davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
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. (TX)

These items are not transactions conducted by me as a consumer. 

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 name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX XXXXXXXX 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 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

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 Bankruptcy 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.

Also, I have submitted the inaccuracies from XXXX and XXXX
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX
Consumer complaint received 2024-07-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OK)

I WAS INFORMED BY CHIME BANK THAT MY SAVINGS ACCOUNT WAS CLOSED XX/XX/year> DUE TO IT 'NOT BEING IN COMPLIANCE WITH THEIR POLICY ' THEY INFORMED ME THAT THE BALANCE OF OVER XXXX USD WOULD BE TRANSFERRED TO MY CHECKING ACCOUNT. 

SHORTLY AFTER ON THE SAME DAY XX/XX/year> I RECEIVED AN EMAIL INFORMING ME THAT MY CHECKING ACCOUNT WAS CLOSED BY THE COMPANY THEY INFORMED ME THAT MY BALANCED WOULD BE SHIPPED TO MY ADDRESS IN 30 DAYS. 

ITS BEEN 6 MONTHS AND I HAVE STILL NOT RECEIVED MY MONEY IVE CALLED MULTIPLE TIMES TO BE TOLD THAT THEY COULD NOT HELP ME. 

I WANT MY REMAINING MONEY
Consumer complaint received 2023-04-14
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. (TX)

I am writing to report a serious issue involving several companies that I believe have violated 15 U.S. Code 1681a and 15 U.S. Code 1692k. The companies involved are as follows : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX 

15 U.S. Code 1681a : This code outlines the rules for credit reporting agencies and their obligation to maintain accurate and complete information about consumers in their credit reports. Violations of this code can occur if credit reporting agencies fail to maintain accurate and complete information, or if they fail to correct errors in a timely manner.

15 U.S. Code 1692k : This code outlines the rules for debt collectors and their obligation to treat consumers fairly and without harassment. Violations of this code can occur if debt collectors use abusive, deceptive, or unfair practices to collect debts, such as making false statements or threats, or contacting consumers at unreasonable times or in an unreasonable manner.

It is important to note that each of these codes has several subsections and specific requirements that must be followed. The violations can vary depending on the specific actions taken by the companies, but they generally involve actions that are prohibited by these codes.

These violations have caused me significant financial harm, including [ Describe the specific damages you have suffered as a result of the companies ' actions ].

Despite my attempts to resolve this issue with each of these companies, I have been unable to achieve a satisfactory resolution. I am now seeking the assistance of the CFPB to hold these companies accountable for their actions and to ensure that my rights as a consumer are protected.

Thank you for your time and attention to this matter.
Consumer complaint received 2019-07-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I submitted the court documents that show the case from XXXX XXXX was dismissed for improper billing practices ... .and still shows on my credit report ... .I sent the same info to XXXX   and XXXX and they removed the error ... .Equifax refuses to remove for some reason
Consumer complaint received 2023-05-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PINNACLE RECOVERY, INC. (FL)

This complaint is for Pinnalce Debt Collection in XXXX. I have tried to explain to them that I sold my timeshare to XXXX XXXX XXXX, a realtor in XXXX XXXX California. license # XXXX. After purchasing my XXXX XXXX timeshare, he has failed to make the maintenance fees. Because of his not paying the monthly payments, this debt collector is contacting me for payment. I had a sales contract and he paid me for the XXXX XXXX timeshare. That was three years ago XX/XX/2021! I just want this to be over! It's as though he has defaulted on his end of the contract. According to XXXX XXXX, he has never changed the ownership name from my name to his. Changing the name and assuming ownership was in our contract. I have contacted him many times about this. He keeps telling me he's working on it. After three plus years!? I have a hard time believing he is willing to loose the amount of money he has invested.
Consumer complaint received 2019-07-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: CITIBANK, N.A. (VA)

I signed up for an XXXX XXXX credit card on XX/XX/2019. I signed up prior to booking a flight that day after noticing an ad that offers {$250.00} off for flights purchases along with interest free payments within first 6 months. The card is managed or financed by Citigroup retailing services. After getting approved for the card, I purchased the flight that same day using the newly card for {$900.00}. About a month later, I noticed that the {$250.00} credit did not apply ; I called customer service, and I was told to wait a little longer since it had not been long enough. I called again on XX/XX/XXXX to inquire about the {$250.00} credit. To my surprise the customer service rep told me that the {$250.00} would not be applied to my card since I applied to the " fly now '' program and not another program. When I noticed the ad on XXXX XXXX, I simply clicked it, followed the prompt to sign up for the credit card and got approved almost immediately ( the whole process took about XXXX ). It did not specify a difference between a " fly now '' or a different program to receive that {$250.00} credit. Even the customer service rep I talked to agreed that it was malpractice and a misleading ad. She agreed to file a complaint for my case since that's all she could do on her end. Until almost 2 months after getting the card, I found out that I would not be receiving that credit. 

I wish to file a complaint against XXXX XXXX and/or Citi credit card for posting this misleading ad, or simply as I see it false advertising.
Consumer complaint received 2017-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MS)

Settled a   XXXX   XXXX   XXXX   account with  Diversified Consultants. Th ey agreed if I paired settlement offer this would no longer appear on my credit report. This debt was settled on   XXXX   XXXX   XXXX     and it 's still showing on my credit reports as a collection account. This is the only collection account that I have. I have a copy of the letter showing that the debt was settled. I wish that this debt will be removed from my report.
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My name is XXXX XXXX, and I want to report an incident of identity theft. Upon receiving a copy of my credit report, I was surprised to discover multiple accounts that I never opened and am unaware of. After conducting research, I learned that I need to file a report with the Federal Trade Commission or visit their website at https : //www.ftc.gov to remove these fraudulent accounts from my report. I have attached the necessary documents to assist in blocking the erroneous information posted to my report. I need the following items removed as soon as possible : 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 XXXX XXXXXX/XX/XXXX. According to Section 605B of the Fair Credit Reporting Act, Credit Reporting Agencies are required to remove any accounts listed on an ID Theft Report.
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation. Under FCRA 15 U.S. CODE 1681 B in case of liability of a natural person for obtaining a consumer report under false pretense or knowingly without a permissible purpose, actual damages sustained by the consumer as a result or {$1000.00} whichever is greater! 

