davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

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, Account number : XXXX Account name : DISCOVER BANK, Account number XXXX Account name : XXXX XXXX XXXX XXXX, Account number XXXX Account name : XXXX XXXX XXXX XXXX, Account number 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 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 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Consumer complaint received 2023-07-15
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. (TX)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$540.00} XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}
Consumer complaint received 2022-09-09
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. (GA)

All of the listed accounts below were opened fraudulently without my consent and it is against consumer law to report fraudulent accounts. 

Experian XXXX Accounts XXXX XXXX XXXX  Acct # XXXX
Consumer complaint received 2024-03-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I received the Satisfaction of Mortgage and Truist Bank informed that there was an overpayment of {$25000.00} that will be deposited in my Truist personal account ending in XXXX between 2-3 business days. 

I have called several times and they kept telling that XXXX XXXX. will be transferring those funds but it has passed almost 40 days without results yet. Today, they asked me to submit copies of Insurance policies for my property and that they will be giving me an answer this afternoon but it is almost XXXX XXXX and they didn't call back. 

I don't understand at this time, which is the reason to hold my refund that long and .I need the money to comply with urgent payments. 

My Truist Heloc Account Number is XXXX and WAS already paid off since XX/XX/XXXX.
Consumer complaint received 2023-06-15
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. (NY)

I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

CapitalOne Bill Pay is set up so that when the check is cut by the bank the money is automatically debited from the checking account. ( Please note, this is not an electronic transfer- Capital One cut a check and mailed it ). In other words, the bank does not wait until the check is actually cashed to debit the account. As a result, when viewing one 's account on-line, the account holder sees that money has left the account, but has no way to verify that the check has actually been received or cashed. 

On XX/XX/24, I processed a bill-pay request through Capital One to pay XXXX 's {$68.00}. On that date, Capital One debited my account for the amount requested and supposedly mailed a check to XXXX 's ( although the bank was unable to provide me a copy of the check or an exact date on which it was mailed ). On XX/XX/24, I was contacted by XXXX 's who stated that my payment was late. Again, my bank statement showed that the {$68.00} was debited from my account, however XXXX 's never received the check. As a result of Capital One 's policy of debiting accounts PRIOR to checks actually being cashed, I had now way of confirming whether or not XXXX XXXX had received payment until the payment was deemed late. And as a result of that, I incurred a {$32.00} late fee and am a past-due customer, which may impact my credit score in the future.

Capital One 's bill-pay service policy of debiting account prior to check 's actually being cashed is flawed. First the company is potentially using my funds for a float period ( time that it isn't earning interest by staying in my account ). Second, had the merchant not contacted me about not receiving payment ( in over 30-days ), I'm not sure when/if Capital One would have deposited the money back into my account. The bank did return the funds to my account when I requested they do so on XX/XX/24. 

While I've verbally been told by Capital One 's customer service representative that the bank will cover the late fees and interest, my claims against the bank were denied, as they stated in writing that the check was sent in accordance with the mailing instructions. I'm not challenging that the check was sent ( although Cap One could not provide me with proof it was mailed or the date it was actually mailed ). My complaint/concern is that Capital One debited my account prior to the check actually being cashed. As a result of this process, it is impossible for the account holder to confirm when or if a check mailed by Cap One 's bill pay, has actually cashed. In addition to the financial harm this process may cause ( with late fees/interest ), it also may impact the account holders credit score.
Consumer complaint received 2023-06-15
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. (MO)

I am requesting regarding this issue that had never resolve by the credit bureaus, and for this, I am complaining these incorrect information on my credit file that containing some fraudulent items. I am not satisfied with the performance of the credit bureaus in deleting some of these inaccurate items and there are some that are still on my credit report. These inaccurate information are really affected my credit score. I really believe that these items are fraud and I don't want to be a victim of identity theft. Remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX date open inaccuracy with all 3 credit bureaus {$1000.00} - original creditor XXXX XXXX I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX XX/XX/21 $ XXXX original creditor XXXX XXXX I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX Collections closed due to inaccuracy but needs to be deleted. See attached credit bureau response after re-investigation. I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

Credit bureaus are to report 100 % accurate information by law, the above companies were asked to investigate and provide proof of accuracy of these alleged accounts by item of signed contract, note, or instrument showing the accuracy of these accounts and they have failed to do so. These accounts are negatively affecting my credit profile and leaving me under distress.
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-12-26
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (MD)

Hello- XXXX and hopefully last complaint in XXXX. 
XXXX XXXX gift card issue-so this all happened XX/XX/XXXX XXXX & I am writing this just before XXXXXXXX XXXX XXXX XXXX ... As a test I purchased a XXXX XXXX XXXX from XXXX very popular item. My intent was to link it to my XXXX. It seems Im not able to This is just background as I accept it can not be done. 
So now I want my cash back so I look to sell it knowing I may take. A loss. 

