davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Terrill Outsourcing Group (TX)

At XXXX on XXXX XXXX2023 the debt collector called my phone asking me to pay the debt I specifically told him that I was not going to pay the debt I will let it fall off. He then said what type of person pulls out money that they know they can't pay, I can tell you don't know how to pay your debts. I told him please don't get cursed out I had a really good day. He then laughed and stated you don't think I cant handle that, I deal with it all of the time. I told him I'm not cursing out to you but you're being very rude right now I stated I'm not paying it. He then proceeded to hang up in my face. I called back and the same person answered but changed their name. I told him I would like to make a complaint and he said he would and not only did he not make a complaint about the rude staff member but then started to ask me about my debts. I told him I am not paying it. He then started to lecture me stating what would my mother and father think, what type of person does what you did, what would my reputation look like what type of example would my daughter have. I told him that they would not have access to my credit. He asked me why am I not able to pay. I explained to him I ended up losing my job and gave birth and he stated that that's not a good enough excuse to not be able to pay my debts. I told him I was reporting and said yeah go ahead and do that and also tell them that you owe {$2300.00}, go ahead and report it and let them know you owe {$2300.00}.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ME)

I am writing to file a formal complaint against XXXX XXXX Bank regarding their repeated inaccurate reporting of late or past-due payments on my accounts. Despite my continuous efforts to rectify this issue, the creditor has failed to update my account information accordingly. 

I have experienced this problem numerous times with XXXX XXXX Bank, and despite disputing the information twice, the account verification has come back unchanged. This situation is not only frustrating but also damaging to my credit history. 

To provide you with specific details, I made payments to XXXX XXXX Bank on XX/XX/XXXX, with the respective amounts of {$110.00} on the account ending in # XXXX and {$96.00} on the account ending in # XXXX. I have confirmation of these payments from my checking account, which ends in # XXXX. Therefore, I can confidently assert that I am not late or delinquent on my payments. 

Despite the evidence of my timely payments, I was recently marked for XXXX as delinquent again by XXXX XXXX Bank. It is clear that there is a recurring issue in accurately reflecting my payment history, and the bank has been unresponsive to my requests for updating the account accordingly. 

I kindly request the intervention of the Consumer Financial Protection Bureau to address this matter and ensure that XXXX XXXX Bank accurately reflects my payment history. I urge you to investigate this recurring problem and take appropriate actions to rectify the inaccurate reporting. 


Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to resolve this issue and ensure fair and accurate reporting by XXXX XXXX Bank. I look forward to a swift resolution of this dispute.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

I recently reported fraud on my account and I notified XXXX, Equifax and XXXX and all of them closed my report without even looking into it, which is absurd. I need all 3 companies to do a full on investigation into this because it is affecting my credit. I would like to know what steps they took to investigate this fraud, how will it be prevented in the future and I will like it mailed to me as well. None of these companies proved these accounts are mine and they are reporting false fraudulent information and if not corrected, will definitely be added in a lawsuit I will be filing against them. I will also send this to the attorney general office just for a back up, cause I don't understand how a fraud case is being ignored.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WA)

I have just reviewed my credit file I have included the following inquiries showing up on my XXXX XXXX have been XXXX during this time I did not authorized these inquiries. These companies did not have permissible purpose or my written permission to run my credit.
Consumer complaint received 2024-03-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: National Credit Adjusters, LLC (TX)

Validation by Creditor To Verify Trade Line on Credit Report Accounts To Whom It May Concern : I sent certified mail about my original contact, for validation for NCA my acct # XXXX I need original agreement.NCA have not respond, toward my letter no emotional response.

I am formally requesting that you validate all trade line notations you have submitted to the XXXX major I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. I must also demand certified/notarized copies of the original documentation and any contracts or documents that I may have signed. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line during any and all claimed time periods.

Please know that you have XXXX  days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative trade line notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties will provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. This notice shall also serve as a limited cease and
desist order, and a demand that all future communication be in writing, via postal mail.

Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees.

