davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Waypoint Resource Group, LLC (WA)

I had a XXXX account ending in XXXX that was sent to collections with Waypoint Resource Group. However, XXXX has confirmed that the statute of limitations expired on this alleged debt as of XX/XX/XXXX, and that they are not owed any money and will not be collecting on the account. 

Despite this, Waypoint Resource Group inaccurately reported this account as a collection item on my credit reports through XX/XX/XXXX. As of XX/XX/XXXX, XXXX is now inaccurately reporting this account themselves directly to at least XXXX. 

I have filed multiple disputes with XXXX to have this erroneous collection removed. However, the disputes are being denied, with XXXX stating the information is being verified as accurate by XXXXWaypoint . 

The only fair resolution is for XXXX, as the furnisher, to instruct all three credit bureaus to promptly delete this account from my credit reports, as required by the FCRA. XXXX needs to rectify their inaccurate reporting and provide confirmation to me once the account is removed. I look forward to their cooperation in resolving this matter.
Consumer complaint received 2024-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion was contacted multiple times to remove the fraudulent account from XXXX XXXX XXXX amd my final attempt to have the information removed as my right under FDCPA
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the XXXX XXXX XXXX. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under XXXX XXXX Section XXXX A. XXXX XXXX has the right to privacy. 

XXXX XXXX Section XXXX A Section XXXX : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX : Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX : Account # XXXX
Consumer complaint received 2024-03-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (GA)

Received a collections discrepancy on my credit report from JEFFERSON CAPITAL SYSTEM ( original collector : XXXX ). As an individual my last purchase from XXXX  was around XXXX and was paid outright in cash. All my accounts with XXXX were closed and service was cancelled the same year due to poor service and switched to XXXX. XXXX XXXX I received a notification from my credit report app that a collection had been opened. I requested receipts of the transaction and disputed this with XXXX and JEFFERSON CAPITAL SYSTEM and no conclusion or determination has been reached so far. I would like to request that these collections be terminated due to the original creditors discrepancies and negligence.
Consumer complaint received 2023-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (CA)

Phone bill with XXXX XXXX in XX/XX/22. 
For month long trip to XXXX XXXX during which mobile phone service did not workcould not make calls nor sent text msgs. 
I was billed approximately {$560.00} for this month and disputed charges. I was willing to pay {$150.00} of the bill and I did so. My credit card company also looked into the matter and agreed with paying only {$150.00}. 
Now I am receiving notices from a debt collector Professional Credit Services saying {$490.00} is owed. I will not pay this!!
Consumer complaint received 2024-03-26
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)

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 has violated my rights. Or a 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 2024-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FULTON FINANCIAL CORPORATION (MD)

I received a refund deposit from my college XXXX  via there payment system XXXX. I went into bank to withdraw funds for big purchase so my card would not lock. The teller withdrew funds from account than was told by someone speaking a foreign language to put it back. Now account has been locked and have no answer from XXXX XXXX ywt
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Hello I setup enhanced direct deposits for my payroll into my Citibank checking account for {$100.00} bonus but havent got the bonus yet as per the terms. Their customer service is also unhelpful in resolving this issue. Hence I would like to request to kindly reach out to them so they can look into this and deposit {$100.00} bonus into my account. Thanks
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and have a current police report on file with Chex Systems. The following Reported Information and Inquiries Viewed By Others currently showing and listed on my Chex Systems Consumer Report ID : XXXX are fraudulent accounts and fraudulent inquiries : XXXX  XXXX XXXX XXXX XXXX, XX/XX/2024, {$860.00}, XXXX XXXX XXXX XXXX, XX/XX/2024, {$1000.00}, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXXXXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX, XX/XX/2024 XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX  XXXX XXXX XX/XX/2024, XXXX  XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024 and XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, XX/XX/2024 and XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, XX/XX/2024 and XX/XX/2024 XXXX XXXX, XX/XX/2024 and XX/XX/2024 and XXXX XXXX XXXX, XX/XX/2024 and XX/XX/2024
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Hi, I am upset with using the Capital One travel portal after getting my Venture XXXX card. Here are the issues : -The filter feature has a bug. I was unable to select premium economy and sort. 
-Flight itineraries disappear in a few minutes. There's a flaw here too that caused me to spend {$300.00} more per ticket. Maybe search option is not showing all the flights. 

-As Mentioned earlier the search is not showing all the flights ... when searching for a flight on airline 's website, I see better options ( shorter flights ) at the same cost as capital one portal. But turns out I can not use price match or other similar features. 

-I was not helped with price match coz I found a better pricing on capital one portal. Where's fairness if you can not match to your own price -After clicking a watch flight button when the bar pointed dark red and waiting, the price has actually gone up and the bar now points to lighter red. I missed a good deal because of this feature with bugs! 

-On my recent booking I saw a tick on seat selection without any asterisk and so I thought I am saving {$200.00} on seat selection but turns out most of the good seats are either paid or blocked. 

-I didn't get watch flight option on the flight options I recently booked. Where as this was one of the major reasons I got Venture XXXX. 