ACCOUNTS XXXX XXXX Account # : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account # : XXXX INQUIRIES : XXXX XX/XX/20XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2023-01-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I was contacted by PORTFOLIO RECOVERY ASSOCIATES , LLC regarding a debt owed on a closed account. The company contacted my mother and husband regarding this matter in XX/XX/2022. I have repeatably asked this company to stop contacting me regarding this closed account.
Consumer complaint received 2022-11-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sunset Solutions Group, LLC (FL)

Beginning the week of XXXX XXXX XXXX a company calling itself Sunset Solutions -- caller identified herself as XXXX XXXX -- began contacting me and leaving voice messages stating that I had " multiple infractions under my name and social security number '' that they were handling, which I know not to be true, and " recommending '' that I settle the matter with them " before they take it to my local jurisdiction ''. This has gone on multiple times per day since then. On XXXX XXXX XXXX I called back at the number they left in their voice mail - XXXX and attempted to explain t that I had already checked with my local Clerk of Courts and didn't have any litigation, pending or otherwise, under my name and that I had also found numerous complaints and scam alerts under their own name. The respondent, XXXX XXXX herself, became extremely unprofessional and vulgar with me, instead of listening to what I had to say and trying to verify whatever bogus issue her company had and talking over me, saying " Why are you calling back, then? '' over and over again -- when I tried to inform her not to ever contact me again. Today this company left yet another voice message and I think I may have seen their spoofed XXXX number pop up on my mom 's phone too. Furthermore, as I stated earlier and tried to explain to them, I am not the first person they have tried to scam -- there are entire threads regarding their illicit activities here : https : XXXX and here : XXXX XXXX XXXX 

Here is the XXXX information for their website : XXXX XXXX XXXX Transcript of voice mail : Hello. This message is solely for XXXX XXXX. My name is XXXX XXXX. I'm with the compliance offices of the Sunset Solutions Group and the association sheets. We have been retained and are handling multiple infractions and violations under your name and Social Security number. If you wish to try and sell this matter before we seek any action in your local jurisdiction, I strongly suggest you press one to speak to a live agent. If you are currently represented by council, please have them give us a call on your behalf. You may also return our call at XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

My mortgage lender is trying to pull my Equifax report and when ever they go to pull it ( this has happened with multiple lenders ) they get an error message saying Inquiry information identified as fraudulent by consumer reports not available. Ive tried calling Equifax multiple time to get this fix they just give me no answer hang up or tell me it is t them when obviously it is since its happening with multiple lenders every lender can pull XXXX and XXXX but not Equifax
Consumer complaint received 2023-03-01
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, 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. Don't ignore my request this time to correct the following inaccurate items. 
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 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 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 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 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WA)

In XX/XX/XXXX  I purchased 4 guitar cases from XXXX on XXXX for {$230.00}. The vendor stated in their listing that 100 % customer satisfaction was guaranteed and that return shipping would be paid by the vendor. ( I have screen shots proving this and I provided them to CITI CARDS. ) When I asked to return the items, XXXX sent me to a webpage that provided me with four postage-paid return labels THAT WERE ALL EXACTLY THE SAME. I packed up the items, attached the labels, and brought them to the Post Office, where I was told that none of the labels had enough postage to return even one of the items. XXXX subsequently told me that the cost to return them was more than they were worth and offered to refund me {$5.00}. I could not find a way to contact XXXX, which I'm sure was their intention. So I contacted CITI CARDS ( in XXXX  ) which promises to protect its customers from fraud such as this. CITI refused my dispute. They have given various excuses for this at various times. They claimed I didn't prove that the vendor did not honor their promises, which is false. They also claimed that they could not refund my money because I didn't return the items! This is clearly a Catch 22 and it is THEIR fraudulent rule, which they could change. They have also claimed, recently, that there is nothing they can do because it has been so long. Lie. CITI is in cahoots with criminals on XXXX.
Consumer complaint received 2017-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have had a mortgage with XXXX XXXX XXXX  and due to illness & loss of employment income, I have gotten behind in mortgage payments and have applied for a Loan Modification. I submitted the package via fax on XX/XX/XXXX.  After some back & forth with phone calls, Capital One said they needed updated bank statements. These were then sent via fax within a couple days of the request on XX/XX/XXXX. I keep getting " Point of Contact '' calls & I remind them that I have submitted a full Loan Mod package and the documents they have requested. They then check their computer and agree that the docs were received and they would again send a message to the underwriter. The left hand does n't seem to know what the right hand is doing. <P/>I keep reminding them that there is still an active sale date listed by their Trustee and they keep saying, " oh, we know and we 're taking care of it ''. But when I check it still shows as active on XX/XX/XXXX which is definitely Dual Tracking. How can we be negotiating " in good faith '' if they still have an open sale date? <P/>I appreciate your attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-06-19
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. (WI)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 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
Consumer complaint received 2023-05-10
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. (AR)

When I reviewed my credit report, I discovered that the informations are 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 accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$94000.00} ; XXXX XXXX XXXXXXXX Balance : {$540.00} ; XXXX XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$3100.00}. 


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