davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

DeaR SIRS : WAS REVIEWING MY CREDIT REPORT AND FOUND NUMEROUS INQUIRIES WHICH WERE NOT AUTHORIZED BY ME, AND DID NOT APPLY TO THEM! 
LIST AS FOLLOWS : 1XXXX CXXXX XXXX 2 XXXX XXXX XXXX XXXX 3XXXX XXXX XXXX 4XXXX XXXX XXXX 5.XXXX XXXX XXXX 6XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX 9XXXX XXXX 10.XXXX XXXX-REPORTED AS FRAUDULENT ACCOUNT ON FTC REPORT # XXXX. 
11. ONLY APPLIED TO XXXX XXXXXXXX XXXX FOR AUTO LOAN! AND ALL THE REST OF THESE INQUIRIES SHOWED UP, PLS REMOVE UNAUTHORIZED INQUIRIES!
Consumer complaint received 2023-02-05
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # 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.
Consumer complaint received 2024-01-08
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. (NY)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). 

XXXX. Harassment or abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRAs electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2024-01-08
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. (VA)

In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXXHowever, they stated 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 suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Consumer complaint received 2024-01-08
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)

Complaint Regarding Non-Compliance with Negotiable Instrument for Debt Cancellation I am writing to file a formal complaint against XXXX XXXX and [ LVNV Funding XXXX and XXXX XXXX  as well as XXXX  Name ] for their failure to honor a negotiable instrument, specifically a Form 1099-C, which legally cancels the consumer debt in question. I believe that their actions violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. 

I would like to bring to your attention that the negotiable instrument used in this case, Form 1099-C, is a legally binding document that should result in the cancellation of the consumer debt. The failure of the above corporations to honor this instrument raises concerns about their compliance with consumer protection laws.

I am seeking the Consumer Financial Protection Bureau 's intervention to ensure that The corporation named above must comply with the relevant laws and promptly cancel the consumer debt using the negotiable instrument provided.

[ Attach copies of relevant documents, including Form 1099-C, correspondence with the credit bureau and collections agency , and any other supporting evidence. ] I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will investigate the issue thoroughly. I look forward to a resolution that upholds consumer rights and ensures fair treatment by the law. 

Thank you for your prompt attention to this complaint.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax, XXXX XXXX, and XXXX has reported a XXXX XXXX with a balance that does not belong to me. This is a case of identity theft and a data breach. XXXX XXXX has also reported a XXXX XXXX credit card with a balance that does not belong to me. This is also a case of identity theft and a data breach, and I have reported it. 

I have already written, called, and emailed XXXX XXXX about this issue, but they have failed to follow the proper guidelines and protocol for identity theft and dispute processing. I request that these accounts be removed immediately from my name, records, and all credit files.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (TX)

On XX/XX/2024 Discover Stole {$2000.00} and {$100.00} for a company titled " XXXX XXXX Discover sent me a text message the same day on XX/XX/2024 It stated from a number XXXX " Discover XXXX XXXXXXXX : We Declined {$2000.00} at XXXX XXXX. Recognize this? Y or N. Questions? Call XXXX. Text STOP to quit. In which I responded N, Discover then sends back a response Discover XXXX : Sorry, We did not understand your response. Try again after reviewing the previous message or call XXXX. Text STOP to quit. In which I texted N again for the third time, and Discover once again responded : Discover XXXX : Sorry, we did not understand your response. Try again after reviewing the previous message or call XXXX. Text stop to quit. After the third message I sent it didn't respond anymore. Discover IS FALSELY Accusing me of authorization after I SENT PROOF in picture I did not authorize the transaction. I uploaded this to the XXXX XXXX XXXX - XXXX This transaction was not authorized. Discover Bank XXXX Department even admitted I did not respond with a Y to authorize the transaction yet. Their Dispute response for denial stated. Account holder has contact with the financial institution. I have never had contact with the institution. This XXXX whoever this third party is, I have not done business with. I do not have contact with this business and in the secure document upload listed above I DID NOT authorize the transaction. It's not my fault Discovers text message system did not recognize my response. This is a technical BANKING Error, not a Consumer error. I followed all proper laws and reported this right away to XXXX different departments within Discover including sending a PHOTO COPY PROOF OF THE TEXT AND RESPONSE. Which clearly shows I responded N. I did not authorize this transaction, and I have not been in contact with this merchant. This is $ XXXX Discover allowed to be drained from my XXXX XXXX Account without my consent. Discover Denied the Dispute and refuses to refund the money, Without providing documentation proof. I have sent proof of what I texted in response to their text message system. They experienced a Technical Error which they admitted and then want to falsely accuse me.
Consumer complaint received 2023-08-06
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: EQUIFAX, INC. (PA)

