davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$14000.00}
Consumer complaint received 2023-04-26
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. (FL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  XXXX. 
Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. there is some inaccurate information reporting. 
XXXX SELF-REPORTED Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX SELF-REPORTED Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-01-12
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Bridgecrest Acceptance Corporation (SC)

My name is XXXX XXXX, I have an issue and I need assistance. I purchased a car from XXXX in XXXX of XXXX and they failed to disclosed to me the car was apart of a nation wide class action lawsuit. They lied and told me the car had no recalls. And they car started to mess up ( XXXX ). I was told they wouldnt fix it. The car stop in traffic three times, the clutch switch gears. The car then decided it wants to over heat and almost catch fire. Its a XXXX XXXX XXXX. I contacted XXXX XXXX and XXXX and offered to fix the car, I then had it repaired the car started doing the exact thing XXXX miles later and is not drivable. Then upon looking at the documents that was provided to me when the car was dropped off, my signature was digital forged, no knowing it can accept however, avoided under certain circumstances. The only documents I signed was the release of the car upon delivery. I started an out of court process settlement it begins in a two weeks ; me vs XXXX XXXX XXXX. I am facing a lot of financial difficulties because the car isnt working. I than tried to take it back to XXXX for service they denied towing when there website offers it for free and than was told they cant service the car til XX/XX/XXXX, if I can get it to the dealership.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

Dear Consumer Financial Protection Bureau, I am formally filing a complaint against Atlantic Union Bank due to their repeated failure to communicate mandatory overdraft policies and the ineffective resolution of my online banking matter. This complaint is directed to the CFPB for immediate intervention and resolution. 

Despite my explicit refusal of overdraft services upon opening my account, Atlantic Union Bank neglected to disclose their mandatory overdraft policy, leading to severe financial consequences. However, equally distressing is their inefficacy in resolving my online banking setup. Despite multiple visits to different bank locations, I was continually met with the absence of managerial presence, resulting in wasted time, effort, and resources. A month later, I am still being inconvenienced and asked to return to reapply for account setup due to the bank 's failure to properly guide the process. 

Moreover, the banks consistent failure to inform me, at any point during my visits, about the mandatory nature of their overdraft policy is a significant breach of trust. This repeated lack of transparency may potentially infringe upon consumer protection laws, particularly within the state of Virginia. Under Virginias consumer laws, financial institutions are mandated to ensure clear and transparent communication regarding the terms and conditions of services provided, especially those involving financial liabilities. 

This is not the first occurrence where Atlantic Union Bank has displayed negligence in providing essential information to its customers. Additionally, their ineffective resolution in the matter of my online banking further perpetuates a concerning environment of misunderstanding and potential legal discrepancies. 

I am urging the CFPB to conduct a comprehensive investigation into these repeated and concerning issues, enforce corrective actions, and ensure the immediate refund of all unjust overdraft fees imposed on my account. The charges, totaling between $ XXXX, are unwarranted and unjust given the bank 's repeated failure to communicate their mandatory overdraft policy and resolve my online banking matter effectively. 

I seek not only the reimbursement of incurred fees but also a firm commitment from Atlantic Union Bank to significantly improve their policy transparency and effectively address customer concerns, in accordance with Virginias consumer laws. 

Sincerely
Consumer complaint received 2023-04-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PACIFIC CAPITAL EXCHANGE (AZ)

