davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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: TRUIST FINANCIAL CORPORATION (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-04
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MN)

On the XX/XX/XXXX  Ive went to Chase Branch ATM to make a withdrawal of {$660.00} which the ATM machine was failed to dispense my money but took my funds out of my account. first attempt the transaction was denied which is unexpected because Id have enough amount to for ATM to dispense, Ive tried again on the second attempt the transaction also denied Ive went back right into my bank app to check whats going on, I have noticed the transaction has took the following funds out of my account pending of {$660.00} which is what I was trying to withdraw but it didnt dispense any following Cash Ive went inside the branch spoke to the one of the clerks also notified about the incident I was insisted to call the Chase dispute and I will be getting refunded with the funds that was withdrawn from account. Ive called and filed the claim on the same day that had happened I was promised I will be getting my funds back at the end of the same day or at least by Saturday which has not yet posted on my account. I am demanding for my funds to be refunded as soon as possible I have important things that I was trying to do with the funds now Im no longer have access because Chase is fraudulent holding my money.
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

My understanding is that FCRA XXXX necessitates us to remove any incorrect accounts from my credit report. Would you be willing to review the documents? It seems that several listed accounts are inaccurate, and it's making me feel uneasy. 
Please remove the inaccurate accounts being reported on my credit file.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, 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. (NJ)

I have inquiries without my approval. From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-15
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. (PA)

I am writing this to file a formal complaint regarding the closure of an account that was furnished on my consumer report without my written or oral consent. The closed account I am referring to is the Account Details : Creditor : XXXX XXXX  Account Number : XXXX Date Closed : XX/XX/XXXX Current Status : CLOSED Balance : {$0.00} Date XXXX I believe that this has been carried out in a manner that is unjust and without proper communication. I had reached out to these reporting agencies on XX/XX/XXXX of XXXX in regard to this closed account. The response i have obtained was that this account has came back verified and accurate but never sent out Documation on how they verified this information and who did they get this information from. They never did a proper investigation consumer report. The closure of that account has caused me significant inconvenience and disruption.
Consumer complaint received 2024-03-11
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: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-08-15
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. (SC)

This account XXXX XXXX XXXX is reporting to my credit report as Account charged off, written off. This is considered canceled debt, this is considered ordinary income by the IRS, this is an inaccurate account that is furnished on my credit report, the company filed it on their taxes and also reported it on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so that I could file this as ordinary income. I haven't received the form. They are in violation of law 15 U.S.C sec. 1681e ( b ). This account has to be deleted as this company and the credit bureau is in violation. 

Also, I've ask that the original contract between me and this company be presented, I still haven't received that information. Credit bureau states they have verified the information to be accurate and true. I would like to see the information that was presented to verify this account. If this account can not be properly and accurately verified, then this account needs to be deleted from my credit report.
Consumer complaint received 2023-02-16
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX 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 2023-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Im here asking you for the love of God to help me solve this problem with the Bank of America ..... 

On XX/XX/2022 I contacted XXXX XXXX XXXXXXXX complaining about a fraud in my account... I saw them withdraw in a day almost {$1000.00}... when I went to take a look at my account to realize that XXXX was withdrawing money from my account for more than a year. I contacted the bank to open claim, they said they were going to investigate .... 

And they will ask me to contact XXXX ... .I contacted XXXX and XXXX will review my phone and saw that it was fraud ... I called the bank again and they will send I wait 45 days to investigate... well the 45 days have passed and they will not call me and did not send any letters and simply closed the case... 

I called the bank again, they simply said they closed the case for spending a lot of time I spoke to the attendant that XXXX spoke That it was fraud... they will tell me to go to the bank and sign a paper. I got there, there was no paper and the person who answered me called them And he explained everything again and the attendant asked me to go to the police station to open report I did everything they ask to me They will ask, I sent everything copie report And they will send I wait 30 days I waited I called again and they couldnt find the documents I sent and whenever I called I never found my case even with the claim number I asked about the fax I sent... I didnt have an answer and in the end the boy who answered me simply said that there is nothing else to be done .... Because I entered my account several times and because I didnt see the transactions .... So I explained why it is a Businesses account and that it entered several charges and entered money that my life is very busy because I have XXXX children .... Im single mother Bank of America will close the case Even though I said that XXXX said it was fraud For not speaking English Theyll think I wont run after my money Please help me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you need, Ill send you everything from each sheet of this Bank of America
Consumer complaint received 2024-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (CA)

My name is XXXX XXXX XXXX XXXX ss # XXXX D.O.B.XX/XX/XXXX Address XXXX XXXX XXXX  XXXX XXXX ca XXXX ( I attached proof of address as well ) Account name XXXX XXXX XXXX ACCOUNT # : XXXX I have sent a dispute XX/XX/year> stating this collections must be deleted and removed Company above responded that they sent a validation notice to me and the United States post office indicated that it was delivered. This statement is not accurate when I have never received validation notice and the company has not attached the validation notice in their response THIS IS MESLEADING and FALSE REPRESENTATION 15 U.S. Code 1692e - False or misleading representations I also requested an ORIGINAL PURCHASE AGREEMENT in which I never received in an email fax or mail So this account must be immediately deleted and removed Due to NO DEBT VALIDATION!

