davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
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: Experian Information Solutions Inc. (NC)

On XX/XX/23 I sent a certified letter to this credit reporting agency disputing multiple derogatory items found on my credit report. According to my tracking information, my letter was delivered or picked up on XX/XX/23. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I should have received an update on the investigation results within 30 days beginning when my letter was delivered to them, which I have not. To date ( 30+ days ), I have not received anything from this credit reporting agency in regards to my letter, not even a reply stating they have received my letter and would be investigating the items found in my letter. In my letter I requested the following : 1 ) Update my Name, 2 ) Update my current address, 3 ) Remove my previous addresses, 4 ) Delete this account : XXXX : XXXX, {$6400.00}
Consumer complaint received 2023-04-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (FL)

I disputed discover bank online with XXXX for amount of XXXX it came back verified I called XXXX again ask them again to to dispute information thoroughly because I talked to discover bank they told me that the debt is owned by someone else and being that that card was a secured card with limit of XXXX dollars it was taken for that deposit so I dont owe XXXX under code 15 usc 1681 ( 2 ) inaccurate information I would like for it to be deleted immediately please
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America, closed my account due to a check that was mailed to me through the usps, to my XXXX XXXX XXXX XXXX XXXX, I was instructed to deposit the check into my bank account as I did for a car wrap company that was supposed to wrap my car, I was instructed to call the installer as soon as the money cleared, bank of America had cleared the check I was then instructed to pay the installer on XXXX XXXX  XXXX dollars which kept saying the transaction failed, when looking back at my statements the gentlemen had got the XXXX and my account automatically minused and left me in the whole XXXX dollars, I don't understand why bank of America gave the company back there money because they said they never issued me a check, instead the minused me XXXX dollars and closed my account with no explanation and still won't hear the side of the story, not just only that, I don't agree with them not posting deposits on the weekends, that doesn't make any since to me personally, ( example ) say I put XXXX in the bank on Friday I withdrawl XXXX which says I have XXXX on my receipt, so I know not to go over XXXX well on the mobile app I look at my account and there saying that a transaction is still pending well I go to the bank and check my balance and the restaurant took out the money already, what does that mean that it's still pending and they don't post transactions on the weekened when the transaction was finished pending they double charged me and kept leaving my account over drawn and would take it out of my other accounts like my credit card which I still have that I'm not understanding where the overdraft fee, is coming from just says overdraft fee and doesn't say where the transaction came from, ive had plenty of conversations with bank of America and don't get none of my money back that they took, I deposited XXXX dollars one time and the receipt said I had XXXX dollars it's been a mess with bank off America and me.
Consumer complaint received 2023-12-14
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: Experian Information Solutions Inc. (TN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

ACCORDING TO 15 USC 1681XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXXXXXX XXXX XXXXXXXX Account number XXXXXXXXXXXXXXXXX - IDENTITY THEFT XXXXXXXX XXXX  XXXX Account number XXXX - IDENTITY THEFT XXXX XXXX  XXXX Account number XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

This is a formal complaint against Capital One Bank for suspected securities fraud. On XX/XX/XXXX th, I sent a negotiable instrument as a registered security in certificated form, to be applied to my credit card account ending in XXXX. It was sent in enough time to be applied for on time remittance for the account. Capital One has been purposefully ignoring my correspondence, reported my account late. Then sent a letter XX/XX/XXXX ( my payment is due the XXXX of every month ) stating they decided to close my account due to fraudulent activity on my account, which there has not been. Furthermore, they rejected my registered security, and never sent it back. I would like for the CFPB to investigate this matter, as it is unlawful to reject a registered security, and to either keep, manipulate, or destroy one. It is also unlawful for them to sell that security on the secondary market which I believe they have done.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LTD Financial Services, L.P. (IL)