I am writing this letter to dispute the following information on my credit report. I am writing to delete the following information on my credit file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make these charges to such accounts. I ask that these items that are inaccurate on all three reports be deleted from my credit file. I have enclosed copies of the Federal Trade Commission Identity Theft affidavit.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AL)

I mailed in my payment for XXXX around the first of the month. Comenity Bank never posted it & claims they never got it. I've done everything they've asked me to do and they still claim that I haven't provided them with proper documentation and they consider this grievance closed. They are charging me overdue fees every month. My bank, XXXX, gave me a photo copy of the front & back of the electronic check they sent showing the transmittal info that Comenity asked for yet they won't accept it. It shows the check was cashed on XX/XX/2023. A month after I mailed it to them! They held it till it was past the due date before cashing it & did not post it to my account. Today I received a form letter stating that this issue is now closed because I didn't provide them with their requested documentation. And I also got a bill from them for {$230.00}. The original bill was for {$190.00}. Every time I call Comenity I get a different agent. No-one knows what the other agents are telling me.
Consumer complaint received 2024-01-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Credova Holdings Inc (AZ)

I made deferred payment arrangement to reduce payments from {$190.00} to {$120.00}. I have paid as agreed but received a call earlier this week from someone from XXXX XXXX XXXX XXXX since I paid XXXX payment on XX/XX/2023 I didnt not fulfill agreement and the account was being sent to their collections department. 

I also requested that negative information reported to credit bureau be removed since I have paid XXXX  payments as agreed. I have not received a response nor has information been updated by Credova/XXXX  XXXX XXXX
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (CA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP (VA)

Subject : Complaint Regarding Opening a U.S. Bank Checking Account Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their considering the Checking Account ending in XXXX as an opened account of mine. 

I applied a U.S. Bank Checking Account ( ending in XXXX ) and the application was approved on XX/XX/2022. I didn't make a minimum opening deposit of {$25.00} and the Checking Account ending in XXXX should not be considered as " opened ''. However, U.S. Bank regards the Checking Account ending in XXXX as an opened account of mine. Therefore, I have a serious concern about the definition of " open an account '' because the term " open an account '' is not rigorously defined and clarified to consumers from the side of U.S. Bank. 

From an official U.S. Bank website ( see Attachment XXXX XXXX XXXX XXXX  ), footnote 11 in the Disclosures says " {$25.00} minimum deposit required to open a U.S. Bank consumer checking account ''.

On an official U.S. Bank webpage ( see Attachment 2, " What you need to open a checking account '', XXXX XXXX XXXX ), " a minimum opening deposit of {$25.00} to activate your account ( once youve been approved ) '' is listed as one of the requirements to open an account. In my point of view, an account can be considered as " opened '' only if the application of the account is approved and the account is activated with an opening deposit of {$25.00} or more. 

Another similar statement from an official U.S. Bank website ( see Attachment XXXX, XXXX XXXX XXXX ) says " open an account in minutes with a minimum balance of {$25.00} ''. 

Based on the statements shown on the official U.S. Bank website, an account can not be considered as " opened '' without a minimum balance of {$25.00} from the consumers ' perspective.

Moreover, I contacted one of the U.S. Bank agents, by which I was told that " since I had not made a {$25.00} initial deposit, my account ending in XXXX was not considered opened ''. If I was clearly told and explained by U.S. Bank agent or official U.S. Bank website that the approving of an application is considered as " opening an account '', I would never close the account ending in XXXX. 

