davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (NC)

On XX/XX/XXXX my checking account had {$16.00}. A purchase made for {$4.00} was made on XX/XX/XXXX, but is still pending in my account on XX/XX/XXXX. A check cleared the bank on XX/XX/XXXX for {$15.00} leaving XXXX in the checking account. However, a they charged me a overdraft fee of {$36.00} for the check. They are charging me a {$36.00} overdraft fee for a difference of {$3.00}, and the {$4.00} purchase is still pending. I made a deposit on XX/XX/XXXX that would more than cover the {$4.00} purchase that is still pending in my account. I feel this bank is violating the legal standards placed on overdrafts. As they are including pending purchases that have not cleared as well as charging fees on purchases under {$5.00}, by trying to cheat the rules put in place by the federal government. This bank is violating standards set by the federal government.
Consumer complaint received 2019-07-27
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: JPMORGAN CHASE & CO. (FL)

XXXX XXXX sent an alert that a new " hard '' inquiry was just added to my XXXX credit report from Jpmcb - Card Service on XX/XX/2019. 

This fraudulent inquiry could affect my score. 

I have not approved this inquiry and it should not be listed on my credit report.
Consumer complaint received 2023-10-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc. (GA)

I have been submitting complaints and writing and disputing this account every since XXXX and nothing has been taking care of. 
I have wrote Metro 2 letters, I have wrote you all a few times complaining about this account. 
This account was deleted and reinserted over 18 times in XXXX and XXXX and I was not notified within five business days from the company nor the credit bureaus. 
The company keeps filing inaccurate information, they sent me a letter XXXX did last month stating they were going to take care of it with all three credit bureaus and XXXXXXXX XXXX and do not see where they have done anything. 
I need to know what other steps I can take to file a lawsuit against the company and/or the three credit bureaus because, this has caused me to get denied credit and when they have had almost five years to get it corrected. 
According to the FCRA They must submit accurate information and they are not doing that.
Consumer complaint received 2024-02-21
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. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to delete this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. PLEASE DELETE THE FOLLOWING ITEMS ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (MN)

on XX/XX/XXXX, I received an email from ally bank where i keep certificate of deposits, in regards to if i bring additional funds. I can possibly get an additional bonus of 1 % upto {$500.00} according to the offer I had to deposit the additional funds in bank by XX/XX/XXXX. and the bonus will get deposited if not earlier right at XX/XX/XXXX. I did everything according to guidelines. 
Its past the scheduled bonus date and I have tried to contact them numerous times ( precisely 9 times by phone, one time by chat and one time by email ). All the customer service is saying is due to their high no of complaints they will reach out when my no in line will come. till that time they are doing research and not giving me satisfactory resolution. If you need copy of the email 's i am happy to send that to you. Please help me.
Consumer complaint received 2022-09-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$360000.00}.
Consumer complaint received 2022-05-31
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. (MO)

In accordance with the Fair Credit Reporting Act ACCOUNT XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, XXXX XXXXXXXX account number XXXX has violated my rights, XXXXXXXX XXXX account number XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX ID NUMBER XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights 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 2017-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

I have paid all my bills all my life yet this collection agency resided to provide actual signatures or proof of use since this looks very much like ID theft. I have asked them several times t discontinue threatening me at work with legal Acton and to provide an actual account number and date of service. When I mentioned the ID theft CPFB they said I was " on XXXX and should learn to pay my bills. ''
Consumer complaint received 2023-01-20
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. (IL)

XX/XX/2019 {$630.00}, XXXX XXXX {$300.00}, XXXX XXXX {$3700.00}, XXXX XXXX {$2100.00}, XXXX XXXX {$6900.00}. I Disputed this accounts and No resolution to this fraud.
Consumer complaint received 2019-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IN)

On XX/XX/2019 I received emails about two transactions in my PayPal account. Both were sending money to XXXX XXXX. One was for {$250.00} using my PayPal credit and the other was for {$250.00} using my call one checking account as funding. As soon as I saw the emails I called both PayPal and my bank to alert them. My bank put a hold on my account. PayPal credit is still doing their investigation but PayPal told me that they determined them not to be suspicious and there was nothing what they could do, this was within hours if it happening. They have now made my PayPal account negative and day I owe them the money since my bank didn't let them pull the {$250.00}. That is where we are now, they say there is nothing more they will do to help me.
Consumer complaint received 2023-03-01
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. (CA)

In accordance with the Fair Credit Reporting act. The list of account ( s ) below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The consumer reporting agency violated my federal rights by running a credit check on me multiple times from XX/XX/XXXX- XX/XX/XXXX without my permission when the vehicle was first leased in XXXX which should have been the only time the consumer reporting agency ran my credit, no reason for the consumer reporting agency to run my credit 4 times a year after buying the car and without my permission. 