I get a call from XXXX XXXX to call oakdale portfolio management something about paperwork for me to sign. That never came it was supposed to come between XXXX today. This company dont know XXXX XXXX XXXX but he sure knew them he calls from private number. He gives number to call XXXX XXXX the other number to oak dale is XXXX ( XXXX ) XXXX. I spoke to XXXX with oakdale today he was rude and antagonistic and aggressive. I hung up on him at first to call original creditor lendly and then got referred to XXXX XXXX they referred me to oakdale. Well I call XXXX back after verifying that. He asks about notices sent to me dont recall anything by mail, and he dont know nothing of this XXXX server no show guy but XXXX sure knows them. XXXX demanded immediate payment by debit card and he would send paperwork to stop next step in process what that is they dont know maybe wage garnishment anything really depending on law. With out immediate debit card and signature on some e docs right that second they will consider me not willing to resolve the account ( despite me telling them I was busy and couldnt get them that info right that second ). I think I received something from united maybe but not this oakdale place. Oakdale wouldnt send me payment plan paperwork with out debit card up front. They asked who I bank with same bank as when I got the lendly account XXXX snarked back thats surprising. Also according to XXXX if I kept track with my creditor or something like that this wouldnt happen ( after i informed about seeing if it was a scam ). XXXX was upset and loud and nasty and sounded mad about me hanging up on him earlier to check to see if this was legit he kept being obnoxious repeatedly oh its not a scam we got your info ( ya scammers can get that ). I told them because they didnt want to give much info. Kept demanding immediate payment and signature on e docs after getting my debit card first that maybe I should look at a lawyer or file complaint with ftc he hollered what lawyer I said maybe Ill look at getting one or filing with ftc he immediately disconnected. 


XXXX number ( XXXX ) XXXX XXXX portfolio number XXXX The number to XXXX and the oakdale office is in report.
Consumer complaint received 2023-09-29
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: Collections Acquisition Company, Inc. (NC)

After reviewing my credit profile on XX/XX/2023| identified a discrepancy with account listed under PAYLIANCE and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXXand the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have some accounts on my file that are not accurate. I do not have any balances or business with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE FILED A COMPLIANT WITH CFPB and the FTC.
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (OK)

On XX/XX/2023, XXXX XXXX XXXX attempted to charge my XXXX XXXX  account XXXX which I should have just been charged {$26.00} because I am on the affordable connectivity program ( they charged me the amount of {$26.00} on XX/XX/2023 ). So they ended up charging me the XXXX AND XXXX which I disputed the XXXX on XX/XX/2023. A XXXX of XXXX was credited to me on XX/XX/2023 and was finalized on XX/XX/2023 through XXXX XXXX  XXXX Today, XX/XX/2023, I was sent a debt collector letter from TRS RECOVERY SERVICES of XXXX which I do not owe and will not pay.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

I have a checking account on Chase, and on the day of XX/XX/, I checked my account received an alert saying my accounts will be closed shortly. And I immediately called the customer service, the agent said I will receive my check within 10 business days of my account closure. But today XXXX XXXX, XXXX, I called Chase customer service again to confirm when will I receive my funds, the agent says she couldnt confirm when can I receive it, the funds is on hold for authorize but didnt ask me for any proof. I would need it for normal living and paying the rent and paying the credit card. I understand Chase decided to close my account, but why couldnt I having my money back while its only about XXXX from my employers direct deposit and my personal used items sales also currency exchange. I need to pay the debt I have and my rent and my credit card or my credit would also be affected. I saved these funds in last 3 years since I started working.
Consumer complaint received 2023-09-26
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 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 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK (TX)

