davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

On XX/XX/XXXX, I received an email that identify theft protections were cancelled on my Discover account. I inquired on my account through the Discover app as to why and it said my account was closed. I contacted Discover who indicated they sent a letter in XX/XX/XXXX. I never received that letter or an email indicating the account was to be closed for inactivity in XX/XX/XXXX. I contacted consumer service who stated I had to reapply for the card. I indicated this card with closed without my knowledge. They stated their systems do not allow them to reopen the account. They transferred me to an escalated contact who delivered the same information and told me I had to contact a voice agent. I contacted the voice agent who again stated they did not have the ability to reopen the closed account and that they did not need my permission to close the account. They stated they would resend the notice letter. I stated that had I been aware of the need for activity on the account I would have performed as this account had been opened for over a decade. The arbitrary closure of the account has an adverse impact on my credit. They stated that their systems do not have the ability to reopen the account. If they do not have this capability then do not have the ability to appropriate correct errors that they have caused which is a fundamental flaw in their servicing system to the detriment of the consumer. I request my account be reopened.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

The following corporations and agencies have violated my consumer rights, and I will be using every remedy under federal consumer law : They have ignored every letter of online activity that was sent to them to recognize their fault in this manner : XXXX XXXX XXXX, LVNV Funding, XXXX XXXX XXXX, XXXX, and XXXX : Under my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that your agency provide detailed verification of the alleged debt, including the original creditor 's name, the nature and amount of the debt, and any relevant contractual agreements. Failure to provide such verification will be considered a violation of my rights, which he still has not provided today.

In light of the lack of a contractual relationship and unauthorized access to my private information, I request that your agency cease all communication with me regarding the alleged debt. Any continued attempts to collect on this debt without proper verification will be considered a violation of the FDCPA.

I expect your agencies to conduct a thorough review of this matter and provide a written response within [ a reasonable time frame of 14 days ] addressing the concerns raised in this complaint. Failure to provide evidence of a valid contractual relationship or continued unauthorized access to my private information may result in further legal action to protect my rights.

According to 12 CFR 1016.7, a consumer has the right to opt out of credit reporting services at any time. Despite my explicit request to exercise this right, the necessary information on opting out has not been provided. This failure to comply with the law is unacceptable.
Consumer complaint received 2023-03-14
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: Stellantis Financial Services US Corp. (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.

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 purpose.
Consumer complaint received 2024-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc. (NJ)

On XX/XX/2023, my XXXX XXXX was charged for the XXXX XXXX toll but I was sent a collection notice for a toll that had already been paid. I submitted copies of the payment statement and they refused to remove the collection, and stated that I was still responsible even though it was paid.
Consumer complaint received 2024-01-17
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Noticed my credit card interest rate changing over the years without any notification. Rates have consistently fluctuated over the years on a quarterly or so basis and without any notification ever. When asked how my interest rates have increased so much from my original terms Im met with thats what is has been. They only have statements online for the past two years and even there the rates are showing changes without any notification from the lender. My rates has increased almost 9 % since getting this card and I have never made a late or missed payment over the years. This is unfair and deceptive practices for service members and their families. The company prides itself on being military friendly but operate as though its business is targeting military.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

My check systems report shows seven inquiries from XXXX XXXX on behalf of XXXX for XXXX XXXX and XXXX XXXX XXXX XXXX. I do not know who these companies are nor do I do business with them. Ive never applied to open any type of account and the addresses that are listed on the inquiries do not match any that Ive lived at. Ive disputed them with check systems, but they refused to remove them because they say that theyve been Verified accurate? I dont see how I did not authorize these and theyre obviously fraudulent. I need these inquiries removed ASAP. Ive been requesting this for months from XXXX XXXX and check systems and I never get any response. This is preventing me from opening up a checking account and this is severely impacting my life Order appreciate this if this could be resolved quickly
Consumer complaint received 2024-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION (VA)

I received XXXX separate emails from Truist saying my mortgage payment was not received. I then received an email that my mortgage was current, as I did make my XXXX payment. But after receiving an apology email from Truist at XXXX XXXX today, I then received another email ( the 10th email ) at XXXX XXXX  notifying me my XXXX mortgage payment was not received. Even though I have confirmation from my bank that the payment did post on XX/XX/2024. I attempted to call Truist but encountered long hold times so I didn't have time to stay on the phone.
Consumer complaint received 2023-06-14
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: CITIBANK, N.A. (FL)

XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XX/XX/2021 Somebody used my information to inquiry about a credit card and appeared on my hard inquires i want to get this removed from my credit report hard inquiries. After talking to the credit company itself they found no further information on the matter therefore they told me to write to you guys
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX. I received information regarding a claim for out of pocket expenses traced to the Capital One Data Breach. My record was located by the settlement administrator. The out of pocket expenses occurred beginning with a claim I filed in XXXX with the CFPB regarding a car loan from Capital One. I did not receive out of pocket expenses and instead the car was charged off and still remains on my credit report due to the Capital One Data Breach. 
In XXXX of XXXX, I applied for a Capital One Credit Card and was given a {$300.00} Credit Limit. I was mailed the card and the auto loan was connected to the account. I was asked to send my ID via a text and a email. I was told they could not confirm my identity after three weeks of contacts from Capital One representatives in XXXX and other countries. I asked because the representatives asking me to text an email my Id to me seemed as if they were phishing and also had access to my account information including DL information. I was told my account was closed in the similar fashion I was given information about the charge off of my car loan after contacting the CFPB. Capital One has not reconciled the charge off or addressed the information disclosed from the breach, nor have they addressed why a credit line of {$300.00} was issued along with a credit card, and then the account closed. Capital One has access to my current DL information, address and social security number. The reason I applied for the credit card is because I received a pre-qualification email that stated I could apply without a credit check hitting my credit report. 
Because my personal information was breached through Capital One, I received a notice from XXXX stating that I had until XX/XX/XXXX to address any other cost related to time spent, account closures, credit and account closures etc. I am filing a claim with CFPB and will also file a claim with XXXX since I did not receive out of cost expenses from Capital One. My credit score has been impacted as well as the implication of fraud ( not being able to confirm my ID ), also the physical loss of a line of credit and the possibility that more Id theft has occurred due to Capital One Representatives requesting multiple times my ID while my account was open.

