davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

To whom it may concern, I sent in several disputes, disputing the inaccuracies of the bankruptcies on my credit report. The credit bureau sent a letter stating that the information was verified and has the US Bankruptcy Court as the address where the information was verified. I called and sent a letter to the US Bankruptcy court and they stated that they don't verify information with the credit bureaus. The credit report shows the liability amount as XXXX which is inaccurate and they have removed the bankruptcy and put it back on my report without a 10 day notice. Equifax has also deleted two other accounts off my credit report then put them back on. Those accounts are XXXX and XXXX XXXX XXXX XXXX. I am submitting the complaint due to lack of investigation into my original dispute. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer
Consumer complaint received 2023-09-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC. (NY)

I co-signed a loan for my sister. Navient negotiated a settlement for the loan without consulting me. Then they reported negative information on my credit report which they are still reporting. This ended up costing me at least XXXX basis points on a recently opened mortgage. This is the only unfavorable information on my credit report and its making my credit score XXXX. This is completely egregious.
Consumer complaint received 2024-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

On XX/XX/year>, at XXXX XXXX XXXXXXXX. I tried to access my Citizens bank accounts to check my balances, both savings and checking, whether the funds are sufficient to cover a check or whether I need to transfer funds from saving to checking account. I tried to do my banking online, as I usually do. I was denied access to my online account. I wasn't even allowed to enter my sign in information. Instead, a message appeared stating in part " Our team is actively making changes to improve overall customer experience. We appreciate your patience ... '' No information was provided as to how long I am supposed to be " patient. '' I have waited for XXXX min and tried again and was denied access again. I have tried calling the bank to check my balances and do the fund transfer by phone but was denied that as well. After I have entered my SSN and account number, the automated message stated that currently there was no access to account information. I have tried getting into my account online after 1 hour again. And again was denied access. My situation was urgent, as I can be charged penalty if there are insufficient funds in my checking account and it also prevented me from using my checking account to pay my bill; and I was repeatedly denied access to information about my accounts without any reason.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I got a notification from credit karma that there was a hard inquiry on my account on XX/XX/year> of a captial one bank USA. This was NOT me and this is fraud! My XXXX XXXX shows that someone apply with a credit card under my name.
Consumer complaint received 2024-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliant Capital Management LLC (KS)

On or around XX/XX/2024, I contacted Alliant Capital about a debt on my credit report that I did not owe. I advised Alliant Capital I have been the victim of identity theft and gave them my case number XXXX. 

Subsequently, Alliant Capital has an affirmative duty under the Red Flag Rule to flag the account as identity theft as well as notify the original creditor that the account is the result of identity theft because the original creditor is reporting to the credit bureaus and as their agent Alliant has a fiduciary duty to advise the original creditor of this as well as their requirement under the Fair Credit Reporting Act, The Red Flag Rule, The XXXX Decision, as well as other case precedence as set by the courts. 

Despite receiving this information Alliant not only continued to attempt to collect on the debt saying the case number was not enough but in addition they are continuing to collect everyday by failing to exercise their duty to have the account removed from my credit bureau. 

The courts have long held that credit bureau reporting is a form of debt collection which is why the Red Flag Rule was invented to prevent individuals from having debts collected on that they did not owe. 

I have spoken with several individuals at Alliant about this egregious abuse of their regulatory laws including the collector, XXXX XXXX ( Collections XXXX ), as well as to both their XXXXirector of Operations and have sent email to their attorney of record XXXX XXXX. 

To date, Alliant has done nothing to comply with the law and in addition to the liability from the regulatory violations I am accumulating compensatory damages. 

This agency needs to be sued by the CFPB for this standard practice that is a complete violation of numerous regulatory laws. Even as a debt buyer, Alliant still has an affirmative duty to follow Red Flag Rules which I will be happy to argue in court. 

Their validation was that this was for a check advance line of credit taken by computer and drafted from a bank account that I did not use that made payments on the account because I had an overdraft line of credit on that account. 

The company didnt even take basic preliminary precautions like questioning prior addresses, name of high school, fathers middle name through a third-party verifier which is standard practice on all financial online transactions. 

Which makes their actions both egregious, negligent, and unacceptable even compared to industry standard.
Consumer complaint received 2024-05-11
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: CL Holdings LLC (FL)

Fraudulent account never authorized. 
I am trying to pre-qualify for the purchase of a home, and according to the law, there shouldnt be any defamation of character on my credit report or inaccuracies. This account is fraudulent, not mine, and is damaging my reputation as a consumer, which is enforceable by 15 USC and 1681g. ''
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (PA)

Hi, XXXX XXXX. 