-Support staff at travel helpline is pathetic. When I asked them to help me call the airline and resolve an issue they asked me to make call myself. If I am not getting service then I would have used my another card where the travel desk makes an effort to help a customer out!
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX I recently pulled my free credit report at my annualcreditreport.com and notice some of the following addresses and names are incorrect you are not mine i already contacted the two credit bureaus mentioned in this complete here today it made attempts to fix this issue I am asking for the CFPB to help me in this matter. So that my my information is not compromised again and used on the black web. I have since found a FTC complaint and I have attached it to this document here today alone with my birth certificate iD and social security please fix the problem and send me my new credit report with the correct information this time. 

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 XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX never disclosed to I XXXX XXXX the consumer that my personal information was going to be shared with a 3rd party by the name of Chexsystems. I the consumer XXXX XXXX Never permitted XXXX to share my information This is a form of identity theft and also it violates the Fair Credit Reporting Act. As 15 U.SC 6802 ( b ) Opt out states ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option
Consumer complaint received 2024-03-26
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-03-26
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. (OH)

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 XXXX XXXX XXXX. 

has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-11-08
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Zenith Financial Network Inc (FL)

The company is calling 8-10 times a day and last night called me at XXXX Central time ( my timezone ). The number is a Virginia number meaning it was XXXX their time. This keeps happening and it is becoming harassment.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

In XXXX I deposited a check at my personal account to Chase Bank for the amount of {$5000.00} the check was written under XXXX XXXX XXXX fencing. ( The second is the name of my company ). So when the money was acredited Chase bank put the money on hold and did not release it because they suspected that I was commiting fraud. When I went to the bank and I explained it all to them they said that they will call the customer that gave me the check to a phone number that they had on file and they said that the customer never answered the phone so they did not give the money back to me. 

Next thing I did is I went to talk to my customer and we both made an appointment with chase bank to explain that it was not fraud, the person who issued the check went with me, we both presented our documents, explained the situation to the bank so that they would release the money, they took copies of our IDs and other documents and they said that they would fix the problem. 

The next thing Chase did is instead of releasing the money since we had clarified everything, they closed my account and they kept the {$5000.00} from the check and also they kept about {$300.00} of the money that I had in my account. I have called them many times and walk in to their branches many times but none of them can fix it, I have spoken to about 10 different agents from Chase and they all give me different explanations and it seems that they just do not want to give me the money back. 

The customer has been also going to talk to them and she has called them many times but they do not want to give us the money back, I feel terrible since I feel that they are stealing the money and I can not do anything and I feel like no one is by my side to help me agains this atrocity. 

I am writing to you with hope that you can help me with this situation.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

My name is XXXX XXXX XXXX ( XXXX last # XXXX ) and ( XXXX # XXXX ) and I written several complaints regarding my account missing or ommitting money.

1 ) Either the balance does not match my expenses and 2 ) The charges on the account are repeated after being deducted on the day of the available balance and then added to the pending on the following closing of the day thus, charged twice to my account.

3 ) The available balance at end of day changes when charges are repeated For instance, On XXXX The available balance after deducting my charges of the day was {$870.00} Today, I went to my account and some charges were omitted from the XXXX and repeated and deducted from the current available balance. Thus the account balance was {$830.00}. 

There is a deficit on the account after my purchases of : {$12.00} My account is not supposed to get charged the monthly fee as it does not have a separate credit card attached to checking or linked to account. 

The current charges are : {$6.00} ; {$6.00} ; {$14.00} ; {$5.00} Reflecting two available balances at closing of day : XXXX -- -- {$870.00} XXXX -- -- - {$830.00} Deficit or ommitting : {$12.00} to my account. 

On another day : XXXX XXXX XXXX XXXX  {$66.00} missing or ommitted from my Citibank account. 
Available Balance on account : incorrect. 

XXXX XXXX  XXXX XXXX {$17.00} Missing or ommitted from Citibank Account. 
The intention of theft was to leave the account at a value of XXXX. 
Nonetheless, the bank has adjusted account to estimate or cover theft by {$9.00}. 
Missing {$17.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I deposited a {$75.00}, XXXX check on XX/XX/XXXX from the XXXX XXXX XXXX XXXX. The account is still frozen and I was told a force close was put on the account. The treasury department said that they paid out for that check on XX/XX/XXXX. My bank which is Huntington Bank will not give me any information..refuses to release the funds..would not give me the check back ... treats me basically like a criminal. I have not been able to access the money that was already in the account and I can't get anywhere when I call on the phone. I can't get any answers. It's a good check and they have been paid but will not release my funds.
Consumer complaint received 2024-03-09
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: Early Warning Services, LLC (IL)

I am disputing several fraudulent accounts and unauthorized inquiries on my credit report, all stemming from identity theft incidents that occurred, many while I was a minor. These accounts were opened fraudulently using my personal information, exacerbated by my inclusion in the XXXX data breach. Despite my efforts, discrepancies persist, leaving me vulnerable to further financial harm. I demand the immediate removal of fraudulent accounts and inquiries, as well as a thorough investigation into the matter. ''
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805. 
I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off. 
This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of 1974. 

This account was charged off on XXXX Inaccuracies on the amount with each bureau.