davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (AZ)

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. 





XXXX XXXX {$6600.00} XXXX XXXX {$3700.00} XXXX XXXX {$8400.00} XXXX XXXX {$38000.00} 'Congressional findings and statement of purpose ' 15 U.S.C 1681 section 602 ( a ) ( 4 ) : 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.

'Permissible purposes of consumer reports ' 15 U.S.C 1681 section 604 ( a ) ( 2 ) : In Accordance with the written instructions of the consumer to whom it relates. 

'Reporting information after notice and confirmation of errors ' 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ) : 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 2023-03-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified items indicated below reporting on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected or deleted immediately for they are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ATG Credit, LLC (NY)

On XX/XX/ I made a complaint with the cfpb complaint number XXXX with a cease and desist as well as a notice of fault due to ATG credit violation of the consumer protection act ATG not only failed to cease all communication ATG also did not attempt to provide monetary remedy for set violations or delete themselves from my consumer report On XX/XX/ i made a complaint to cfpb with complaint number XXXX ATG CREDIT responded on XX/XX/ stating they would cease communication On XX/XX/ i made a complaint with a attached cease and desist and demand letter ATG to correct my consumer reports and pay monetary remedy ATG credit stated i didnt answer their calls as in its mandatory to speak with them they had no business harassing me and caused me a great deal of stress i would be attempting to file a small claims lawsuit if we can not settle this matter FULLY
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/ Wells Fargo mailed my husband and I a letter. We received in on XX/XX/XXXX. In it they said they were closing our two checking accounts. They gave no reason why, so on the same day we called the number that was listed at the bottom of the letter. The representative refused to give us a reason that the accounts were closed. He said that the bank was not obligated to tell us the reason. That was the end of the discussion. 

We know that accounts are typically closed if they are rarely used, if there have been a number of overdrafts, if something suspicious seems to be going on, or if there has been fraud. None of those pertains to us. That's why we are stumped. 

Please help us find out why they have closed the accounts. Perhaps they can reverse their decision
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (VA)

This is the letter I sent on XX/XX/XXXX to XXXX XXXX XXXX : My account opened XX/XX/XXXX is a charge off showing an amount past due {$2500.00} on my credit reports. This inaccuracy alone means you must remove it from my credit reports immediately. In addition, this account is indeed charged off, so why did I never receive a copy of the 1099 C which you are required by law to provide me for my taxes? I did not receive either of the 1099 C. You received a tax write off for these debts, and I should not have this debt reported on my credit profile. It is now a certificate of indebtedness and income to be reported by me to the IRS. 
Please send me any and all forms or documentation proving you have the right to report this as a debt to my credit report. If you can not provide this documentation, please remove these debts from my report immediately. 
This is also a letter I sent to American Express on XX/XX/XXXX : Dear American Express, I have been receiving numerous harassing emails since XXXX demanding payment for a charged off account. There are two accounts that have been charged off, One for {$600.00} opened XX/XX/XXXX and {$10000.00} on XX/XX/XXXX. These accounts are indeed charged off, so why did I never receive a copy of the 1099 C which you are required by law to provide me for my taxes? I did not receive either of the 1099 C. You received a tax write off for these debts, and I should not have this debt reported on my credit profile.

Please send me any and all forms or documentation proving you have the right to report this as a debt to my credit report. If you can not provide this documentation, please remove these debts from my report immediately. 
Please cease and desist all attempts to contact and harass me through email or mail, unless it is to provide me with documentation for which I have asked. Remove these account from all three credit reporting agencies immediately. 
There are lates being reported on my now closed long standing XXXX XXXX account, It is illegal to report transaction history. P
Consumer complaint received 2023-10-22
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