My Name is XXXX. I have been asked to contact the early warning services team regarding the issue of open bank accounts with XXXX XXXX. 

Name : - XXXX XXXX Address : - XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Due to feedback received from the consumer reporting agency ( Early warning Services XXXX XXXX XXXX  teams are not ready to open my account. This is all started by the report shared by Early warning Services to banks. 

Let me brief the whole incident & how i am suffering due to this wrong report. 

The whole reason mentioned below is how the scammed happened to me. I have appended all chat with the organization, offer letter & fake check. without knowing any reason & justification from my end Bank of America decided to block my account instead to enquiry about the fake individual or fake organization who did this. I had registered a Complaint Report to Fraud FTC GOV ( XXXX ), because the same incident early warning services generated the report which directly impacted on my daily life. 

Short Story Of Whole Incident & Scam : - I was looking for a job & applied on all job platforms. I got a ping on XXXX XXXX chat from XXXX XXXX. She told me that she works for XXXX XXXX XXXX. After all the discussion she offered me an offer letter & check to buy their company hardware & software. I had submitted the check into my account & I came to know from the bank that the check was fake & XXXX  XXXX XXXX blocked & closed my account. I am going through a lot due to this incident/scam happened to me. it also impacted on my financial & also not able to reopen my account with XXXX  XXXX XXXX nor in any other bank. desperately looking for a solution on this. 

I have all the evidence with me like XXXX teams chat details, offer letter, check details & complaint email to XXXX  XXXX. 

I have appended all evidence here with this email for your review & reopen my account asap & ask your report agency to make corrections to my report in their database. so that i will be in position to open my account asap in week time. Let me know if you need any further input/details/data from my end. 

If you think there are any mistakes from my side after looking at all evidence let me know please. I am the victim & I am only suffering. 


Regards, XXXX
Consumer complaint received 2024-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IL)

I assert that I am not legally responsible for the alleged debt associated with XXXX ON XXXX Account # XXXX. As per the principle of contractual privity, I maintain that there exists no valid contractual agreement between myself and HUNTER WARFIELD. Furthermore, in accordance with the legal doctrine of evidentiary disclosure, I have formally requested access to the original contract pertinent to this matter, a request which remains unfulfilled by HUNTER WARFIELD.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (MN)

So around XX/XX/year> I was scammed with 2 fake checks and the bank is holding me responsible but I did some research because it felt wrong that I owed them money even though in my account it said the checks were approved and I was manipulated into sending the scammer XXXX dollars. from what I found online banks are suppose to cover you if you get scammed. I am more than willing to provide proof of this through texts and pictures. Us Bank has been extremely unhelpful I had already filed a complaint and nothing has changed. I can not afford to pay them that money either. I really think the bank is wrong on this and since the account was also in my moms name causing additional problems for her now.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ive called XXXX times and sent a letter in the last XXXX weeks and they havent done anything or sent me proof. in accordance to the fair credit reporting act these unauthorized inquires on my report are violation my rights 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 there is no proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Consumer complaint received 2024-05-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (PA)

Have been robocalled by XXXX XXXX. they keep calling and don't leave a message. I called them back once and he said he was a debt collector but wouldn't give me any info untill I gave him some personal info which I refused. 
The is a small phone bill I think from XXXX XXXX.After 20 mos of good service they worked on the tower I use and my service stopped. afyer 2 trips to the local office and XXXX long conference calls XXXX XXXX couldn't resolve my problem and I told them " no service-no pay '' and switched to XXXX with no trouble.
Consumer complaint received 2024-05-11
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: Affirm Holdings, Inc (FL)

The trade line from Affirm Inc was opened last year in XXXX. It quickly became a collections account but never was removed from the installment loan category. Now it remains under installment loan although the debt buyer XXXX was paid well over XXXX  days ago. Affirm continuously certifies to XXXX that a balance exists where there is none. On the phone with me personally, Affirm said the balance is XXXX. I have provided documents from the Bank, Creditor, and Debt Buyer showing the balance as XXXX and XXXX refuses to acknowledge the fraud Affirm is committing. Affirm appears to be holding my credit hostage maliciously. Please help! Thanks
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (ME)