The consumer reporting agency also violated ( Cal. Bus. & Prof. Code 7507.9 ) by not giving me notice for my personal property inventory within 96 hours of repossession.
Consumer complaint received 2023-03-01
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. (FL)

Dear CFPB, Please assist - I have absolutely no knowledge of the alleged debts listed on my credit report. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. 

I opened up my mail to find that credit had been applied to in my name. I immediately reported this to the FTC so that the bureaus can rectify the situation.
Consumer complaint received 2022-05-31
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: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, has viol ated my rights. 


15 U.S.C 1681 section602 A. States i have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-21
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. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$140.00}
Consumer complaint received 2023-10-25
Product: Credit reporting 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)

I have tried to finance several Things such as cars and loans and i keep gerring deined to the fraudulent activities on my credit report The Fpllowing Accounts are unlawful and have been reported without mt XXXX XXXX XXXX UTILITY COMPANY ACCT. NUMBER XXXX A CHARGE OFF XXXX XXXX ACCT. XXXX XXXX A SECURED CREDIT CARD XXXXXXXX XXXX XXXX ACCT. NUMBER XXXX A CHARGE OFF AND XXXX XXXX A CHARGE OFF I Am Requesting ALL OF THESE ITEMS BE EXCLUDED OFF OF MY CREDIT REPORT WITH MONETARY RELEIF FOR THE VIOLATION OF MY RIGHTS and the VIOLATION OF THE FOLLOWING USC CODES : 15 USC 1681 ( a ) ( 2 ) Exclusions 15 U.S Code 1692 ( I have the Right to Privacy ) 15 USC 1692 ( a ) ( c ) a debt collector must have my consent to report and according to FCRA and the FDCPA and for violation according to 15 USC 1681 ( i ) i am entilted to monetary compensarion
Consumer complaint received 2022-05-31
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. (NY)

In accordance with the fair credit reporting act XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX. Violated my rights 15 USC 1681 section 602A.states I have a right to privacy. 15 USC 1681 section 604A section 2it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item or information from the file of the consumer, or modify that item or information, as appropriate, based on these results of the reinvestigation ; and Please note : XXXX XXXX Account number XXXX
Consumer complaint received 2023-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One is reporting an inaccurate charged off accounts on my reports that I have been disputing with them for some time now. I sent them a letter on XX/XX/2022 requesting validation of this debt and all documents concerning this account. In receipt of my letter they sent me a response requesting that I send them documents concerning this debt which I have attached below. They asked for my information such as a copy of my social security card, the nature of my dispute, account payment history and supporting documents. I detailed the nature of my dispute in the debt validation letter, what I want to know is, how are they able to verify this debt as accurate on my credit reports when they are asking me to validate this debt? Isnt it their job to verify this account as accurate and to have all documents pertaining to this debt that they are asking me? If they can not validate this debt and submit any sufficient proof that this debt belongs to me by law they can not report this account on my credit reports. I am demanding that this account is deleted from my reports now!
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. ()

Per Experian on my last complaint : See complaint XXXX : " We sent a copy of the Experian credit report on XX/XX/2019 based upon the original request, but we are in the process of mailing another Experian free credit report on XX/XX/2019. Because Experian has met its obligations under the FCRA, we must respectfully deny your request for compensation at this time. " -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Too bad, Experian failed again. This makes 3 times failure! 
Strike 1 - returned my letter unopened, Strike 2. Failed to mail credit report of XX/XX/2019. 
Strike 3. Fail to mail credit report of XX/XX/2019. 

I suggest you use a different mail system, such as XXXX or XXXX. However XXXX  and XXXX  have been successful with mailings to me the regular way along with the IRS. 
In good conscience you should also reimburse my mailing cost of XXXX XXXX denied because you falsely stated you mailed my credit report on XX/XX/XXXX.
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I got the Pre-approved credit card via Citicard XXXX XXXX. However, when I submitted my application I got the application declined with the reason some collections involved in my credit reports. I worked with the collection companies and paid all collection off as Paid Off with XXXX balance. After two month with paid off my collections I could be able to obtain a Credit card from XXXX XXXX XXXX. However, as a XXXX member over 10 years, I would like to reapply the Citicard XXXX XXXX again so I can get the benefits from XXXX Member. I got declined again with the reason : " Too few satisfactory credit references were recorded on your credit bureau report. '' Citi card used XXXX to check my credit history. I have a copy of 3 credit Bureau, all three report I have NO collection. All past collections are paid off with XXXX balance for last 3-6 months. My question is why Citi card sending me the Pre-Approved application for what? I believe I deserve an approved card from Citi XXXX XXXX. I read online review, many people with active collections still got approved from Citi XXXX XXXX, why not me?
Consumer complaint received 2017-08-20
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: Omega RMS, LLC (FL)

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : XXXX XXXX {$100.00}, XXXX XXXX XXXX XXXX, Omega RMS {$3100.00} To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim such as I owe an amount of {$100.00}, {$760.00}, {$3100.00},. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX