davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX Violated The Fair Department Collection Practices Act and the Fair Credit Reporting Act. 

Midland furnished deceptive billing statements and is using the statements to justify and to collect more than I owe. 

XXXX XXXX  / XXXX original owners of the application credit card contract received seven additional payments of {$150.00} after the account was charged off on XX/XX/XXXX. XXXX XXXX XXXX was aware of the situation and deleted all trace and information from my credit reports. 

Charge of Date : XX/XX/XXXX. 

1. XX/XX/XXXX, {$15000.00} 2. XX/XX/XXXX. {$150.00} 3. XX/XX/XXXX. {$150.00} 4. XX/XX/XXXX. {$150.00} 5. XX/XX/XXXX. {$150.00} 6 XX/XX/XXXX. {$150.00} 7 XX/XX/XXXX. {$150.00} Second, violation of the FCRA by Midland in not notifying to the credit reporting agencies that my account is under settlement agreement and that account is under dispute. In addition, inaccurate information has not been corrected from my credit report within the 30 days of my dispute. 

Third violation by XXXX XXXX XXXX was objecting to the court and myself upon request of the original application contract is a violation of the law and my rights. 

Final violation by XXXX XXXX XXXX. " Under the FDCPA, a collector is required, within five days of the first contact is required sending, in writting, a notice of my right to dispute the debt. Failure to do is a violation of the FDCPA. '' For XXXX XXXX XXXX the first contacted was the filing a of lawsuit and thereafter I was sent a letter of my right to dispute.
Consumer complaint received 2022-10-31
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. (MO)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe were reported in error. 

XXXX XXXX XXXX : {$6900.00}
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX I received my money since then I've been in contact with bank of america I filed a complaint with them that my account security has been accessed by outside means the security questions have been changed even the emails and phone numbers but they weren't supposed to allow it I verified with plenty of people that I am the account owner yet again today on XXXX  XXXX XXXX my account is yet again inaccessible to me cause they failed to protect my identity I am requesting help to fix this if by any means they can I already had over XXXX dollars spent it of my account that was supposed to be refunded and now they are refusing to assist me
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

After looking over my credit report I see the information is being reported wrong. So, I like to have the information reporting correctly on my credit report file. I had an account with XXXX Now that I paid off in full. But it is not being reported as so on my credit report.
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one closed both of my accounts without my authorization or consent. 
I would like to be compensated for this error of capital one and have both of my accounts paid off by them for their mistake and negligence and furthermore be compensated for XXXX for this mistake.
Consumer complaint received 2018-06-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BBVA FINANCIAL CORPORATION (TX)

In XXXX we got a personal loan from our credit union to pay off the loan at BBVA so we could have the title released to us for us to sale the car. On XXXX a check to pay off our auto loan was sent to BBVA so that we could close the loan and release the title to us. We were told the title would be mailed out XX/XX/XXXX, and it would be in our mailbox BEFORE XX/XX/XXXX. On XX/XX/XXXX, after not receiving the title, I called BBVA to confirm they had sent the title. I was told that the title had been delivered to our P.O. box but it had not. I called the post office to confirm that the title was not with them and they searched and did not have it. 
We called BBVA on Monday XX/XX/XXXX and they had told us that the title was actually showing in their system. XXXX and frustrated, I had a 45 minute conversation trying to get the person on the phone to allow me to speak to a manager, and overnight our title. With no luck my husband called back later that day and demanded to speak to a manager.  After being given the run around they finally allowed him to talk to a manager. She assured us that our title would be overnighted and gathered his information ( including the fedex account number at his place of employment and the name of the company and town ). On Tuesday XX/XX/XXXX, we got a phone call that they had NOT gotten the title in the mail because they neglected to gather the actual Address for the business. 
WE ARE STILL WITHOUT THE TITLE to our vehicle. It has been 2 months and they have neglected to keep their word or send our title in the mail.
Consumer complaint received 2024-03-22
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. (TX)