During my Edd XXXX claim it took BofA over 4 months to issue a card ... .they made me go to a check cashing thru XXXX XXXX to get money and charged me for this ... .I had money they appliedto card that I had no access to for over 4 months in 2021 ... .it 's their records ... ..I was made to go thru a check cashing using XXXX XXXX 3 times ... XXXXwith fees ... .I lost my home and was living in my vehicle because of this problem caused by BofA. 
Why did it take over 4 months to get a card They would not let me go into the bank with Identification. Why????
Consumer complaint received 2023-10-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (MD)

The XXXX XXXX XXXX and I came to an agreement that this debt was not owed. They have adjusted my account to a XXXX balance and I was told they would contact Hunter Warfield to let them know to remove this debt from my credit report. I called Hunter Warfield on XX/XX/23 and they refused to do so and stated they havent received any information to remove the debt.
Consumer complaint received 2023-07-08
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. (GA)

I did not sign any agreement that XXXX could furnish my personal information to any company. This is a clear violation of 15 USC 1681B ( 2 ) AND this is also Identity theft. The report of six late payments to my account XXXX is not verified and is a clear violation of 15 USC 1681A ( 4 )
Consumer complaint received 2023-05-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear XXXX XXXX/TRANSUNION/XXXX  I am writing to dispute the XXXX XXXX  account ( Account number : XXXX ) that is listed on my TransUnion credit report. Upon reviewing the information provided, I do not recognize this account, nor have I ever had any dealings with XXXX XXXX 

I am concerned that the reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of 15 US C 1681 section 604 A Section 2, 15 USC 1681 Section 602, and 15 US code 5 1681b. 

I request that this account be removed from my credit report based on the following CFPB guidelines : Inaccurate Information ( CFPB XXXX Bulletin ) The account information provided is inaccurate, and I am disputing this account as I do not recognize it. The creditor has not provided any proof of my consent or authorization to open this account. Therefore, I request the removal of this account from my credit report. 

Failure to Verify Information ( CFPB XXXX Supervisory Highlights ) The creditor has failed to verify any information about this account despite my repeated attempts to request information. The information listed is not only inaccurate but it is also incomplete. As such, I request that this account be removed from my credit report. 

Deceptive or Unfair Practices ( CFPB XXXX Annual Report ) The information provided by XXXX XXXX  is deceptive and unfair as it has negatively impacted my credit score. I have not received any correspondence from this creditor or any notification of any outstanding debt owed. As such, I request that this account be removed from my credit report. 

In accordance with the FCRA and CFPB guidelines, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report. I expect your prompt response within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA Account Number : XXXX
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NJ)

In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

this account was paid in full in the department store in XXXX. The payment was misapplied and later credit ed back about 30 day later .The late payments are incorrect. XXXX  was paid directly I never heard of Comenity Bank. The store is out of bossiness and the bank has failed to respond to my correspondence. they have violated FCRA LAWS THEY NEVER INFORMED ME THAT THEY WERE PLACING ANY NEGATIVE ACTIVITIES ON MY CREDIT REPORT.THE ARE REPORT ON ACCOUNT THAT PAID COMPLETELY OFF WITHOUT LATE PAYMENTS. I HAVE DISPUTED AND THE VIOLATED FDCPA LAWS BY NOT ADDRESSING MY CONCERNS AND DISPUTE
Consumer complaint received 2023-11-24
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

I, erroneously, mailed a check to citizens pay at the beginning of XXXX. The check was suppose to be sent to XXXX. When I recognized my error I requested a refund from Citizen pay. I was told it would take three days to receive it in a check. Today I called Citizens pay and was told it can take up to 45 days to receive this refund. I told the representative that I needed the refund sooner.
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-13
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. (NC)

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 U.S.C 1681. 

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 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 instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

Dear Consumer Financial Protection Bureau, I am writing to seek urgent assistance regarding my Venmo account, which has been frozen without proper justification. My situation is as follows : On XX/XX/XXXX, I received a direct deposit into my Venmo account. 
Shortly after, Venmo froze my account and requested identification documents. 
I promptly submitted my passport and drivers license as requested. 
Despite multiple follow-ups and conversations with supervisors, my account remains frozen. 
The department responsible for handling frozen accounts is unresponsive, and I have been told to wait for XXXX business days. 
As a single mother with XXXX children, this situation is causing significant financial distress. My entire direct deposit from my job is being held, and I am unable to pay my rent and meet other essential expenses. 