XXXX XXXX XXXX is alleging I owe a debt I do not. XXXX XXXX sold his allege debt to XXXX XXXX XXXX knowing the debt has been canceled and canceled debts are considered income and can not be reported to the credit bureaus. XXXX XXXX XXXX never sent me a notice to dispute this information before adding it to my consumer report.
Consumer complaint received 2024-03-07
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KP ASSET CONSULTING LLC (IN)

Was contacted by a company called " KP Consulting '' ( also known as " KP Asset Consulting '' out of New York. They sent me an unsolicited text message, and claimed they wrote me a letter. I have received nothing from them in writing, ever. I am working with a company called Family Credit, who verified with me in writing that in 2023, they attempted to contact the original lender of this debt, XXXX XXXX, who did not respond. It also appears that KP Consulting is not licensed to do business or collections in the State of Indiana. I explained to the VERY aggressive woman that called that I needed proof of the debt in writing. She didn't bother to confirm my address, or do anything further to find out where to send the proof in writing.
Consumer complaint received 2023-08-12
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. (MI)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX ( XXXX ) has violated my rights. I want to emphasize that I never actually occupied the apartment for which I am being unjustly charged. Despite this, the apartment 's cost is affecting my credit report, and I have made multiple attempts to contest this with the relevant company. Their assertion that we reached a resolution is false, as no agreement was genuinely reached. I insist that the {$8300.00} collection by XXXX XXXX XXXX XXXX be promptly eradicated. The basis for this demand stems from fabricated claims of tenancy, as I never moved into the apartment. It's critical to note that no evidence has been presented to validate my occupancy there, despite my repeated requests for such proof. The actions of XXXX XXXX XXXX  not only involve fraudulent activities but also jeopardize my well-being due to the unwarranted credit report, which is the sole obstacle preventing me from securing a safe living space. 

XXXX XXXX XXXX XXXX XXXX XXXX  has egregiously infringed upon my rights by incorrectly reporting 12 instances of late payments. This erroneous reporting has had a significant negative impact on my credit score, thereby impeding my ability to secure housing and obtain credit. Notably, this pertains to a school loan, which by its nature should not have been disclosed publicly without my explicit consent. Furthermore, given that I was actively enrolled in school during the relevant period, my loan should have incurred a XXXX monthly payment. 

I engaged in a conversation with a representative from XXXX XXXX who advised me to initiate a dispute in order to rectify this situation. I was assured that the late payments would be rectified and the account would be restored to good standing, rather than having 12 late payments inaccurately reflected on my credit history. I beseech that these unwarranted late payment entries be expeditiously expunged from my credit report. It's essential to underscore that my debt has since been consolidated and is no longer associated with XXXX XXXX 

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 an 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 2024-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

Citizens has persistently harassed me for about 10 days. They increased my escrow amount but did not bother to notify me as is required by my mortgage. 

As I have learned, Citizens has been sending escrow notices to an address that I lived at 2.5 years ago. I had long ago submitted a change of address, but for some reason they have ignored it. I requested ( verbally ) that the address again be changed last week. The representative assured me it was. This week, I learned that no one ever changed it. 

Consequently, my private information has been exposed to others, and needless so. 

The incompetency is unbearable.
Consumer complaint received 2023-07-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (IN)

