davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (FL)

I am writing to you with a heavy heart and a deep sense of frustration regarding the unjust debt collection efforts made by NCB MANAGEMENT SERVICES COLL.THIS COMPANY IS NOT LICENSED OR REGISTERED IN MY STATE OF Florida.

I have been turned away from multiple housing opportunities, denied access to loans, and been unable to obtain a credit card. These are not just inconveniences, but essential services that I need to move forward in my life.

The actions of NCB MANAGEMENT SERVICES COLL have caused me immense stress and anxiety, making it difficult for me to imagine a future where I can access the services I need. 

I implore the CFPB to investigate this matter and ensure that my consumer rights are protected under the Fair Credit Reporting Act. I ask that NCB MANAGEMENT SERVICES COLL immediately cease their collection attempts and rectify the inaccurate information on my credit report as mandated by the law. Your intervention in this matter is my last hope for finding some peace of mind and regaining control over my life. 

Thank you for your attention to this deeply personal issue
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
( Capital One # XXXX  ) ( XXXX XXXX # XXXX  ) has violated my rights. 15 USC 1681 section 602 A 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 accounts without my written instructions.15 U.S.C 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 2023-11-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I went to chase and send XXXX XXXX dollars via money transfer to my cousins account, in XXXX XXXX XXXX. But the teller did it wrong and send the money in the wrong currency. I found out and was back at the bank and canceled the money transfer. The teller told me 2-3 days and the money will be back in my account. 
My cousin received the money of XXXX and his bank stopped the transaction, like they should, and send the money back. 

Ive been going to the bank since XX/XX/XXXX every day, where is the money. every day, they tell me. " 2-3 days! '' After a month of the manager ignoring me, I got upset and raised my voice. The bank kicked me out with the security guard and now I can't enter the bank and get my money.

My wife has been calling every day, even today, and they tell her. " it's in route. 2-3 days! '' They tell her the same thing after being on hold for an hour. 
Why is Chase treating us like criminals and yet holding our XXXX XXXX dollars? 

Please help us!
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX  Account 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 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-11-14
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: EQUIFAX, 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 15 USC 1681. 

I told the XXXX, XXXX, Equifax to reinvestigate these accounts accounts : XXXXXXXX XXXX {$150.00} since XXXX. XXXX XXXX  {$80.00} since XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly.

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 items of information, other then records of convictions of crimes which antedates the report by more then seven years.

Also they arent in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-11-14
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: EQUIFAX, INC. (CA)

I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Equifax, one of the major credit reporting agencies. Despite multiple attempts to rectify the situation, Equifax has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. 

I have contacted Equifax on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, Equifax has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. 

I have attached copies of the relevant documents, including my correspondence with Equifax and any supporting evidence that substantiates my claim. I have also kept a record of all communication with XXXX, including dates, reference numbers, and the names of representatives with whom I have spoken. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt XXXX to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. 

I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. 

Thank you for your time and consideration. I look forward to a prompt resolution to this matter. 

Sincerely,
Consumer complaint received 2023-11-14
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. (LA)

I am reaching out as I have previously disputed unauthorized inquiries on my credit report from XXXX, XXXX and Equifax. 

None of the unauthorized inquiries were removed and no documentation was provided. 

I am demanding to have the inquiries deleted abd have reached out to the bureaus again to request them to be deleted. 

See attached letter
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

I believe my account is hacked in some way. I would like CFPB to look into this matter. This particularly happens with my XXXX XXXX account. On my mobile banking app It gives me the option to turn on or off toggle and for some reason when I check it again it always turning back on when I know it's supposed to be off. I get the run around when I contact these companies.
Consumer complaint received 2023-11-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

My complaint IC system collection XXXX -- -- Sent a collection amount of {$340.00} for equipment owing. to XXXX XXXX XXXX. The collection agency thru XXXX placed it in collection. After contacting XXXX XXXX with XXXX  receipt attach to dispute the claim. XXXX XXXX kept the collection on my credit report. Unfortunately they didn't contact XXXX XXXX XXXX and verify the XXXX receipt. EQuipment was return and my XXXX receipt is there to proof it, so I am requesting XXXX XXXX to remove the collection from my credit report. IC system Collection phone number XXXX
Consumer complaint received 2023-11-14
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 (TX)

I was on a payment plan for back taxes with the IRS. I set up the payment plan to be drafted from my Truist account starting in XX/XX/2021. In XXXX of XXXX I received a letter from the IRS that I was in default bc no payments had been received. I have records showing the amount was withdrawn from my account but the IRS says they never received it. I asked Truist to provide proof of where they were sending the payment deducting my account and their external routing did not match anything the IRS had on file. Truist also continued sending out the payment despite the fact there was no external request prompting it as of XX/XX/2021. The IRS had closed down that payment request for what was showing as default on their end. In total, Truist sent almost {$7000.00} out of my account but neither party can account for where it went.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for TRANSUNION to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/XXXX I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX  to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/XXXX I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX  to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

According to the companys website upon receipt of a written request they will usually remove a fraud alert within 72 hours. 
Its been more than 72 hours since the request was made and the Fraud alert remains. 

