davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
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: Experian Information Solutions Inc. (NC)

I am writing to urgently notify you that I have fallen victim to identity theft, leading to several fraudulent entries on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent, and they must be addressed immediately. 

Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries- XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX XX/XX/XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am demanding the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Consumer complaint received 2023-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NV)

My father XXXX XXXX XXXX passed away XXXX XXXX and he had a joint account with his girlfriend XXXX XXXX. I was able to close is personal account as soon as I had the death certificate but not the joint account since XXXX was still alive. But unfortunately she could not take my father off the account with out me since they were not married and she was unable to get his death certificate. So I was willing to go down with her to take him off. But unfortunately she kept putting it off and she had passed away two months later. I was told by Wells Fargo the account can not be closed unless both next of kin were present with both death certificates and IDs since they were not married and there was no Wills or Trust. If no one agreed on who got what we were told we had to take it to court which no one had done. I had been trying to close this account for months and kept getting the run around from the bank. I even had a letter from the bank stating both parties must be present. I was just recently told the account had been closed by XXXX 's son and that was that. When I called the bank they couldn't give me any information over the phone so I went down and was given the run around several times. When I finally was able to talk to a manager they said they don't know why it was closed and since it was closed they would have to have the XXXX department call me by XX/XX/2023. Well here it is Thursday XX/XX/2023 with no call no explanation. I need an answer on why this has happened with my fathers account. I am the only living child of my fathers so no one is able to get anything legally but me.
Consumer complaint received 2024-04-20
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. (CO)

Request for Immediate Removal of Specific Transaction History from Credit Report I am writing to demand the immediate removal of all transaction history, payment history, and related balance information for my XXXXXXXX XXXX account tradeline, as currently reported by EQUIFAX and XXXX. This request is grounded on multiple violations of my privacy rights as protected under various federal laws and regulations. 
Firstly, the reporting of my personal financial information contravenes the Privacy Act of 1974, which safeguards personal data against unauthorized disclosures. Secondly, 12 CFR 1022 ( Regulation V ) mandates the protection, proper disposal, and accuracy of consumer information, which your records have failed to uphold in my case.

Additionally, the Fair Credit Reporting Act ( FCRA ), under 15 USC 1681 and 1681 ( b ), requires consumer reporting agencies to ensure that all data reported is accurate, verified, and disclosed solely for permissible purposes with the explicit written consent of the consumer, which I have not granted. 
The XXXX XXXX ( XXXX ), particularly sections 6801 through 6805, further underscores the obligation of financial institutions to protect the privacy and security of consumer non-public personal information. It explicitly states that any identifiable financial information, which originates from a transaction, or any service provided, should not be disclosed without explicit written consent which I have not given.

Furthermore, 16 CFR 313 and 313.7 outline the regulations for the privacy of consumer financial information and affirm a consumers right to opt out of information sharing. These sections provide me the authority to request the cessation of information reporting as has been improperly handled in my case. 
Given these substantial legal breaches, I insist on the prompt removal of the aforementioned information from my credit report. I expect a written confirmation and an updated credit report showing this removal within 30 days of receipt of this letter. Please be advised that failure to comply with these requests may compel me to take further legal action to protect my rights and privacy.
Consumer complaint received 2024-01-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NAVY FEDERAL CREDIT UNION (MD)

In XXXX of 2023 I refinanced my XXXX Insight with Navy Federal Credit Union. XXXX released the vehicle XX/XX/2023 to Navy Federal. Navy claimed they never received the title in XXXX of 2023. When I called to dispute, they changed their story and said they never got the lien release so the refinance wasn't final. Even though they sent me a XXXX dollar refinance credit in XX/XX/2023. 

Without the proper paperwork Navy failed to send in to the Motor Vehichlce Administration in a resonable and lawfult time, I'm unable to sell or trade in my vehicle because businesses will not accept a different lien holder on the Title. Right now I'm getting charged interest for this vehicle loan I'm unable to sell and Navy is receiving profit. I was offered XXXX over what I owe for the vehicle!
Consumer complaint received 2024-04-21
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)

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

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 instruction.
Consumer complaint received 2023-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

