I advised that would make my statement balance too high for me to pay as I would have gone a whole month without a bill and this is my primary credit card. The representative advised me due to the change, I would not be receiving a bill until the change takes effect. I have almost always paid my statement balance in order to avoid paying interest and not having a bill for a whole month as this is my primary CC would mean I wouldn't be able to Pay the next statement balance. The company was not helpful.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), and amended H.R. 5282 you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

You did not provide Verifiable Proof ( an original Consumer Contract with my Signature on it ) of documents you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. H.R. 5282 is clear and consumer is prepared to pursue injunctive relief and other damages in the United States District Court for the XXXX XXXX of XXXX. 

My first letter to you dated XXXX XXXX, XXXX, included a dispute of the listed creditor below. 

1. XXXX XXXX XXXX, XXXX # XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX # XXXX XX/XX/XXXXXXXX Reason for Deletion Failure to investigate and/or verify the disputed account within the allotted time period under FCRA XXXX you must delete the disputed item in accord to 15 U.S. Code 1681i ( a ) ( 5 ). Violation of House Resolution - H.R. 5282, Title IV - SEC 402. 

In-accuracy still exists - example : a credit item ca n't be late if there 's no balance due or a non-existence of an account ca n't be late if nothing is owed. The allege creditor is owed nothing. I am requesting a deletion. The allotted time to provide contractual proof of the account has passed under FCRA, you must delete the disputed item in accord to 15 U.S. Code 1681i ( a ) ( 5 ). The right to post negative information must have standing. You failed to provide documentation that proved the item is accurate. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ( 5 ) ], these disputed items must be deleted from my credit record within 30 days, which has passed. Any attempt to misrepresent the matter is a violation of Georgia O.C.G.A 10-1-372 ( ARTICLE 15 - DECEPTIVE OR UNFAIR PRACTICES ) and is a violation of the Federal Trade Commission Act. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed in this complaint. 

Additionally, Documents were sent to you of investigations completed by the Allege Creditors in XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, which states that the items should be removed. Please see attached.
Consumer complaint received 2017-03-09
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: GMA Investments, LLC (NV)

I have been receiving calls threatening to send officers to my work or home, asking to speak to my supervisor so they can notify them of my situation, asking to speak to my supervisors so they can inform them they will be coming to the office to enforce legal action on me, and threatening arrest and lawsuits. I told them to stop calling my work and family and that I would meet them at my house to receive the papers they said were being served. I even gave them my home address and phone number, which I do n't think they wrote down. They eventually interrupted me when I was giving directions and said they know where it 's at. The calls stopped for a while. No one came to my house. I even took some time off work to meet them during the time frame they provided. 

My sister and mother have also received calls from someone claiming to be some sort of subpoena server and that he is trying to locate me because I 'm in a lot of trouble over a debt and that they need to find me to enforce legal action. 

Today I received a call at work on our main line that anyone can answer. It was from XXXX XXXX. He stated he had orders to serve me and would be coming by my place of employment to enforce legal action. He told me if I wanted to avoid this to call XXXX. 

I have received messages on my phone from XXXX XXXX ( and others who do n't leave a name ) w/ Summit Receivables XXXX stating I should have received a letter in the mail and to call them to avoid legal action. 

I do n't know where the original debt occurred. They ca n't tell me anything but the final bill/offer. They say they have none of that information because they 're not with the debtor company ; they are law enforcement. They are n't with the debt company, but they can transfer me to someone so that I can pay the bill in full and avoid legal action. 

I 've been scammed before and this feels like an effort to collect a debt that I 've already paid. I ca n't find anything on my credit report to verify this debt. This group has harassed me with legal action twice now and I want it to stop. I ca n't do anything to pay my debt if I 'm suspended for personal, disruptive calls.
Consumer complaint received 2023-12-15
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: TD BANK US HOLDING COMPANY (IL)

on XX/XX/, I file a petition for XXXX  XXXX Bankruptcy in the northern district of Illinois case # XXXX in the petition TD AUTO account # XXXXincluded I have disputed with XXXX more than 4 times, and I was informed by XXXX that this account was verified as accurate showing a balance of past due of {$72000.00} for the last 8 months and reporting as a Charge off. both XXXX  and TD Auto are in violation of the Fair Credit Reporting Act XXXX  for fail to conduct a proper investigation under XXXX XXXX XXXX ( I ) ( A ) and TD AUTO for Violation of 15 USC 1581 ( S ) ( 2 ) B please see all the Exhibits and documentation that supports my facts, also I have informed XXXX XXXX XXXX of my disputes and no answer. I was discharged on XX/XX/2023 from the Bankruptcy. Court with the order of Discharge. And now I am asking the CFPB for help my Comsumer rights are being violated by TD AUTO & XXXX as of this date.
Consumer complaint received 2018-08-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (OH)

US BANK CHARGED THEIR MONTHLY MAINTENANCE FEE TO MY ACCOUNT PUTTING IT IN THE NEGATIVE. THEY THEN CHARGED ME XXXX BECAUSE THEIR MONTHLY MAINTENANCE FEE PUT ME IN THE NEGATIVE. I CALLED THEM TO SPEAK TO THEM ABOUT IT. I TOLD THEM THAT IT WAS UNETHICAL IN MY OPINION TO CHARGE A CONSUMER FEES ON FEES THEY CHARGE. THEY REFUSED TO WORK WITH ME OR REFUND ME THE MONEY. I ADVISED THEM THAT I WAS GOING TO FILE A COMPLAINT WITH THE CFPB.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Subject : Formal Complaint Regarding Account Issues with Fifth Third Bank Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have encountered with Fifth Third Bank, specifically regarding the handling of my Business Checking accounts. 