15 U.S. 1681C-2 A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONCUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THATRESULTED FROM AN ALLEGED IDENTITY HEFT, NOT LATER THAN 4 NUSINESS DAYS AFTER THE DATE OF RECEIPT. IT HAS BEEN 30 DAYS AND YOU ARE IN VIOLATION OF THIS LAW BECAUSE I AM A VICTIM OF IDENTITY THEFT!!! PLEASE DELETE THESE ITEMS IMMEDIATELY. THESE ACCOUNTS SHOULD NOT BE FURNISHED ON MY CONSUMER REPORT AS THEY ARE IN VIOLATION!!! UNDER, 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS { A } IN GENERAL SUBJECT TO SUBSECTION C ANY CONCUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER. 2 IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER TO WHOM IT RELATES. I NEVER GAVE ANY CONSUMER REPORTING AGENCY WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. AS A CONSUMER I AM DEMANDING THE DELETION OF THE ACCOUNT LISTED IMMEDIATELY.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I paid off my card and they closed my account. i also paid off my upstart loan and they sent it to collections which I paid off, in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 16 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 payment on a credit card account under an open end consumer credit as late for any purpose
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I have reached out to equifax, XXXX, and XXXX  regarding my concerns about all the information on my credit report that is inconsistent and not 100 % accurate in compliance with the fair credit reporting act. The following accounts above have inconsistencies that need to be deleted immediately. In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX date of last activity is inconsistent.XXXX XXXX  XXXX. Date reported not consistent. XXXX  XXXX date last active is incorrect please remove. XXXX XXXX XXXX XXXXXXXX high balance inconsistent. Remove. XXXX XXXX XXXX XXXX. The account numbers are not consistent. XXXX XXXX date of last activity the dates are not same on all reports.XXXX XXXX XXXX balance owed is different on all the reports. XXXX XXXX XXXX. High balance is inconsistent. XXXX XXXX XXXXXXXX high balance is different. XXXX XXXX XXXX date reported is not accurate. XXXX XXXX hight is not accurate on all reports.XXXX XXXX XXXX date reported is inconsistent. XXXX XXXX XXXX high balance is inconsistent. XXXX XXXX XXXX high balance is inconsistentXXXX XXXX XXXXXXXX XXXX XXXX last verified dates are inconsistent. XXXX self-reported XXXX date reported the dates are inconsistent. XXXX XXXX XXXX XXXX high balance is not 100 accurate. XXXX XXXX XXXX high balance is inconsistenXXXX XXXX XXXX XXXX  date opened is not is wrong. XXXX  XXXX last verified is inconsistent. XXXX self-reported XXXX. Account number inconsistent. XXXX self-reported XXXX the account number is inconsistent on all reports. XXXX self XXXX high balance is inconsistent. XXXX XXXX XXXX account number is inconsistent. Hight balance is not accurate.XXXX XXXX XXXX  XXXX reference number is incorrect and other information is not correct and contacted the court and they dont report the credit agency. I did not give permission. XXXX XXXX bankruptcy closing date and other information on report is incorrect and inconsistent please delete. XXXX XXXX bankruptcy all information is inconsistent and not 100 percent accurate according to the fair credit reporting act. Please remove. 15 u.s.c 1681 section 602 a states I have the right to privacy.

15u.s.c 1681 section 604 a also states a consumer reporting agency can not furnish a account without my written consent. Please remove all inaccurate information
Consumer complaint received 2023-12-07
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-22
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. (OH)

On XX/XX/2024 i sent in a dispute letting XXXX, XXXX, and Equifax know that they are reporting the wrong balance on my credit report regarding the account : XXXX XXXX currently on my report. Pursuant to 15 USC 1681 : ( 1 ) The banking system is dependent upon fair and ACCURATE credit reporting. I spoke to a representative named XXXX over the phone to have the Dispute expedited and he assured me they would review my information with in XXXX XXXX hours. Not even XXXX mins later i receive an email saying my dispute has been completed. Yet again the same incorrect balance still reported. I then went ahead and let the company XXXX XXXX XXXX which is the creditor reporting the XXXX account know that the balance they are furnishing to the XXXX XXXX agencies is incorrect and needs to be updated immediately and i also sent the company a cease and desist letter to stop the collection efforts for a debt that had already been satisfied. The company responded back to me on XX/XX/2024 stating that they will no longer report mis information regarding the account in accordance with 16 CFR 313.4 because i am entitled to financial privacy. I then let the XXXX credit reporting agencies know the company XXXX has complied with my request and that the correct balance needs to be updated as paid off as agreed and requested that the balance be disputed again for the XXXX time. XXXX opened up a dispute and within XXXX hours the balance was still the same reporting negatively on my report. I called all XXXX agencies again to try and resolve this issue on XX/XX/2024 once again and opened a XXXX dispute with the company and even providing proof of the XXXX copy filed on my tax return showing that this debt has already been paid off. Pursuant to 16 CFR 433.2 on my Retail Installment Agreement : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. This has been grueling process and has taken a huge toll on my mental health. If the balance on this account is not reported correctly as closed : Paid XXXX  as agreed, i will be pursuing legal action in federal court for willful negligence of reporting false information under the Fair Credit Reporting Act and as well as getting the Internal Revenue Service XXXX XXXX XXXX XXXX Involved with this case.