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 : Account NumberXXXX Account Name : XXXXXXXX XXXX  : Account Number:XXXX Account Name : XXXXXXXX XXXX : Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  : Account Number:XXXX Account Name : XXXX : Account NumberXXXX  Account Name : XXXXXXXX XXXX XXXX  Account Number:XXXX Account Name : XXXXXXXX XXXX : Account Number:XXXX Account Name : XXXXXXXX XXXX  : Account Number XXXX XXXX Account Name : XXXX XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-04-23
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: EQUIFAX, INC. (SC)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY FINANCE CORP (TN)

I sent a debt validation letter requesting they validate the debt was mine. They sent a letter stating they were not able to find me In their system. I provided an account number from my credit report, my name, and address. They stated they cant find me but will not remove this from my credit report.
Consumer complaint received 2022-10-31
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately :
Consumer complaint received 2021-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

Deposited {$620.00} cash into Suntrust checking account on XX/XX/2021at XXXX and the money was made available right away and I could see it in my online banking. Today, XX/XX/XXXX I attempted to access my online banking and the account was locked. After calling the customer service number I was instructed to go to the branch and was told my deposit didn't show up in their systems. When at the branch, I was told that they made a business decision to close my account, and that they couldn't see where I made any deposit into my account. They said my balance at closure was {$100.00} and not {$720.00}. The branch banker said I'd receive a check for {$100.00}. I was instructed to visit the branch where I made the deposit and they could fix the problem. After visiting the branch where I made the ATM deposit, they told me there was nothing they could do and I had to call the customer service number. After calling the customer service number again, they claimed they filed a dispute, but gave no timeframe for the dispute, and no timeframe as to when I would see the total account balance refunded to me. I am now in a situation where rent is due in 7 days and I need access to the cash I deposited in my account. I shouldn't have to wait for a check when this wasn't my fault to begin with.
Consumer complaint received 2024-03-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Collection Services, Inc. (Nevada) (CA)

This company which I hold no contractual agreement with no have received services from has opened a collection against my SSN and have reported to the credit agencies that I owe a debt of {$3900.00}. They have reported used XXXX, XXXX  and XXXX to damage my credit. 

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party who you claim to have received services which has caused for you to seek a debt to be paid and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Considering there is no contractual agreement Nor have I received services from this company I am not binding nor obligated to pay any debt.

I request that your services remove these infrastructions from my SSN.

I demand this company remove the negative inquiries from my SSN from any credit agencies included but not limited to XXXX, XXXX, and XXXX. I also request that my information be moved from this company 's data base.
Consumer complaint received 2022-02-01
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. (TX)

I did not authorize or give direct consent to any companies or third parties to access information on my consumer reports which withhold pertinent information. They used false and misleading forms to fraud and swindle me which resulted in adverse action. They deprived me of my right to privacy. Because of my right to privacy has been breached this has caused me a great deal of emotional distress. EXPERIAN is conspiring with the furnished company in the continuing violation of my constitutional protection rights. The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf. 

I have attached FTC fraud reports and FTC Identity theft reports, Affidavit of truth and my identification to prove it is I, who has submitted this complaint. 

I will be sending a copy of this CFPB complaint to the Attorney General and all attached documentation as proof that EXPERIAN, CEO and Registered Agent has been made aware of the consumer laws being violated.
Consumer complaint received 2021-04-23
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. (CA)

My Experian credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the Experian credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
Consumer complaint received 2021-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I contacted Jefferson Capitol Syst, XXXX XXXX XXXX, XXXX XXXX Mn XXXX on XX/XX/2021 after receiving information that they added a previously deleted item back to my credit report. I contacted them threw Certified mail and requestied them not contact anyone else about the debt until they sent me a complete validation letter. The return mail was signed by a XXXX XXXX XXXX on XX/XX/2021. XXXX XX/XX/XXXX they contacted XXXX again about the debt without sending any information asked for in the verification letter. The initial bill was deleted from all three of my credit reports in XXXX when XXXX failed to respond in any form or fashion to any of the multiple dispute i sent in to all bureaus. In XXXX XXXX months later, after XXXX knowing they could not get the account re-inserted onto my credit they, vindictively sold it to Jefferson Capitol. These tactics are horrible and cause so much hardship to my credit.
Consumer complaint received 2021-04-26
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: Experian Information Solutions Inc. (MD)