I look forward to a timely and amicable resolution to this matter. 
XXXX XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Someone is fraudulently using my information in an attempt to open lines of credit. 

On XX/XX/23, I was alerted by Experian that a hard inquiry was made on my account on XX/XX/23 by XXXX which resulted in a decrease in my credit score. I did not apply for any credit. I contacted Experian and they put an additional level of alert on my credit file. 

On XX/XX/23, I was again alerted by Experian of another hard inquiry on my account by XXXX which again resulted in another decrease to my credit score. I DID NOT APPLY FOR ANY CREDIT from XXXX. 

On XX/XX/23 I contacted Experian XXXX department to dispute the inquiries and have them removed from my report. I also placed a freeze on my report. Experian also advised me to file a report with your agency. 

On XX/XX/23 I contacted Security Verification at XXXX Bank. They confirmed that someone applied online for a credit card using my information.The applications were denied and flagged as fraud. They agreed to have inquiries removed from my credit file, and to send me identity theft information in the mail. 

It is apparent to me that the online application was a result of credit card mail solicitation that was intercepted.
Consumer complaint received 2023-03-27
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXXXXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX XXXX have violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX  have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX have violated my rights. 
XXXX XXXX have 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 2023-09-05
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

my capital one credit card was stolen twice at XXXX Gas Station in XXXX, NY one charge was for {$190.00} and the other {$200.00}. I was in XXXX XXXX, NY at that time and didnt make the charges capital one claims they cant give me credit.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TX)

I have filed this report with the FTC in the past and have requested proof from this company on many occasions that this debt belongs to me and not someone else of the same name. This account was opened fraudulently in my name or someone with the same name. I keep disputing this Chase acct and they keep reporting it to the credit bureaus every few months causing it to reappear and causing me to keep having to dispute this every few months for five years now. I have included a fraud statement on my credit report and have purchased credit monitoring from two companies and the credit bureaus have refused to remove this account from my credit report. Please assist me in having this fraudulent account opened in 2019 removed/deleted from my account and never reappearing. All of my accounts that legitimately belong to me are being paid in a timely manner and no outstanding debts. Thank you.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I called Truist bank and asked what I needed to do. They instructed me to go in so I went inside of the Truist branch and verified my identity with my id. MIND YOU, MY ACCOUNT HAS BEEN FROZEN FOR XXXX YEARS. I still have money in my account and I think Truist is trying to keep my funds.
Consumer complaint received 2023-09-28
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: AMERICAN EXPRESS COMPANY (NY)

The XXXX of XXXX XXXX charged me {$90000.00} through my American Express card instead of a beach entrance fee on XX/XX/2023. It has been a nightmare trying to get this resolved with Amex, I opened a case with them on XX/XX/2023. This charge is still sitting on my account and accruing interest ( charge on XX/XX/2023 ). This is not standard business practice from disputes I've done in the past, I have always had the charge and interest held. I have gotten no answers on when this will be resolved, how interest is being accrued and I am worried this will impact my credit score. I was able to get through to the CFO of XXXX XXXX, who noted that Amex contacted her in the middle of XXXX and she had said then that the charge is false. This exchange was not documented by Amex. She has also e-mailed me a letter for proof. I am attaching XXXX documents highlighting my case : XXXX Amex charge file : This is noting the entire timeline of what has happened and the amount of times I have contacted American Express for a resolution. I have spent XXXX hrs on the phone with multiple agents and have gotten no ETA or clarity on how this is being handled as well as important details such as if interest will be charged. Even after updating Amex that I have contacted the merchant and have written proof this charge is false, there has been no movement on my case. 