I am writing to file a formal complaint against Americollect , Inc. regarding their handling of the debt associated with account number XXXX, which they reported to the credit bureaus without providing proper debt verification, as requested. 
On XX/XX/ I sent a written request to Americollect, Inc. requesting verification of the debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Despite my request, I have not received any response or the requested verification letter. This failure to comply with my legal request raises serious concerns about the validity of the debt in question. 
Moreover, I want to highlight that I made a payment of the total outstanding amount of {$1300.00} to the original creditor, XXXX XXXX XXXX of XXXX XXXX, via check # XXXX on XX/XX/. However, this payment was made without assuming any responsibility for the debt, as I had not received the requested verification from Americollect , Inc . 
Furthermore, I am deeply troubled by the fact that Americollect , Inc. has reported an amount of {$1200.00} to the credit bureaus, despite the original billed amount being {$1300.00}. This discrepancy raises doubts about the accuracy and legitimacy of the reported information. 
I am formally requesting the following actions : 1. Immediate removal of the collection account # XXXX from my credit report. 
2. Confirmation of the removal sent to my address or email as proof of compliance.

3. Proper adherence to the FDCPA regulations by Americollect , Inc. by providing the requested debt verification. 
I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against Americollect , Inc. for their failure to comply with the FDCPA regulations and their inaccurate reporting to the credit bureaus. 
I appreciate your attention to this matter and request a swift resolution to rectify this erroneous reporting on my credit file. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-05-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Complaint Regarding Unfair Treatment by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXETER FINANCE LLC XXXX XXXX XXXX XXXX. 



To Whom It May Concern : I am writing to file a formal complaint against XXXX XXXX and EXETER FINANCE LLC ; XXXX, XXXX regarding their unfair treatment and unjust demands regarding my recent vehicle purchase. My name is [ Your Name ], and I reside in the state of XXXX. The details of my complaint are as follows : I purchased a " good '' vehicle from XXXX XXXX on XXXX XXXX and the financing was arranged through Exeter Finance LLC. The contract was executed, and the three-day cooling-off period has passed. 

Recently, XXXX XXXX contacted me and demanded that I return the " good '' vehicle or pay the full amount due, alleging that I have defaulted on the purchase documents. However, I have diligently adhered to the terms of the contract and have not committed any violations. Additionally, I am concerned about potential breaches of representation and warranties outlined in my contract with XXXX XXXX. Specifically, I provided a down payment at the time of purchase, which, to the best of my understanding, should have satisfied my contractual obligations. However, XXXX XXXX is now alleging default without providing adequate justification or evidence of breach on my part. 

As a consumer in the state of Florida, I am aware of my rights under the Uniform Commercial Code ( UCC ) and relevant state statutes. Specifically, XXXX Article XXXX governs the sale of goods, including vehicles, while XXXX Article XXXX addresses secured transactions and repossession procedures. I believe that XXXX XXXX 's actions may be in violation of the provisions outlined in these articles, particularly regarding warranties, remedies for breach of contract, and repossession procedures. 


I respectfully request that the CFPB investigate this matter and intervene on my behalf to halt any repossession efforts by XXXX XXXX and Exeter Finance. Additionally, I seek a resolution that is fair and just, without further consequences to my financial well-being. 

Attached to this letter are copies of relevant documents, including the purchase contract, communications with XXXX XXXX, and proof of payments made. I urge the CFPB to review these materials as part of their investigation. 

Thank you for your attention to this matter. I trust that the CFPB will take prompt action to address my concerns and ensure that consumer rights are protected. Please feel free to contact me if further information is required. 

Sincerely, XXXX XXXX XXXX XX/XX/2024 2024
Consumer complaint received 2024-04-21
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. (IL)

in accordance with the Fair Credit Reporting Act this creditor XXXX XXXXXXXX for account # XXXX and XXXX XXXX account # XXXX has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a 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 late payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CO)

On the XXXX of XXXX I called Citi Bank customers service because the bank tried to access my bank for XXXX payment which I never authorized and Ive been paying the monthly amount since XXXX. This month was the first month they tried to collect the statement balance and I tried to work with the customer service representative but he got abusive and when I asked for a supervisor I was told they didnt havent any. I informed him that he has to forward me to a supervisor after I have requested one. The call got heated after that so I closed my account which he did do after much back talk. As of the moment my account is closed but I will keep an eye on it. Any help in this matted would greatly be appreciated. 
Thank you in advance, XXXX XXXX
Consumer complaint received 2023-12-26
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. (CA)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau 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 or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

XXXX. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : XXXX. Order the credit bureaus to remove the inaccurate information from my credit report. 