15 U.S. Code 1692g - Validation of debts Also company CONTRACT CALLERS INC never showed proof of a real investigation. No procedures in case of disputed accuracy! there is no investigation being done by company delete this collection asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code 15 U.S. Code 1692 - Congressional findings and declaration of purpose
Consumer complaint received 2023-08-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to file a formal dispute with the Consumer Financial Protection Bureau regarding a series of violations I have encountered under the Fair Credit Reporting Act ( FCRA ). These violations pertain to unauthorized inquiries, inaccurately reported accounts, and the overall integrity of my credit report. 

As a law-abiding citizen, I take my financial responsibilities seriously and strive to maintain a good credit standing. Unfortunately, the recent incidents involving unauthorized inquiries and unverified accounts have deeply impacted my financial stability and emotional well-being. 

The unauthorized inquiry by XXXX on XX/XX/XXXX, as well as the unauthorized inquiry by XXXX XXXX on XX/XX/XXXX, have caused significant distress. I have no recollection of authorizing these credit pulls, which raises concerns about the security of my personal information and the respect for my consent. 

Moreover, I have discovered several inaccuracies and questionable accounts on my credit report, including the following : XXXX XXXX  - Account Number : XXXX XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX - Account Number : XXXX These accounts are either unrecognizable to me or have unclear information associated with them. The lack of accurate reporting has not only damaged my creditworthiness but also caused unwarranted stress and frustration. I firmly believe that these violations not only undermine my financial stability but also violate my rights as a consumer. 

[ Share your personal story here. Describe how the unauthorized inquiries and inaccurate accounts have impacted your life emotionally, financially, and potentially even socially. Be specific and share details to create an emotional connection. ] Given these violations, I kindly request the Consumer Financial Protection Bureau to enforce the legal protections afforded to me under the Fair Credit Reporting Act. I am seeking a resolution that ensures the removal of these unauthorized inquiries and unverified accounts from my credit report. 

I implore you to take swift and decisive action in this matter to rectify the violations and restore the integrity of my credit report. I am committed to responsible financial behavior and deserve the peace of mind that comes with accurate and truthful credit reporting. 

Thank you for your attention to this serious matter. I trust that the Consumer Financial Protection Bureau will act in the best interest of consumers and uphold the principles of fairness and justice. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-05
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

Khols Department XXXX has been placed on my credit report. This is not my account, Im a Victim of Identify Theft and I have contacted all three credit bureau and experian and XXXX still is reporting this items on credit report.n accordance with the fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXrtment 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. 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 artedates the report by more than XXXXeven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/XXXX  I attempted to open an online CD with Citizen 's Access. I lost the online connection so I assumed the transaction did not go through. I repeated the process and was able to complete the transfer successfully. I did not realize that both transactions were processed and Citizens opened two CDs each in the amount of {$6000.00}. for a total of {$12000.00}. The money was transferred from my account at XXXX XXXX XXXX XXXXk and caused me to be overdrawn. On XX/XX/XXXX  when I checked my bank balance and realized that I was overdrawn, I called Citizens. They said that they would reverse the transfer and close one of the CDs, acknowledging that it was a mistake. At that time, they gave me a case # XXXX and told me that one CD would be cancelled without a penalty. I have called on three other occasions since then because they have yet to close the CD and transfer the money back to my account at XXXX XXXX XXXX XXXX. They informed me that my request was denied and that I would have to pay an early withdrawal penalty fee of {$72.00}. Meanwhile, I can not pay my bills because I'm overdrawn.
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (WA)

XXXX Radius XXXX sent me an email correspondence regarding a debt that is not mine from XXXX XXXX XXXX and basically XXXX XXXX XXXXXXXX XXXX and saying they would like to settle with me for a couple of XXXX dollars {$240.00} debt total was {$600.00}. I sent an email correspondence letting them know the debt is not mine and called them. When I called they said the fraud department was busy and would call me back in XXXX hour which I know isnt happening because its a scam. I did verify last XXXX digits of my social security and as soon as I said the last XXXX numbers the representative says oh its not you but they will call me back. I got scammed like this XXXX  years ago and XXXX not and dont want to go through it again.
Consumer complaint received 2021-03-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (NY)

Please help me. My employer informed me today that they received an EMAIL from an attorney 's office for a judgement creditor named Midland Funding, LLC. In the letter, was my complete social security number that ( by way of that email ) went to several persons within my company. 

I am completely embarrassed that this went to several persons in upper management and I feel that his has caused harm to my reputation. I did read about the Fair Debt Collections Act and I feel that my rights have been violated. in that first ; they sent this to my employer, second ; they released my entire social security number to many individuals and third ; they have tarnished my reputation with a company that I have been employed with for 23 years. 
I have attached the letter that was emailed to my employer, but I hid my SS #. 
What recourse do I have? 

Thank you, XXXX XXXX
Consumer complaint received 2023-05-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Credit bureau has not removed fraudulent information indicated from my credit report. They have received all necessary documentation. It is illegal for them to leave fraudulent information on my credit report while they claim to investigate. 
I have alerted the credit bureau that I am a victim of identity theft. They have failed to delete the accounts that are fraudulent. I have sent them ALL requested documentation and proof of identity. There are accounts that have been closed with the creditors that are also still reporting. I will include them below. 
XXXX XXXX XXXX -account XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX they are also reporting late payments on an account - XXXX  XXXX XXXX - said account has been paid IN FULL every month.
Consumer complaint received 2022-12-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (AL)

well me and family took XXXX  with the XXXX  and didnt get paid in the process. well i called wells fargo to work out the pass do payment which was a month pass do. and while talking to them i was making a half payment in the process to catch up. after about XXXX days of the agreement of working things out to put me back to normal payments they came and got my car.