davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Based on a review of my credit report, Ive sent the following letter to have the report corrected and all inaccuracies removed, Under FCRA 15 USC 1681 and privacy act of 1974 for the purpose of maintaining the consumer report in premium standard. The following that have been highlighted should be removed as they are considered certificates of indebtedness which is considered income per 26, CFR 1.61 - 12 of the internal revenue, sub, chapter A and 26 CFR 1.108-2 The creditor debtors partnership treatment of value for market value of indebtedness, as equal to the liquidation for value of the debt for equity interest for the purpose of determining the tax consequences of the debt for equal exchange. 
All soft inquiries are unrecognizable and are to be removed per 15 USC 1681 permissible purposes, and the privacy act of 1974. These soft inquiries were not notified of to be placed on my consumer report, or verbally consented to, and should not have been reported without written permission. 
The following have been highlighted for removal from the consumer credit report names and addresses for removal as they are incorrect, spelling and non-malleable addresses, all phone numbers highlighted are noncallable and I can not be reached or notified of any changes on my credit report all nonaffiliated, third-party collectors with account numbers and transaction history are to be removed as they are charge off from the original creditor and are considered zero certificate of debt which is income per 26 US 61 where gross income is defined and considered income can not be reported at is a violation of financial transaction to be considered non-public personal information and to be removed immediately. 

12CFR 332.10 Limits on disclosure of non-public personal information to nonaffiliated third parties.

( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 332.4 ; as I was not notified prior to making a record of any accounts or transactional history per the violation, it is to be removed.
Consumer complaint received 2024-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC. (IL)

On XX/XX/2023, I placed an order with XXXX for XXXX XXXX XXXX XXXX XXXX totaling {$2100.00}, with the XXXX option consisting of a {$250.00} deposit and {$69.00} monthly payments. However, after three weeks, I had yet to receive the product/service. On XX/XX/2023, I contacted the company 's customer service department to inquire about the status of my order. 

In response to my inquiry, XXXX assured me that my order would be expedited and provided an estimated delivery date. Unfortunately, this date passed without any further updates or delivery of the product/service. 

On XX/XX/2023, after several unsuccessful attempts to follow up with the company, I made the decision to cancel my order. I communicated my decision to cancel to the company 's customer service team via phone and email, providing all necessary details. The company confirmed the cancellation, indicating that a refund manager would contact me. 

However, on XXXX, 2023, XXXX announced the wind-down of its global operations, rendering aligner treatment unavailable through their platform. Consequently, all orders that had not yet shipped were canceled, and refunds were not processed. 

Despite canceling my order, I have not received a refund for the amount paid. Additionally, I continue to be charged by Healthcare Finance Direct ( HFD ) for the monthly installments for a product/service that was never delivered. 

I have attempted to address this issue by disputing the charges with my credit card company. However, HFD asserts that the cancellation of my order is invalid as I did not cancel my account directly with them.

Furthermore, I have been subjected to harassing phone calls from HFD threatening to send me to collections if I do not make payments, despite my refusal to pay for a product/service I never received. 

Please forward this message to the relevant department or individual within the company for their attention and necessary action. 

Thank you for your assistance in addressing this matter.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

THIS STATEMENT IS FACTUALLY INCORRECT. Bank of Americas response to my recent complaint. 

On XX/XX/XXXX, you contacted our Estate Servicing Operations department to inform us of the passing of XXXX XXXX XXXX. Please accept our condolences for your loss. On XX/XX/XXXX, we received a copy of the XXXX XXXX for XXXX XXXX XXXX. On XX/XX/XXXX, you contacted our Customer Service department and requested the closure of account ending in XXXX that you shared with XXXX XXXX XXXX. On the same day, the referenced account was placed in a closing status. On XX/XX/XXXX, we completed the closure of account ending in XXXX. On the same day, a check for the funds in the account of {$20000.00} was issued to you and sent to the address on file via XXXX tracking number XXXX. We can confirm the check was delivered on XX/XX/XXXX. Please be assured that your concerns have been shared with our senior management team as an opportunity to improve the service we provide to all clients. We hope that you will allow us the opportunity to restore your confidence in us in the future. Thank you for sharing the details of your experience with us. We sincerely regret the inconvenience and frustration this matter may have caused. Our goal is to provide professional, courteous and responsive service at all times. We apologize that, in this instance, we did not meet your expectations. 
MONETARY RELIEF AMOUNT {$20000.00} THE CORRECT INFORMATION : I reported the passing of my mother, XXXX XXXX, on XX/XX/XXXX. Bank of America withheld funds from my mothers estate for months, despite submitting the required notarized forms and death certificate, often multiple times. 

Only until the CPFB intercede did they finally release the funds. 

A request for the remaining funds of {$20000.00} was initiated on XX/XX/XXXX. Until the CPFB again intervened was the matter closed on XX/XX/XXXX. There must be recourse to their practice of denying funds for as long as possible.

