davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
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: CL Holdings LLC (NJ)

Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ). The following account is in question : XXXX XXXX XXXX XXXX XXXX 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 Public Information Type of Business Personal Loan Companies - Line of Credit - Bank Line of Credit - Bank - Bank Credit Cards Personal Loan Companies Student Loans Bank Credit Cards Bank Credit Cards Student Loans Personal Loan Companies Miscellaneous Finance Student Loans Bank Credit Cards Bank Credit Cards Line of Credit - Bank I have reviewed my credit report , and it has come to my attention that the information pertaining to the above-mentioned account is erroneous and has a detrimental impact on my creditworthiness. I believe that my rights under the FCRA have been violated, and I am formally requesting an investigation and correction of this matter. The account in question has been inaccurately reported as mine. I suspect that my personal information may have been compromised and used fraudulently to open this account. I have not authorized any such account, and this is a clear case of identity theft. 
The credit reporting agency has not sufficiently verified the accuracy of this information before including it in my credit report, which is a violation of the FCRA.
Consumer complaint received 2022-12-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (PA)

This additional information against Ally Financial. Exposing the fraud theyve committed on my account. Ive attempted to satisfy the debt obligation numerous times. I have proof with in the photos. Ive sent in private money orders. etc. Theyve kept them sent me copies and said its not acceptable. XXXX sent another registered remittance coupon for settlement. However yet keep it! And sent copies back all my instruments with my wet ink signature on them. They kept and didnt credit the account. While telling me its unacceptable or flat just saying they received the instrument. And are not accepting it. Dishonor for years Ive had to stress and deal with this. Ive had enough and Id like justice for all of the years of stress and dishonor they continued to do. Theyve messed up my credit. 

Payments were made they reversed all of them! My car was in the status of release of title etc. Proof in the pictures! 

XXXX Had the account audited you can plainly see this car was paid off. 

XXXX Had an audit they dont even show the payments that were reversed. Plainly violating fed wire ACH laws by reversing payments. They took that out and sent the enclosed audit. XXXX payments not even on this XXXX audit they removed them. 

The account was finally closed and paid in full status XX/XX/XXXX. They then reopen it put it back on my credit report shown in the pictures. How is this not illegal!!!!??? Im quite sure Im not the only one going through it with this Fraud company. They are restricting my ability to live. I cant get a mortgage loan because of the credit history theyve put on my credit. All because they are crooks. Please help!! DONT DO ANY BUSINESS WITH ALLY FINANCIAL! YOUVE BEEN WARNED!
Consumer complaint received 2016-08-30
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (IL)

I encounter fraudulent activity on my account ending in XXXX. Now they are threatening to close my account on XX/XX/2016. But I ca n't make a deposit nor do I have a bank card, and I do n't want to put money into an account they have n't fix yet. if its fraud, I would like for them to post my credits. 
My current balance is $ -XXXX with US BANK
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act : 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 an account without my written instructions. 

On XX/XX/2022 I requested a copy of my written permission that I gave to each credit agency and they sent me a response stating that I have previously, disputed these items. That is NOT what I requested. According to the law above, each credit agency has violated my consumer rights by not being able to provide a copy of my written instructions.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (GA)

Company named " XXXX '' sent me an unsolicited Credit Card under my former married name. It was not cardstock, but regular plastic with chip, name, numbers and phone call sticker to activate. I do not want any unsolicited credit cards and especially do not want someone to take my mail and activate a credit card in my name.
Consumer complaint received 2023-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (TX)

I wrote XXXX XXXX a proof of validation letter on several occasions. XX/XX/2023, XX/XX/2023, and XX/XX/2023, in which they have responded to the XX/XX/XXXX letter stating that they performed an investigation and have already responded to my previous dispute ( completely untrue- I have noticed they don't bother stamping the certified return receipt slip to confirm receipt of the letter ) this is the first time that I have received any correspondence from XXXX XXXX ( if in fact it is XXXX XXXX who responded as their letter head has a different company name ) and they have failed to provide me with the information that I have requested. Nevertheless, according to the Fair Debt Collection Practices Act ( FDCPA ) debt collectors must provide validation of the debt if the consumer disputes it within 30 days of the initial debt collection notice. ( 15 U.S.C. 1692g. ) I disputed the debt for the following reasons. This is not my account ; the balance being reported is incorrect, this account does not belong to me. Per my request XXXX has not provided sufficient evidence that I owe this debt.
Consumer complaint received 2023-09-10
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. (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 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Well, 2 days ago from XXXX XX/XX/2022. 

I opened XXXX savings account from capital one, with an advertisement saying that I can withdraw money in the first 60 days without paying penalties fee. 

I noticed I put in the incorrect account number to transfer money from XXXX  XXXX XXXX to Capital One. 

XX/XX/2022. I called Capital to cancel the transaction. They told me that they can't cancel the transaction because it is pending- they told me that I can't close the account because the money is in process. On the same day when I created the XXXX account - It didn't show the option to change or cancel the transaction. 

On the same day, I called XXXX that I need to check my Withdraw Protection to be off because I set the wrong check account to Capital One I don't want to be charged for the wrong account. The lady from XXXX  XXXX XXXX told me that my account doesn't have to withdraw protection - Witch means I don't have to worry about the money being taken from my account. because it doesn't have withdraw Protection. 

On XX/XX/2022, I opened my XXXX  online - found a negative balance of XXXX XXXX because Capital one took money from an insufficient account. I called Capital one on the same day and there is a problem they took me money from the wrong account, and they told me that they can't do anything until the money is available. 

I spoke with XXXX  XXXX XXXX they told me that I have to wait until it finishes the hold processing. My question is why XXXX told me that they will decline any transaction for an insufficient account. 

Why did Capital one didnd cancel the transaction when I explained them? 

Please help me. 
Thank you, XXXX XXXX
Consumer complaint received 2023-09-09
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)

A collection account listed under XXXX in the amount of {$310.00} is currently on credit report. I have no knowledge of such debt owed. My dispute is based on the fact that I have never received a legally required debt validation notice as required by the Fair Debt Collection Practices Act ( FDCPA ) Section 809, 15 U.S.C. 1692g. The FDCPA mandates that within five days of the initial communication with a consumer regarding a debt, a debt collector must send a written notice that includes : The amount of the debt.

The name of the creditor to whom the debt is owed. 
A statement that the consumer has 30 days to dispute the debt 's validity in writing. 
A statement that, upon receiving a written dispute, the debt collector will obtain and provide verification of the debt. 
A statement that, if the consumer requests the name and address of the original creditor, the debt collector will provide that information upon request. 

I wish to inform you that I have not received such a debt validation notice via mail or electronically from the collection company or any other entity. As a consumer, I have the right to request and receive this information to verify the validity of the debt in question.
Consumer complaint received 2022-12-06
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. (OH)

I have not provided any written instructions to allow any Consumer Reporting Agency ; XXXX, XXXX, or Experian, to release my consumer report and according to 15 U.S. Code 1681b this is a direct violation of the law and falls under the category of 15 U.S. Code 1681c1.

I request that the information be removed from my credit report for the following accounts and amounts listed below based on the Codes afore mentioned. 

XXXX : XXXX XXXX reporting a Collection whom I never had any account with is reporting an amount of {$1100.00} debt was discharged by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX reporting ( 2 ) late payments XXXX reporting without my consent EXPERIAN : XXXX XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXXXXXX XXXX XXXXXXXX Account number XXXX Closed XX/XX/XXXX still reporting without my consent. 

XXXX XXXX XXXX Account number XXXX. Close Account still reporting without my consent. 

XXXX XXXX XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX Still reporting without my consent. 

XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX Account number XXXX XXXX without my consent. 

My address information is incorrect and should only show XXXXXXXX XXXX XXXX XXXX Ohio XXXX any other address needs to be removed.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

*This is an update of my last complaint. 

Delete Hard Inquiries from Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2022-12-06
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. (NY)

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 : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 instructons 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 vears.

15 U.S.C. 1681s-2 ( AX1 ) 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 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I've had the credit bureau accounts frozen for years. 
XX/XX/23 I applied for a loan. I was told I needed to unfreeze my account with Experian ( as I expected ) Issue # 1. I was able to access Experian to the extent their automated system told me my account is unfrozen. This contradicts what the loan company told me. It should have been frozen as I had not unfrozen it. 
Issue # 2. Experian evidently replaced their PIN system so the PIN I had used in the past didn't work. I tried 15 times to enter different user names to create an account. Every time I got to the 6th letter it told me that user name was already taken. Therefore, I couldn't create an account to verify whether my account is frozen as the loan company told me or unfrozen as Experian 's automated system told me. 
Issue # 3. I repeatedly tried maneuvering through Experian 's automated system trying to find a way to talk to a person. Every path I chose resulted in the system telling me my issue didn't meet the criteria to talk to a person.
Consumer complaint received 2023-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I requested that two items needed to have a stop pay because they were redundant and I had already paid them or scheduled a payment. I specifically stated I wasn't disputing the charges and that the companies weren't at fault. The Citibank Dispute representative didn't understand that and had a very poor understanding of how her bank works along with poor English skills. 

Citi sent me forms to fill out to pursue the " disputes ''. I never filled out these forms and decided it was easier to leave the charges as they stood. 

Two days later I couldn't log into my account and was directed to a number. I called the number and the man who answered stated he called me. I never received a call from Citibank. I don't recall ever receiving a call from Citibank, ever. 

I was run around in circles for two hours to finally get the information that my account was locked due to fraud. There was no fraud. I specifically claimed that I was responsible for the issues I was trying to get rectified. I couldn't get anyone to listen. What kind of global bank  operates this way? 

I was then yelled at because I had ACH deposits that I needed access to. No one would give me an intelligent answer. I was then informed by the fraud department that any transactions received would be returned including ACH deposits. This was completely false-they had made it up and lied about it. 

The lock-out happened on Weds XX/XX/. A social security ACH deposit was accepted by Citi on Friday, XX/XX/. I need access to these funds. Citibank refuses to release them. 

I have been yelled at, consistently fed false information, and treated unprofessionally. I need those funds released, not in 60 days but now. What kind of bank employs people who have no business interacting with their clients.
Consumer complaint received 2017-12-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northland Group Inc (NY)

Almost everyday few phone calls looking for someone I do not know. I have never deal with this company, i had no busniss with them, and they call looking for someone else. I have the same phone number for about XXXX years.I Asked them to remove my number from the system several times. But the harassment never stopped
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-09
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. (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 USC 1681. 

XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-09
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. (CA)

A collection account listed under XXXX in the amount of {$310.00} is currently on credit report. I have no knowledge of such debt owed. My dispute is based on the fact that I have never received a legally required debt validation notice as required by the Fair Debt Collection Practices Act ( FDCPA ) Section 809, 15 U.S.C. 1692g. The FDCPA mandates that within five days of the initial communication with a consumer regarding a debt, a debt collector must send a written notice that includes : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A statement that the consumer has 30 days to dispute the debt 's validity in writing. 
A statement that, upon receiving a written dispute, the debt collector will obtain and provide verification of the debt. 
A statement that, if the consumer requests the name and address of the original creditor, the debt collector will provide that information upon request. 

I wish to inform you that I have not received such a debt validation notice via mail or electronically from the collection company or any other entity. As a consumer, I have the right to request and receive this information to verify the validity of the debt in question.