I reached out to XXXX fXXXX XXXX to correct issues around my trade-in of my other vehicle. It took XXXX XXXX XXXX four months to post the payoff I reached out on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX 201XXXX 2017 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. The problem is the account is reporting 19 payments late and those payments have been reporting for more than three years which does not support the term of the loan. At the time when I first noticed the inaccuracies I reached out immediately XXXX made the adjustment and delete it from one credit Bureau agency however they have not cleared the matter from all the credit bureau agencies. I called XXXX on several occasions and was told I could not speak to anyone regarding the credit department that I would need to write a letter I have written six letters and not heard back from anyone over the past 2 1/2 years. I went to refinance my car these issues came up again that XXXX is reporting 19 payments late or 19 payments past due and I have never been been late on my vehicle beyond one month. I was under a program that extended my payments for three months and paid the {$80.00} fee which push three payments to the end of the loan however I pay those funds well in advance and I am above and months ahead on my car note. I would like for XXXX XXXX XXXX to correct my credit bureau immediately and adjust those late payments that they are reporting as they are hindering me from moving forward into purchasing a home and making larger purchases. I am trying to start a business and this has been causing me some significant problems. I have a security clearance that Im reporting and have this listed and its been listed for four years as an ongoing recurring dispute. I need XXXX XXXX XXXX to correct their errors or be penalized for false information and cause an eminent harm to an innocent creditor who has been paying her bills timely
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

From at least XXXX, XXXX to the current month XX/XX/XXXX, my Bank of America checking account ending in XXXX has been charged a {$25.00} maintenance fee on a monthly basis by mistake, and Bank of America customer service representatives has acknowledged and agreed that this is due to an error on the bank 's system. However, the Bank 's customer service representative was unable to refund these fees to me, because he said that he does not have authority to do so ; he could only file a case to the bank 's back office to make sure that this error doesn't happen to me again on a going forward basis.
Consumer complaint received 2021-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX, XXXX, 1.I found not able to login to my chase online bank account. I have to reset my password. During the password reset, I realize the procedure is weird, no security questions asked! 
2.After reset my password, I found my saving account get hided in the XXXX XXXX view. 
3.Then I found there's an unauthorized {$35000.00} transaction to XXXX at XXXX XXXX XXXX immediately call Chase service. After 25mins wait, explain there's an unauthorized transaction happened at my account, ask service person to block and cancel it. Chase service person said the online bank team just get off from the work, ask me to call fraud department next Monday. 
XX/XX/XXXX, night. 
XXXX. I found my chase online bank account password get changed again! 
XXXX. After I reset password again to login. Then found 1 unknown cellphone and 3 unknown email are added into my chase account and have been set as Primary. I tried to delete them but chase system give alarm the primary get only be changed during working days. So I have to leave thief 's contact in my account! 
XX/XX/XXXX, XXXX XXXX. I call chase Fraud department to ask block the transaction. At meanwhile, start a claim process for the loss. 
2. Fraud service team suggest me go to local branch to close all existing account and re-open the new checking/saving/debit/credit account and card. 
XXXX. I went to chase local branch, did step # 2. 
XX/XX/XXXX, XXXX. I report this case to police station XXXX. I get a call from chase that they suggest me go to local branch to fill a form and FAX back to them for the 2nd step of claim. 
XXXX. I went to chase local branch, fill and sign the form. 
XX/XX/XXXX, XXXX. Received email said chase send me secure message in the app 2. There's no warning/notification/alarm is set in the chase online bank to tell me there's a new secure message and it is hided under 3 level of the system! 
XXXX. The message said the " transaction was processed correctly or was authorized '', " No adjustment will be made '' 4. I'm writing this complaint. 

Long in short, 1. I have reported the issue immediately right after I noticed the weird transaction. 
2. Chase is moving slow and not able to block the transaction after I report the unauthorized transaction and cause my loss. 
3. Chase IT system has severe flaw to leak my online account and password. 
XXXX. Chase IT system has severe design flaw that very easy to reset password, only need to know account number & SSN, which can be leaked anywhere. 
XXXX. Add cellphone, Email and immediately transfer money should be marked as high risk fraud activities but Chase didnt do anything on that. 
6. Chase didn't discuss with me but make a hasty decision that " As we discussed and agreed that no adjustment will be made ''. I feel no respect and don't feel secure of letting chase manage my assets.