There is also an issue with Capital One causing restrictions to my account before they closed by restricting my phone number. I have had to file a police report and escalate the matter to risk management of my phone carrier XXXX. All of this has created a trickle down effect and has left my personal information vulnerable for Id theft.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have provided requested information regarding proving my identity information proof of ID and address. Transunion keep asking for the same documents however these requests were sent by certified mail. XXXX XXXX XXXX XXXX US Postal service Certified Mail. since XXXX XXXX. This is a continuation of back and forward and nothing is being resolved.
Consumer complaint received 2024-01-16
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)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX Ref : XXXX XXXX To Whom It May Concern, I am writing to file a formal complaint regarding the unauthorized and inaccurate reporting on my consumer credit report. This complaint pertains to the account reported by DEPT OFEDXXXX, with the following reference numbers : XXXX and Equifax - XXXX ; XXXX - XXXX. 
As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), the Family Educational Rights and Privacy Act ( FERPA ), and the Privacy Act of 1974. In accordance with my rights under these statutes, specifically under the FCRA and 15 USC 6802 ( b ) ( c ) and 15 USC 1681C ( a ) ( 5 ), I am hereby officially revoking any and all consent previously granted to XXXX, Equifax, and XXXX for the reporting of this account. This revocation includes consent in any form, be it verbal, non-verbal, written, implied, or otherwise.

Moreover, I am exercising my right to opt out of reporting services, as stated under 12 CFR 1016.7, which affirms that " A consumer may exercise the right to opt out at any time. '' I demand that this account be removed from my credit reports immediately, as its presence constitutes a violation of my rights and has potentially damaging implications for my financial standing.

The inaccurate reporting of this information has caused undue stress and could lead to significant negative consequences for my financial health. I request a thorough investigation into this matter and the prompt correction of my credit report. 
Please acknowledge the receipt of this complaint and inform me about the steps you will take to address this issue. I expect a timely resolution and an updated credit report reflecting the removal of the aforementioned account. 
Thank you for your attention to this important matter.
Consumer complaint received 2024-01-16
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)

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had Three late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ) and ( XX/XX/2023 ) ( XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Consumer complaint received 2024-01-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, I received the attached letter from a company called XXXX XXXX XXXX attempting to collect on a debt for an XXXX account from XXXX plus years ago. I have filed a CFPB complaint with XXXX on a prior collection attempt from 3 years ago and they sent me a letter RE : CFPB Case # XXXX on XX/XX/XXXX stating that their records do not show this debt. This company XXXX XXXX XXXX XXXX is constantly calling myself and my relatives and tries to collect on a debt that would be time barred if it was real. They are in violation of consumer law section 1006.26 ( Collection of TimXXXX Barred Debts ) which states that ( b ) Legal actions and threats of legal actions is strictly prohibited. A debt collector must not bring or threaten to bring a legal action against a consumer to collect a time barred debt. The attached letter received today is a direct violation of this rule. It has a series of references to XXXX, XXXX, Bank XXXX and lawsuits. I filed an additional complaint against XXXX as they are listed as the original creditor on this letter. However, they responded that they have no record of this debt and that we must reach out to Capital One as they may have bought this debt from XXXX. Please see attached letters. I need to have Capital One confirm that this debt never existed in their records and this collection effort is not on behalf of their company.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. 
Please remove this inaccurate address as soon as possible. This is not my home address. Please verify and delete it immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX
Consumer complaint received 2024-01-16
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' These inquiries are currently being reported on my credit report Equifax is reporting only XXXX 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 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 15 U.S. Code 1681s2 ( A ) ( 1 ) states `` 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.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures as Equifax and XXXX are not reporting these inquiries but XXXX is reporting them and this is obviously inaccurate reporting and that is unlawful and damaging to me. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of these reporting services.
Consumer complaint received 2024-01-16
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. (FL)

Please consider this as my formal complaint to the EXPERIAN for allowing the unauthorized inquiries and for not taking corrections which are now damaging my credit reputation. I have my dispute letter dated XX/XX/2024, with the identity theft report number XXXX.They allowed the non-permissible inquiries to be reported in my credit file without proper notification. As I checked my credit report these inquiries are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2024-01-16
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: Fidelity National Information Services, Inc. (FNIS) (IL)

after carefully reviewing my Chex system consumer report I discovered information reporting that is inaccurate I believe is a result of identity theft Ive been a victim of identity theft before, after reviewing I believe my credentials was used to inquire for product and obtaining services without my consent I contacted the companies involved didnt receive any responses this is a serious matter I request that a investigation take place immediately to protect my rights as a consumer under 15 U.S.C 1681 s-2 Section A a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2024-01-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: DISCOVER BANK (AE)

After the settlement was finalized with last payment confirmed in XX/XX/2023 about emailing me the 1099 C form for tax year XXXX. I called XXXX to advised them to email me the form ; however the call was disconnect. I would like Discover Personal Loan to upload in this portal or email me it.
Consumer complaint received 2023-06-08
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX00.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}