I kindly request your intervention to expedite the resolution of this matter. I have diligently complied with Venmos requirements, yet my account remains inaccessible. I implore you to investigate and ensure that Venmo releases my funds promptly.
Consumer complaint received 2023-05-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion has violated my rights and has ignored my concerns over their reporting of erroneous account information on my credit report. They have illegally verified information that is reported wrong and there is no way to get a reasonable explanation from them. They have not provided any proof that I requested and I have not been able to get ahold to them over the phone. I have sent them all the information I have. They have stressed me out by making a simple situation difficult and refusing to uphold their legal obligations.
Consumer complaint received 2023-09-19
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. (PA)

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 2024-07-08
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: CLGF Holdco 1, LLC (FL)

I never authorized this company to check my credit and I have called and asked them to Remove it but it still has not been removed CB INDIGO XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX
Consumer complaint received 2023-10-21
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (MD)

AMSHER COLLECTION SERV Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. I contact the company and did not get what I was requesting. On XXXX, this company requested a payment of {$2100.00} and to my knowledge I've never signed any contracts with this organization for them the request payment from me. I would like to validate this debt. This debt is affecting my ability to utilize my right to attain new financial products and it is also violating my right to financial privacy.
Consumer complaint received 2024-07-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (WA)

I applied for a school misconduct discharge for my XXXX  student loans through Navient, on XX/XX/year> and had to make an edit on XX/XX/year>. I attended the XXXX XXXX XXXX XXXX, which is part of the XXXX XXXX schools that the federal government deemed fraudulent, and is issuing refunds for XXXX attendees. The XXXX XXXX XXXX XXXX made their announcement in XX/XX/year>. I sought out the application for school misconduct discharge, applied to it, and got a canned response on XX/XX/year>. That response did not tell me the specific reasons why my application was denied and what other proof I may have needed. Today, on XX/XX/year>, I asked for reasons why my application was denied, and I was given another canned response, and told to call a number. I called the number, and it was too busy to get through. I know for a fact that Navient XXXX  discharging these loans for school misconduct, so I demand to know why my application was denied, and a chance to redo it.
Consumer complaint received 2023-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (VA)

Cavalry Port is reporting I am delinquent on a loan for {$5500.00}. They said the loan was taking out in 2019 when I never took a loan out in 2019 nor any years before or after even close to that amount. They are lying and won't give much information about the loan they claim I owe. They have harrassed me to a point where they wonqt stop calling even when I have asked over 20 times now to please stop calling my phone. They are rude people and they will use a different number each time they call.
Consumer complaint received 2024-07-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION (OH)

I was notified that I was denied a line of credit from regional acceptance on XX/XX/year> but I have never applied for a loan or line of credit from that company and have never been to their websites. I believe my personal information was used without my consent and I would like that inquiry removed from my file and for them to get rid of my personal information.
Consumer complaint received 2023-03-09
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: Grain Technology, Inc. (NJ)

In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 a43. ak open end consumer credit plan as late for purposeXXXX XXXX
Consumer complaint received 2023-10-05
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. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (PA)

On XX/XX/2022 the Philadelphia Fair Housing Commission ordered XXXX XXXX XXXX to pay me {$1400.00} security deposit and {$840.00} due to living in uninhabitable living conditions as a previous tenant. The FHC DOCKET NUMBER is XXXX. XXXX XXXX XXXX in retaliation to losing the court hearing, filed a fraudulent collection debt against me which is reflecting on my credit in the amount of {$6700.00}. The company continuously engages in fraudulent business practices. Im seeking that this fraudulent debt be removed off of my credit report. Im also seeking that XXXX XXXX XXXX be investigated for illegally reporting a false debt.