On XX/XX/year> I received a notification from saying it had been a transaction for XXXX on my account I then called chime and notified them after a little while they told me the card might have been compromised but I have my phone, card etc with me they told me they would send a digital card for me to use in my chime app until the physical call arrived since then I have been completely lock out my account now then they wanted me to send a pic of my state id which I did XXXX  times and they return what seems like a generated msg is we can not verify your account and can not lift the restrictions on your account I went from having full access to none at all and something are not making any sense they just keep giving the run around I ask for them to close my account and refund what I have in the account and they just keep saying the same things over and get with I have direct deposit plus my money in the account and they have no means of how to resolve the situation
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

After multiple attempts, Chime keeps on denying my dispute. They claim to have done investigations properly, and yet, the first time, their dispute rejected my claim even before i was able to provide my evidence the same day i submitted my dispute. I submitted my evidence on the rebuttal claim, and its still denied. They claim to have worked with the other institution involved, but i was also talking to the institution and found out that chime didnt ecen attempt to retrieve a XXXX XXXX on the atm that was used to withdraw funds from my account fraudulently nor have chimed, contacted them. 

If they really did what they said they would, then why have i not received the information i have requested regarding the information they used to end up denying my dispute.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (WI)

Account number XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ...XX/XX/XXXXXXXX and XX/XX/XXXXXX/XX/XXXXXXXX and XXXX at set management account XXXX with these accounts I've been trying to get them off my credit report for the last couple ofXX/XX/XXXX years serious violation of my actual rights.. so I have sent certified letters to all the creditors and also I send picture documents to your place of to view that I have sent certified letters to all my creditors I would love for y'all to remove these accounts immediately
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (CA)

3rd party collection agency Vance & Huffman LLC purchased a previous debt and reported it on my credit without ever contacting me in any way Nothing by mail, phone or email. They reported it without contacting me so I would contact them so they could try to collect. The amount and the details of the debt are incorrect. They have numerous complaints of the same thing through the XXXX XXXX XXXX XXXX. They're tactics are fraudulent and not within guidelines.
Consumer complaint received 2024-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

The matter involves a third party debt collector, Transworld Systems XXXX XXXX ( Transworld ), and its agent XXXX XXXX XXXX XXXX ), that have together issued a notice dated XX/XX/XXXX ( Appendix p. XXXX ) which falsely alleges a debt from XXXX XXXX, complainant, to XXXX creditor, in the sum of {$460.00} ( Appendix p. XXXX ). 
The underlying issue involves an alleged failure to return equipment to XXXX ( Appendix pp. XXXX XXXX ), XXXX claim for damages because the equipment was not returned and XXXX refusal to recognize that all equipment was in fact returned, timely on XX/XX/XXXX, as acknowledged in writing by XXXX ( Appendix p. XXXX ). 
Prior to this case, XXXX third party debt XXXX have contacted the complainant and made the identical demand : XXXX. XXXX XXXX XXXX XXXX by notice dated XX/XX/XXXX ( Appendix pp. XXXX, XXXX ) ; and XXXX. XXXX XXXX XXXX XXXX XXXX by notice dated XX/XX/XXXX ( Appendix pp. XXXX, XXXX ). 
A complaint was filed with the CFPB against XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Appendix p. XXXX ). 
It would appear evident that Transworld and XXXX have served a frivolous notice without having any good faith basis to support the allegations being made ( Appendix p. XXXX ).
Consumer complaint received 2024-03-25
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX
Consumer complaint received 2024-05-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC (IL)

Subject : Dispute with Jefferson Capital System - Request to Cease Contact Dear Consumer Financial Protection Bureau, I am writing to dispute the collection account reported by Jefferson Capital System on my credit report, as indicated in their recent report dated XX/XX/year>. The account in question is for an amount of {$1100.00} and is currently marked as open with a derogatory status. The original creditor associated with this account is XXXX XXXX. 

I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that Jefferson Capital System cease all communication with me regarding this debt. I am formally requesting that they refrain from contacting me by phone, mail, or any other means in relation to this collection account. 

Furthermore, I dispute the accuracy and validity of the information reported by Jefferson Capital System and request a thorough investigation into this matter. I believe there may be errors or discrepancies associated with this collection account, and I am seeking resolution through the appropriate channels. 

I kindly ask the Consumer Financial Protection Bureau to intervene on my behalf and communicate with Jefferson Capital System to ensure compliance with my request to cease contact. I also request that the bureau investigate the accuracy of the reported collection account and take necessary actions to address any inaccuracies or violations of consumer rights. 

I appreciate your attention to this dispute and your assistance in resolving this matter. Please keep me informed of any actions taken and the outcomes of the investigation with Jefferson Capital System. 

Thank you for your support in protecting consumer rights and ensuring fair debt collection practices. 

Sincerely, XXXX XXXX