XXXX. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (IL)

I submitted 5 online disputes to reverse a charge with Goldman Sachs Apple Card with the last call on XX/XX/XXXX for a XX/XX/2023 transaction with XXXX for {$1200.00}. On that day I purchased two items from XXXX that were properly identified as separate transactions for two different vendors with a reference number and description paid by my XXXX XXXX card. There is no record of the {$1200.00} on XXXX and I cant file a complaint on XXXX. I have asked Goldman Sachs to trace the charge back to XXXX to identify the vendor to determine legitimacy because it is fraud but they wont. I suspect the problem may be related to Apple making Goldman Sachs the default credit card overriding my XXXX XXXX card. I had to go to the system app on my XXXX to designate my XXXX as the default credit card. Apple is directing a lot of business to Goldman Sachs and I did not apply for the card like I did with my other credit card.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MN)

I deposited a check to my bank account ending in XXXX and the bank decide to put it on hold. I contacted the person who gave me the check to put an stop payment because I needed the funds immediately. They closed my bank account and did not let me see the amount on my account. I have waiting for several weeks and still they are not sending me a check. I contacted them again today and now they are only willing to send me a small check for XXXX $ while I had more than {$2000.00} on my account. This bank is stealing my money and charging me fees for not reason.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

After two years Bank of America still havent returned the funds that was mistakenly deposited into my account and was supposed to go into my business account, today XXXX XXXX I just found out today that Bank of America is still holding {$25000.00} of the SBAs money and will not return it! After I was informed by them back on XXXX XXXX that they were waiting on SBA to inform them what they wanted them to do with the funds! But the SBA informed me they never received any information from Bank America on this matter of them holding the funds XX/XX/2023! All I wanted them to do was give the {$25000.00} back that is it! What is so hard about this it was a small mistake of wrongful account numbers which both account numbers are mind but they closed my checking account with bank America because they thought I was trying to commit fraud! Which wasnt the case I am not a criminal I worked hard for everything I have and own! This mistake has went on too long! I thought this was over two years ago but Bank of America refused to return funds that do not belong to them please return the {$25000.00} back to the SBA! That is all I want I encourage you to stop this madness! I reported this matter before and nothing was done! I want this matter resolved immediately
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/2023, My checking account was restricted with Chase Bank. They said my account was being close and wishes to not have me as a customer, did not give any information beyond that. There was {$18000.00} in my joint checking account. 

I called every week, they told me 10 business days later they would over night a check of my funds. 

On XX/XX/2023. I called and a representative told me she did not see any funds being released. I escalated to a supervisor that did confirm the funds, but they were withdrawn to an internal chase account to their internal investigation bureau. I asked for contact information with this investigation bureau and was told there is not way to contact them and to just wait. Could not tell me how long to wait, and just wait.

Chase did not send me a letter in the mail, or contact me. I only found out my account was restricted when a friend tried to send me money through XXXX, that was when I discovered my account was restricted on XX/XX/XXXX.
Consumer complaint received 2023-09-25
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: WELLS FARGO & COMPANY (CA)

On multiple occasions i made appearances physically inside 3 seperaate branches of the bank, so i could speak to the branch mananger in prrson about all of the issues and problems i was experiencing with Wells Fargo. I also contacted their customer complaint department on 4 seprrate occasions with no resolution they expidited my complaint to upper managment and i haven't heard a word from them since the last call i made to them and that was XXXX of XXXX. I knew about the Banks illegal activities and their fraudulent Morgage practices and illegal kickbacks back in 2021 because i was being scammed by them personally. They were involved with XXXX XXXX XXXX and the Apartments I still live stealing government funds from HUDS section 8 vouchers.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (VA)

I have been hit with a derogatory mark on my credit report by a company called Transworld Systems I. On the report i received from XXXX XXXX it states that the account was opened on XX/XX/2023 with XXXX and was last reported on XX/XX/2023. 

I currently have XXXX and my account is up to date. I have had XXXX since XXXX of 2023. We established an account with XXXX after i experienced harassment and and identity theft from an ex friend. The individual XXXX XXXX compromised my cell phone from XXXX along with used my personal information to obtain credit cards as well as hacked all of my emails and personal accounts. 

I '' m not sure why I am receiving a ping on my credit. There has been no written notification sent to my home address. I attempted to dispute the collection on XXXX but when doing so XXXX says there is nothing to dispute despite showing the derogatory mark. Also there is no information on how to contact the company.