Now for the interesting issue/complaint I go to a website called : XXXX  I register and fill in the form and right away the site takes the {$500.00} in my XXXX XXXX XXXXXXXX XXXX and states I have a BALANCE of $ XXXXXXXX XXXX {$75.00} right off the total. Could not help but laugh. I guess I SOLD my gift card.
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2018-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NJ)

I sent a registered letter on about XX/XX/2018 to the company, to validate the debt and send me a copy of the validation of the debt with the company which they did not do.
Consumer complaint received 2018-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (FL)

Two years ago Chase closed my business account because we are minority owned and we deal mostly with minorities. To make matters worse, they held cleared funds for several months and did not tell me about stop payments that customers had made and cost my business thousands of dollars in lost customers. When I filed a complaint with CFPB Chase sent a certified letter to my house telling me never to go into one of their branches or it would be considered trespassing. 
Today in my mailbox I got a flyer offering me {$300.00} if I would go to the branch at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL and open a business account. This flyer came from XXXX. XXXX XXXX in XXXX XXXX, TX. The code XXXX is printed on the front of the " Special Invitation ''. 
IF I am not permitted to go to a branch, why are the thugs at Chase terrorizing me by sending literature to my house? To make matters worse, I do not conduct any business out of my house and I certainly would never give XXXX XXXX like Chase permission to contact me there at my home, an address you have sent me things at before. 
During the time my business, XXXX XXXX XXXX XXXX, had an account with Chase we never had a single time we were in the negative and they earned thousands from us in fees. CHASE closed this account not me. Now they need to leave me alone and stop sending my business things in the mail.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had an ach withdrawal for my rent and my account was short the money. I was told by a representative that if the ach withdrawal happens on a day you can make the payment between XXXX and XXXXXXXX XXXX. And the check will clear. I was also told there were no ach withdrawals when the bank is not open no funds will leave my account but fir some reason the ach withdrawal left my account at XXXX in the morning.
Consumer complaint received 2018-10-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC (NY)

XX/XX/2018 I received a letter from ( XXXX XXXX XXXX ( " XXXX '' ) on dated XX/XX/2018, and their position on the matter. I didn't know I had until XX/XX/XXXX, to respond. 
I am just responding to these Statements. ( period ending XX/XX/2018 and period ending XX/XX/2018 ). 
A representative name Ms XXXX, ( XXXX ext. XXXX ) on XX/XX/2018. Said she would investigate the matter and get back to me. I haven't heard anything from her since then.

All I want to know did you grant me the {$3000.00}. or something close to it? 
Thank you, XXXX XXXX XXXX.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My Credit report is showing that 2 XXXX XXXX charge offs i have paid off was Illegally reporting monthly on my credit report, as this is a violation of the FCRA. Charge offs were not supposed to be reporting monthly. Please delete charge off accounts from credit reports as this is illegal or i will seek an attorney for damages.
Consumer complaint received 2018-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NJ)

I sent a registered letter dated XX/XX/2018 to the company, to validate the debt and send me a copy of the validation of the debt with the company which they did not do.
Consumer complaint received 2023-01-25
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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
Consumer complaint received 2020-12-14
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2018-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (DC)

On XX/XX/XXXX I had noticed that there were fraudulent charges on my bank account which I called Chase to address. I recently moved from XXXX  to XXXX XXXX so I was unable to go into a branch to resolve the issue. The nearest branch was over 150 miles away in XXXX XXXX, and without the funds from my bank account, there was no way for me to get there even if I had the time to take off of work. Furthermore, they refused to have the funds transferred to the account of another bank in my name or make any other reasonable accommodations for my circumstance especially in consideration of the fact that my rent was due on the XXXX of the month. 

After 3 separate calls with Chase they finally put my account on " restricted '' which would close the account in 10 business days. I essentially had to live without access to any of my money for two full weeks. Come the end of the 10 business days, the account was still not yet closed even though the notes of all interactions with chase indicate a closure date of XX/XX/XXXX and mailing of my funds by XX/XX/XXXX. I had to call again to have the closure of the account " expedited '' which isn't the correct term because the date of closure guaranteed to me was already past. As of XX/XX/XXXX, the writing of this, the account is still not closed and no check has been mailed to me. Chase has been extremely unresponsive and I've spent over 15 hours on the phone with them over the past two weeks to be " guaranteed '' different deliverables by different dates only to have them continually pushed back. They have made it ridiculously difficult to simply close my account and all of this is noted in their notes as multiple representatives I've spoken too have read back to me. I have been informed the account will now be closed by XX/XX/XXXX Monday, but even if it is I have been unable to pay my rent or access the funds I need to buy groceries and pay other bills because of the actions, and inaction, by Chase. Simply put, I will never bank with Chase again and they ought to be responsible for any negative financial consequences I've incurred as a result of their inaction.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have made numerous complaints against Transunion and XXXX and have demanded compensation and my complaints continue to get ignored. The CFPB isn't holding Transunion or XXXX liable for damaging my credit report for failure to verify and delete an account for inaccurate information.On XX/XX/2023 Transunion removed the XXXX account because XXXX wasn't able to validate this account and because of the inaccuracies and the continued reaging of this account. I'm entitled to {$1000.00} per violation and reinstatement of an account is a serious violation. Transunion has been violating my rights for XXXX months as verifiable by multiple complaints and disputes that have been ignored. There have been a minimum of XXXX violations per month as the pictures uploaded will prove. Transunion needs to be held accountable and needs to pay me {$4000.00} per month times XXXX  months and not be allowed to submit a computer generated response. Transunion has a history of repeating the same generic response and XXXX isn't able to validate or verify this account as demonstrated by the last complaint but they continue to lie and negatively affect my credit. My credit dropped XXXX points because of the fraudulently behavior caused by XXXX and Transunion.