This pattern of of withholding funds and the repeated requests for documents already sent to the bank is unacceptable. Merely returning funds in fear of CPFB response does not follow standard bank practices and, in my opinion, illegal.
Consumer complaint received 2023-12-07
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. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2018-02-26
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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc. (TX)

NOT MY ACCOUNT. CAN'T GET REMOVED. HAVE SEVERAL. VICTIM OF IDTHEFT AND STILL HAVING ISSUES SINCE XX/XX/XXXXXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$1100.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Original Balance {$1000.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX
Consumer complaint received 2023-05-22
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: CITIBANK, N.A. (CA)

In accordance with the fair credit reporting act XXXX Account # 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 a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-27
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: JPMORGAN CHASE & CO. (GA)

XXXX XXXXXXXX received email from XXXX saying credit file inquiry- theres been a change to your credit file XXXX XXXXXXXX received call from JP Morgan Chase inquiring if I applied for a Chase Saphire credit card. The name given was my maiden name. I changed to my married name 2 years ago. I stated I did not apply for any credit card, and the representative said she would mark the application as fraud and reject the credit inquiry on my file.
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (NY)

I was never late on the paid off account listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-01
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. (PA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-24
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. (FL)

I have received my credit report from XXXX, XXXX and Transunion. I have contacted XXXX XXXX XXXX XXXXXXXX and XXXX XXXX numerous times and even disputed it with the Credit Bureau. I am requesting a Goodwill Adjustment to remove the late payment ( s ). 

Unfortunately, I am a single mother of XXXX daughters and we lost there father a couple years ago. Since I have done my best to be the best I can be. My middle daughter has XXXX XXXX XXXX and an XXXX XXXX which cause XXXX XXXX XXXX XXXX. There have a been a few mishaps with having to mis work or even loosing my XXXX job as a result of providing care for my daughter during these XXXX XXXX causing a lateness in payment to my bills. However all three credit cards are now current with under 20 % utilization.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here is the account that need to be removed from my file : XXXX  XXXX
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have a 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. 166b states that a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-04-27
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Greenberg, Grant & Richards Inc. (VA)

XXXX XXXX of Greenberg , Grant & Richards Inc. contacted my family members ( specifically my father ) and provided information regarding the amount of the debt. I had previously told her to not contact my family member and she is still harassing them
Consumer complaint received 2023-03-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2023 I disputed incorrect information on my credit report. Through my CFPB portal it has been 30 days and the reinvestigation is still pending with no results, no verification/validation or physical proof of these alleged debts as requested by me under the provisions of 15 USC 1692 ( g ). Further I have a right to privacy under the provisions of 1681b
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (GA)

I attempted to create an account with Truist on XXXX XXXX XXXX I received an email with an application ID of XXXX. I paid {$50.00} using a debit card to deposit funds. The email stated here are your new account details. 


Upon trying to make an account through the app and website, I was told that the account was closed and that it could not be opened. I have not been refunded for the {$50.00} after the account has been closed. 

On XX/XX/XXXX, I received a letter in the mail stating the account statement with an account number XXXX. The account was charged {$12.00} for the monthly maintenance fee even though the account was supposed to be closed. 

On XX/XX/, I contacted Truist and was told they can not close the account. I was instructed to go into the branch and I went into the local branch and was told to call Truist and get in touch with their fraud department. Again, I could not get ahold of anyone who could close the account.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I am writing to express my dissatisfaction with the recent experience I had with Capital One Bank concerning the advertised bonus for opening a savings account. 

As per the promotion, I fulfilled all the requirements by depositing {$100000.00} into a Capital One savings account and maintaining it for at least XXXX months. However, instead of receiving the advertised {$1500.00} bonus, I only received {$750.00}. 

Upon reaching out to customer service to inquire about the discrepancy, I was informed that only qualified money from external banks qualifies for the bonus, and transfers from a Capital One checking account are not considered as " new money. '' While I understand the bank 's policy, I transferred the funds into my Capital One checking account from an external bank before transferring them into the savings account simply for ease of transaction. In my understanding, the checking account served as a transfer station, and the funds originated from an external source, thus qualifying as " new money. '' I am puzzled by the definition of " new money '' used by Capital One and feel that my actions met the criteria outlined in the promotion. Despite explaining my perspective, I was informed that no exception would be made. 

I am reaching out to request a thorough review of this matter and reconsideration of the bonus eligibility criteria. 

Thank you for your attention to this matter. I look forward to your help and a resolution to this issue.
Consumer complaint received 2018-02-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Universal Recovery Corporation (CA)

When I received a letter from Universal Recovery Corporation dated on XXXX stating that I owed them money in the amount {$230.00} I then tried to negotiate and I was trying to settle a debt I allegedly owed and I sent them a letter that I was willing to negotiate and pay not the whole amount but {$150.00} ; the original creditor was from XXXX XXXX and was sold to this collection agency called Universal Recovery Corporation ; however, this agency has been harassing me calling my employer and leaving a voicemail not directly to me ; and calling my phone and my other friend multiple times leaving voicemail instead of replying back to me by mail. Today I received I letter stating that now I owed them XXXX ( please see the attached copy of the letter from Universal Recovery Corporaton and also my letter to them. Please Advise. Thank you.