To be concluded, the account ending in XXXX should not be considered as " opened '', therefore I didn't have a U.S. Bank consumer checking account in the last XXXX  months. I request that the U.S. Bank should not consider the account ending in XXXX as an opened account of mine.
Consumer complaint received 2024-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NC)

Resurgent receivables have {$2600.00} in collections but I dont know what its from or for. I have reached out to them to provide me a copy of the original contract with signature and a copy of the payment history. I have not received anything or heard anything back.
Consumer complaint received 2024-01-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Consumer Portfolio Services, Inc. (OK)

consumer portfolio services Took nonjudicial action to effect dispossession of my property. ( 15 USC 1692f 6 ) consumer portfolio services commited identity theft by disclosing my nonpublic personal information to a nonaffiliated third party without giving me the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and consumer portfolio services give an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

An individual that I know named XXXX XXXX  asked me on XX/XX/2023 if she could Send me some money on XXXX and if I could XXXX her the exact amount back. From that date until XX/XX/2023 this was done XXXX different times. Before I sent the money to her over XXXX I always made sure I had the money in my XXXX  first. She then on XX/XX/2023 had her bank issue a chargeback on all XXXX transactions at once. I believe her bank to be XXXX. The reason this is so ludicrous is because she already had the money that she sent to me on XXXX immediately sent back to her with XXXX. When she issued these XXXX chargebacks it illegally stole {$2700.00} dollars from me instantly. The XXXX is that XXXX XXXX lives in California and I dont know any more than that. XXXX XXXX was planning on trying to scam me as long as her bank did not investigate. Well they didn't! Had someone actually looked at these transactions they would have seen they were on XXXX. The problem is you CAN NOT send money on XXXX WITHOUT a XXXX digit pin number. Even if the bank thought that these were charges made with XXXX XXXX  ' XXXX debit card they still could not have been made WITHOUT the XXXX digit pin. I have pictures and text messages backing up everything i have written here. XXXX shears lied to her bank and all XXXX of these chargebacks are XXXX percent illegal. I have filed a police report where I live with the XXXX Police Department. The screenshot with the case number will be sent as a picture as well as all the transactions she reversed on my XXXX  and anything else i think is relevant. My XXXX account is $ flexbonemoney. This money was taken from my XXXX. I had {$2200.00} on my XXXX balance. All of that was taken and then left my XXXX $ XXXX in the negative. After that it billed my XXXX XXXX card on file for an additional {$550.00}. Although this trasaction happened through XXXX I talked to XXXX different people at XXXX. All of them told me the same thing. A bank issued this chargeback, and they had no choice but to refund the money. So the company at fault here is NOT XXXX. The Company at fault is THE BANK who did these XXXX illegal chargebacks. I believe XXXX of the screenshots I sent shows the sender 's Bank and says XXXX on it.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

1 ) Scheduled Bill Payer for Taxes for XXXX Delivery to XXXX XXXX - XXXX XXXX was mailed check to Payee 2 ) Funds of {$4700.00} removed from account on XXXX XX/XX/XXXX ) XXXX XXXX- Confirmed Funds not received by Bill payer 4 ) XXXX XXXX- I Sent a new direct e-payment to XXXX XXXX to avoid penalties 5 ) Spoke with Capital One customer service who confirmed a ) Bill Payer Check was stopped & b ) Will reimburse of funds in 3 days 6 ) 3 business days later - Capital one denied the claim 7 ) Capital One claimed they made no mistake - 8 ) Sent Capital one confirmation payee did not receive - XX/XX/XXXX XXXX ) Capital One declined the claim again - XXXX XX/XX/XXXX Capital One refuses to refund the money - XXXX XXXX
Consumer complaint received 2024-01-07
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: Resurgent Capital Services L.P. (VA)

The account with LVNV Funding is what XXXX keeps allowing to report on my credit file with them and through them while XXXX and XXXX has suspended reporting this creditor who purchases bad/old debt and harasses me for money. I've never done business with LVNV Funding nor do they have my permission to report on my credit files. I have been flagged for my XXXX XXXX XXXX XXXXXXXX due to this illegal act and breach of the Fair Debt Collections Practices Acts.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am submitting this complaint to Equifax. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, n item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. The Consumer reporting agencies are also in violations of ... 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Sates a consumer reporting agency can not furnish a account without my written instructions. 
CLOSED XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXXXXXX 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 I also have a FTC report that was submitted to Equifax and clearly disregarded. Please remove all inquiries and accounts listed Also, Equifax took more than 30 days to complete my investigation USPS Tracking XXXX
Consumer complaint received 2018-12-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

This is the second time I have complained about Navient charging me late fee when my payments are on time and even early. I have tried paying the late fees to end this bur they turn around and charge me more late fees. This appears to be their way of padding their income from borrowers. I even called to get what I owed to include " late fees '' and sent that amount, and I just got another letter from them claiming I have not paid my " late fees '' I have no idea how to put an end to this since paying the fee only gets me a new late charge. I never received a response from Navient on my first complaint so dealing with them is pointless.