I maintain two separate Business Checking accounts with Fifth Third Bank in XXXX, IL. XXXX of these accounts, opened over two years ago, was initially subjected to a minimum balance requirement of {$50000.00}. Despite expressing my dissatisfaction with this requirement to the bank representative, XXXX XXXX, I was assured that maintaining this minimum balance would be beneficial to me, even though the account is non-interest-bearing. 

Recently, the balance in this account fell below {$50000.00} ( approximately {$30000.00} ), leading to the imposition of a $ XXXX  monthly fee. When I contacted the bank 's customer service, I was informed that this fee was legitimate due to the shortfall in the minimum balance. Notably, my other Business Checking account with Fifth Third Bank does not impose any minimum balance criteria, and both accounts have minimal transactions annually, well below XXXX per year. 

Despite assurances from XXXX XXXX XXXX, the bank manager, that the account type had been changed to one with no minimum balance, I was dismayed to find the {$50.00} fee charged to my account again this month. 

I am submitting this formal complaint to seek your assistance in addressing this matter. Specifically, I request your intervention to facilitate the reversal of the two {$50.00} fees charged to my account and to ensure that the account type has indeed been changed to one with no minimum balance requirements. 

I believe that the Consumer Financial Protection Bureau 's involvement is crucial in resolving this issue fairly and expeditiously. Your attention to this matter is highly appreciated, and I look forward to a prompt resolution. 

Thank you for your time and consideration. 

Sincerely,
Consumer complaint received 2024-01-04
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 (NJ)

I tried using the card on XXXX and was charged pending transaction but didnt go through. Tried using on XXXX and XXXX XXXX and said call card company. 
Called Amex 3x regarding issues : Was told first try another website. 
Then told wait for pending transaction to go through and it will work. It didnt work. 
I am XXXX as I told Amex so cant use in store. 
This card should be able to be used online!
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I 'm filing a formal complaint against ALL XXXX credit bureaus. I have been disputing this account since last year. According to the credit bureau it 's coming back verified which is not true. This account is not and never was mine. This company till this day has not been able to verify anything. I have never received paperwork or anything to verify this account. Per FCRA laws, if a company can not properly verify an account and provide paperwork as such. It is to be removed immediately. They have nothing to provide because they have nothing. It is against the law to add or report debt to a person if the account does not belong to them. This company was only able to obtain my email and number due to a BBB complaint. Even after that, they still could not provide me documentation of any kind, not even a address, call log, payment history, NOTHING. This is against the law and this account is still being reported as such debt that do not belong to me. I have hired an attorney to prepare paperwork and pursue legal action to these credit bureaus for the improper verification of an account that do not belong to me. I 'm beginning to thing the credit bureaus is working with some of these companies. XXXX is not providing NOTHING not even a certified mail. FCRA laws have been broken. I will continue to pursue until this is gone. This is my credit and I will have it corrected. This is my credit worthiness that affects my life. I am also filimg a formal complaint with the state. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MO)

Failure to provide physical proof of verification I share the exact same name as my aunt. That account number for XXXX # XXXX does not belong to me and I asked several times that it be removed from my credit report. Experian has failed to comply with the law. I have send several letters and under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified.
Consumer complaint received 2023-12-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: TRUIST FINANCIAL CORPORATION (SC)

I have had XXXX XXXX XXXX XXXX with XXXX XXXX XXXX for many years. In late XXXX, I was made aware that XXXX of the lines of credit in the amount of XXXX XXXXXXXX was maturing and that I needed to either renew it or close the account. The other line of $ XXXX was still in effect. I went to the local branch and spoke to the XXXX XXXX XXXXXXXX and was led to believe that a renewal was a simple administrative process and they would proceed on my behalf to merge both lines into a new line of XXXX XXXX. There was never any disclosure to me in terms of what the process would entail. This kicked off a process that seemed to evolve each week. On XX/XX/XXXX I received a form letter from the bank basically denying my request on the grounds that I was not credit worthy. This was quite a surprise to me as I had basically not been requested to provide any income verification or statement of assets including the value of my home. I responded to the XXXX XXXX XXXXXXXX on XX/XX/XXXX asking for the letter to be withdrawn on the basis of the flawed assumptions. At this point, I did not withdraw the application, but reduced the amount to $ XXXX to speed the process. After numerous other interactions with the bank, I went to the branch and asked to speak to the XXXX XXXX or a member of management. I was told that it was not their policy for customers to speak to Loan Officers. On XX/XX/XXXX I sent a letter to the XXXX  of XXXX asking to speak with someone in management that would help resolve the confusion and with the authority to clear the issues in my creditworthiness. On XX/XX/XXXX I received a form letter saying that XXXX had investigated and found no fault on their part and were closing their investigation. I will note here that I was never contacted as part of their investigation. It was at this point I withdrew my application for the XXXX  and began the process of closing all of my accounts with XXXX. I am filing this complaint now as it has taken me until now to get all of my accounts closed. I was concerned about possible blow back if I filed this complaint before then. As a result of this experience, my credit rating has been damaged. Customer service and sensitivity is sadly lacking and worse their actions create negative repercussions on their customers credit scores. This seems to be a clear XXXX  of disclosure and truth in lending laws.
Consumer complaint received 2023-03-23
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. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.