This erroneous fraud alert is being publish without my authorization written request, and has caused me to be denied credit. It is of an urgent nature that I am requesting your assistance in have this unauthorized fraud alert removed. Additional I would like the credit bureau to notify each company that has conduct a hard pull of my credit within the last 30 days that the alert has been removed.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (TN)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666a, a creditor may not treat a payment on a credit card account under an open end plan as late for any purpose.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (TX)

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 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
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. (NY)

It has come to my attention, upon further investigation, that Transunion, XXXX and XXXX are all violating federally protected consumer laws by selling nonpublic personal information and allowing companies to commit fraud with my estate and violate the privacy act. I have not granted permissible purpose pursuant to 15 USC 1681. All 3 companies have allowed income to be reported on my reports in the guise of a " charge off '' ( certificate of indebtedness ). They are aware that income is not to be reported on any persons credit report. All 3 companies have violated 15 USC 6802 thru 15 USC 6805 and no option to opt out of reporting were given at any time. All 3 agencies have inconsistencies through out ALL 3 reports are to remove the following from my credit report. If anything that has not been validated by myself, remains on my report, I reserve my right to file suit. All communications will be utilized as evidentiary information. 

TRANSUNION : REMOVE EMPLOYMENT " XXXX XXXX XXXX ''. REMOVE ALL ADDRESSES, THEY ARE NON-MAILABLE ADDRESSES. REMOVE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX. REMOVE XXXX XXXX XXXX, REMOVE XXXX XXXX XXXX XXXX. REMOVE XXXX XXXX XXXX XXXX REMOVE XXXX XXXX, REMOVE XXXX XXXX XXXX. ALL COMPANIES HAVE FAILED TO RESPOND TO DEBT VALIDATION LETTERS. HARD INQUIRIES TO BE REMOVED XXXX XXXX ( bank ). 

XXXX : REMOVE NON MAILABLE ADDRESS- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. REMOVE ACCOUNTS FOR FAILURE TO VALIDATE : REMOVE XXXX XXXX XXXX XXXX REMOVE XXXX - XXXX XXXX, REMOVE XXXX XXXX XXXX, REMOVE XXXX XXXX BANK XXXX : REMOVE EMPLOYMENT " XXXX '', REMOVE " XXXX XXXX ''. REMOVE FOLLOWING NON MAILABLE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '', REMOVE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, REMOVE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX REMOVE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX, REMOVE XXXX XXXX, REMOVE XXXX XXXX XXXX, REMOVE XXXX XXXX, REMOVE XXXX XXXX XXXX XXXX XXXX XXXX REMOVE XXXX XXXX. 

please be advised, if ANY of the above information remains on my report, i reserve my right to file suit against all 3 bureaus. I XXXX XXXX XXXX have NOT validated ANY of the above information nor was permission given under 16 CFR 313 and 15 USC 1681. I am the only one who can validate any information and I exercise my right to OPT OUT of reporting THAT I DO NOT AUTHORIZE. THIS IS A FINAL NOTICE.
Consumer complaint received 2017-04-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pendrick Capital Partners Holding, LLC (CA)

I submitted a previous case XXXX for reference. XXXX XXXX XXXX report XXXX derogatory comments on my consumer credit profile with XXXX and XXXX. I initiated a complaint as I have never received any written or prior notification from them. XXXX then responded to my complaint stating they needed an account number. As I never received a notice from them, I did not know what account number to reference. I finally received a notice dated XXXX XXXX, received XXXX XXXX stating that I owed for a medical debt in the amount of {$270.00} to the original creditor of XXXX XXXX XXXX. Since XXXX refused to verify the debt, I contacted XXXX XXXX XXXX by phone and spoke to representative XXXX today, XXXX/XXXX/2017. She could not verify the account numbers provided from XXXX 's notice, nor look up any outstanding debt based on my name or Social Security number. 

XXXX XXXX XXXX has failed to abide by law with mandatory notices and placing the derogatory remarks on my credit profile. This complaint is to be served to them as my official request in writing to provide written verification of the debt, which includes the original creditor 's name, address, and phone number and services provided so that I might verify their claim. As I was unable to verify it over the phone provided by the actual original creditor, I am interested to see what documentation will be provided. 

If supporting documentation is not sent rectifying the discrepancy above, I will add fraud to my claim when I file my lawsuit.
Consumer complaint received 2023-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose collection agency is Portfolio Recovery Associates LLC is reporting a collection amount of {$2000.00}. This collection agency has updated this account with no closed date, which reflects the account as current. This collection agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 SECTION 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to reach out to XXXX to understand why they are reporting that I still have a balance. I 've sent multiple certified letters to them at the address listed on my credit reports, and the certified letters keep coming back to me as undeliverable. Yet when I request validation of this account and balance from the credit bureaus, my account is being updated as validated by XXXX. I 'm not receiving any documentation or validation, yet when the credit bureaus reach out to them, by credit report loses points because XXXX somehow validates this account and begins to report it again. I have verified several times that my certified letters are going to the same address that is listed on my credit reports and there is no phone number listed for them. This is absolutely ridiculous and really hindering me from obtaining certain credit lines.