Letter from XXXX XXXX file : CFO of XXXX XXXX has written that this charge is false and should be removed.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

My TD bank credit card ending XXXX expired XX/XX/23. I never received a new replacement card, and I didnt notice since I rarely use this card. I only used this card to charge XXXX auto insurance premium & balance transfer checks in the past. On XX/XX/23 I made a payment to XXXX using this card, so I checked the billing statement. I was shocked to find out there were many fraudulent charges between XX/XX/23 to XX/XX/23 for a total of {$11000.00}. I called TD bank to dispute & also found out that TD bank did send out a new replacement card which I never received. I strongly believed my new card must have landed in the hands of the criminal. It was too late to find out the card was stolen since damaged were done. I was concerned if I was a victim of identity theft or TD bank failed to provide sufficient security measures so the criminal was able to activate my replacement card? On XX/XX/23, TD failed to reach out to me for verification for a large payment of {$10000.00} to XXXX XXXX which I didnt know the nature of business & any contact information. It appears like a scam since I found no clue of this company in my search. Then with the TD bank lacking security, the criminal continued using my stolen card purchasing in various stores in XXXX wheres distance from my residence in XXXX. Again, TD bank failed to detect unusual card activities & irregular purchases patterns. I filed a police report. I informed the credit unions. I filed disputes with TD bank without success. I dont understand why TD bank denied my disputes while they claim credit card XXXX liability with unauthorized changes. I am reporting this problem to your agency, hoping you could direct TD bank to do a thorough investigation on my case, bringing true answer to light. I trust your agency can do everything in your power to protect consumers including me against fraud. Thank you!
Consumer complaint received 2023-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques (CA)

Hunt & Henriques LLP is suing me in XXXX XXXX XXXX California for {$3600.00} on behalf of XXXX XXXX Without producing a copy of intial credit card application and any account number related to that account. On XX/XX/2023 I sent a certified letter with tracking number # XXXX to Hunt & Henriques LLP demanding a copy of that initial credit card application with my signature and an account number related to that account, and they have started to play cat and mouse game and not responding to our lette
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

I have had a Coinbase account since XX/XX/2021. I deposited {$6000.00} into it and used it to buy XXXX, a cryptocurrency. I have been locked out of my account for over a year. Each time I go through the automated steps to get access, it asks me to wait several days, then fails. I am threatened that if I contact live customer service, my request to access my account will surely be delayed by " several weeks. '' Bottom line, I want my money out and can not get it, and I suspect this is deliberate on the part of the company.
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NY)

I have a Barclays View credit card. 

On XX/XX/2023, I received a promotional offer via email that states " When you use your Barclays View Mastercard in XXXX, XXXX and XXXX, and spend {$300.00} or more on purchases each month, you'll earn an additional XXXX points. '' and the fine print states that " All points earned from this promotion will appear on your statement 6-8 weeks after the end of the promotion. '' Upon receiving the email, I proceeded spending over {$300.00} in XXXX, XXXX and XXXX using my Barclays View credit card.

Not it has been over 12 weeks after the promotion ended and I have yet to receive the rewards points as stated in the promotion. 

This is consumer fraud. 

I am formally making a complaint to CFPB to investigate how many similar promotions are not honored and how Barclays is tricking people into spending with their credit cards.
Consumer complaint received 2023-12-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Columbia debt recovery is not addressing the following : Columbia debt recovery did not send debt validation in the time frame required under the FDCPA. Columbia debt recovery reported this debt to credit bureau in XX/XX/2023 and then sent debt validation letter in XX/XX/2023. Debt validation letter fails to disclose my right to dispute this debt as a consumer. Columbia debt ALSO reported false information to credit reporting agency that account was disputed by consumer on XX/XX/2023 when I never previously disputed this because I was unaware of this account. Quoting Columbias own words here : validatation was sent in XX/XX/2023 as that was around when we received THE FIRST dispute request for documents. 
Proof of these documents attached.
Consumer complaint received 2023-07-22
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. (MI)

In accordance with The Fair Credit Reporting Act XXXX, Dept Of EducationXXXX - XXXX, Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX XXXX, Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX 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
Consumer complaint received 2023-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NY)

As of Sunday, XX/XX/XXXX, I was not able to log into the Venmo app anymore, on any device ( browser or app ). I can not access my funds, which I happen to need for upcoming transactions in the next couple days. 

It was very difficult to get into contact with the company, and once I was able to, they were not able to provide a resolution or estimated timeline, except for " keep trying ... our engineers are working on it. It should be fixed soon ''