I contact Amcol Systems on XX/XX/2023. Approximately XXXX months prior I asked for an itemized statement from this company and received it in XX/XX/2023. Was prepared to pay the debt went to their website where it indicated, I need to add a reference number. There was no reference number anywhere on the bill. When I spoke with a representative there, they said that I should've known that a reference number is actually what they indicated a locator number. I asked them to run the payment they told me there would be a fee of {$4.00} and I asked them because of their unclear website, if they would waive the fee and absolutely refuse when I asked to speak with a supervisor, she repeatedly told me that nobody would ever waive this fee. I feel I had to demand to speak with a supervisor which I should be able to ask for mine and be transferred over. I got to a supervisor whose name was XXXX she said she was the operations manager I explained everything above she still will not waive the fee I asked her what kind of settlement she could offer me which was approximately {$360.00} less than the bill. I accepted that settlement and I paid with my debit card and also pay the {$4.00} fee. I requested a letter or statement that says that my account is now closed with them. She absolutely refuse to provide that for me I didn't understand why. I asked for her supervisors name she said I couldn't talk to them. I said I didn't wan na talk to them. I just wanted a name. She refused to give me that she said she would send me a receipt on the payment. I did not get this either. I'm very concerned because I do not have any proof that this was settled that they are going to come back and tried to charge me additional fees I think that I'm entitled to get a receipt and I'm entitled to get a statement from them that my account with them is closed, I do not have any choice that my hospital uses them for collections. I don't feel that they are in compliance with your regulations without providing me a receipt statement that my account is closed and also charging me a fee just to process my debit card. Based on reviews of this company, there is plenty of notifications that they do come back charge people again on a paid off account saying they never received a payment which now other than my bank statement I have no proof. I want proof of my payment and proof of my account being closed thank you
Consumer complaint received 2023-07-04
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: SYNCHRONY FINANCIAL (AZ)

In accordance with the fair credit Reporting Act Care credit/Synchrony Bank account XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-12-14
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. (GA)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-04-25
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. (CA)

please delete the following account and inquiries Account Name : XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$360.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$5900.00} Account Name : XXXX XXXXXXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX  When was the Account opened : XXXX XXXX, XXXX Account Balance : {$190.00} Account Name : XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XX/XX/XXXX Account Balance : {$540.00} Account Name : XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$190.00} Account Name : XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  When was the Account opened : XXXX XXXX, XXXX Account Balance : {$190.00} Please Delete Fraudulent Hard Inquiries Immediately thats listed below XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : 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 2024-04-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (CA)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

XX/XX/23 - XXXX XXXX XXXX reported to Truist while pending. Truist stated they would block it, if not contact them. They did not block it. We contacted them. They said to fill out affidavits. We submitted affidavits. 
XX/XX/23 - XXXX XXXX reported on XX/XX/23 with XXXX XXXX XXXX XXXX XXXX. We fill out affidavits for that fraud charge as well. 
XX/XX/23 - XXXX XXXX XXXX reversed. No explanation provided. Filled out affidavits again. 
XX/XX/23 - affidavits received by Truist on XX/XX/23 by XXXX XXXX. 
XX/XX/23 - Several inquiries as to status - no response XX/XX/23 - Complaint filed XX/XX/23 to CFPB XX/XX/23 - email from Truist stating working on concerns if need information contact XXXX XXXX. 
XX/XX/23 - email to Truist XXXX XXXX unreturned. No information ever provided. 
XX/XX/23 - email to Truist Client Resolution unreturned. No information ever provided. 
Important Facts : 1. ) XXXX XXXX is not used by anyone in my family. I would never put my debit card on XXXX XXXX 2. ) The fraud was three-fold- XXXX XXXX {$200.00}, XXXX XXXX {$100.00}, XXXX {$200.00}. XXXX was properly restored. 
3. ) Truist is aware on XXXX XXXX Fraud scheme please refer to attached article on XXXX XXXX dated XXXX XXXX. 
4. ) Truist has never responded or provided evidence that the charges were authorized. they were reported fraudulent while PENDING! 
5. ) By law and Regulation E, Truist is required to provide evidence. From a basic customer service standpoint, they should return email and calls. 
6. ) Complaint was closed erroneously by CFPB. On the day that CFPB said the complaint had been closed ( XX/XX/23 ), I received an email from Client Advocacy stated that Truist was still working to address my concerns and researching.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 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 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2024 I mailed a request via USPS Certified Mail to capital one requesting the full on and off ledger accounting records of all transactions that transpired between their company and my en legius. Capital One received the letter on XX/XX/2024. I gave them 14 days to respond. I never received a response.