davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Recoveries, Inc. (MD)

1 ) The U.S. Department of Education sold my financial information to a collection agency named National Recoveries , Inc . I just found out about this company. They are a third party debt collector. They fall under the FDCPA. I do not have a contract with them. 

2 ) The U.S. Department of Education/National Recoveries Inc has been collecting on a debt already paid. They have been reporting false information to consumer reporting agencies without my consent. 

Pursuant to 16 CFR 433.1, 433.2 and 433.3, I, as a debtor, am asserting my rights, the alleged debt was paid in full with my master promissory note which is a negotiable instrument. 

16 CFR 433.2 ( a ) - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 
NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (IL)

XXXX uses a Keybank card for my unemployment benefits, Someone has repeatedly debited my card using something called bill pay for {$7000.00} I initially opened the dispute with Key bank on XX/XX/XXXX th 2021. They are still stalling and hang up on me repeatedly, when I ask for a status, update or time frame.
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I have a checking account with Chase bank in the XXXX branch. I had recently filed a fraud claim for {$730.00} and was surprised to find that the bank had rejected my claim. On XX/XX/XXXX, while I was on vacation with my family, the money had been transferred to a XXXX  XXXX bank account, a company that neither me nor anyone close to me banks with. While on vacation, I had to spend a day closing my old account and opening a new one, as well as taking steps to ensure my account was more secure from outside interference. I was really shocked when the bank rejected my claim, because there was absolutely no way for that transaction to take place. The banker that we talked to while on vacation assured me that there was almost no scenario in which I didnt get my money back, so imagine my surprise when, about two weeks after the original incident, I saw that the funds that had been added to my account had been removed once again. That was money that I had planned on using for XXXX XXXX and I would really appreciate some help with this situation.
Consumer complaint received 2021-09-28
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. (MD)

This complaint is for the timeshare company XXXX. I've previously disputed this account and was deleted from my credit reports under XXXX XXXX TransUnion, but reappeared and is reporting negative again. I want this to be removed as it is very illegal to add on removed fraud accounts. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. Furthermore, I spoke with their employees who were introduced to be someone other than a sales person & also claimed not to work on commission. Unfortunately I can't remember the names of the people I spoke with. I was told that I'm actually making a good financial investment, especially because it have some tax benefits similar to owning a 2nd home. Plus, resale value would go up. They said I can also earn money from it, getting rental income. I was lured when they also promised that I'll never have to pay maintenance fees again. They made me believe I was being given the privelege of getting this special offer because they needed to get " corporate approval '' to give me the price being offered. I felt pressured and rush when they told me it's my last chance to upgrade at the lowest price. They had me open a credit card for this. They promised free vacations bonus, which I never received at all. They didn't even discussed how to cancel, or made me aware as to how many days I have in order to cancel. I've sent request to cancel but they never cancelled it. I already have medical conditions such as XXXX and XXXX, & it simply doesn't help when I'm experiencing financial difficulties caused by this timeshare, plus my credit score is going down because of this as well. It's very stressful having this timeshare, they've put me to collections, I can't even get a loan because of this. I am a victim of the XXXX timeshare scam. They told me that timeshares are fantastic investment, which is untrue. There was a high-pressure time shaper presentation that lured me in with the promise of a cheap vacation. I was told by the salesman how the program is good & the points. The sales person told us XXXX XXXX XXXX XXXX XXXX, which paid for {$18000.00} could get us 20 nights at all kinds of beautiful resorts every year throughout our lifetime, at any time, which was untrue as we were not able to find any availability when we try to book. We were defrauded & lied to. This is the biggest scam I encountered.
Consumer complaint received 2021-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (DE)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-09-28
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (MD)

{$4800.00} was supposed to be deposited into my account with chase bank on XX/XX/2021. After verifying with the customer service with representative ID of XXXX, they assured me that the amount will be deposited, however, the deposit was rejected by the bank and IRS issued me a paper check. Currently, they do not process my check and they refuse to open an account for me after closing my previous account due to overdraft charges so I can not deposit the check from IRS. 
I have spoken to two other supervisors with Chase bank : XXXX and XXXX. They both refused to tell me why the deposit was declined.
Consumer complaint received 2024-03-14
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. (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 XXXXXXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXXXXXX : Account Number:XXXX Account Name : XXXXXXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXXXXXX XXXX  : Account Number:XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 2021-09-28
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. (DE)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX/XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (TX)

Citigroup makes it easy to open an account online but does not allow closing in the same fashion. Instead I waited several minutes on hold to be told that I needed to call back 3 days after the last transaction occurred. 

Why do I have to wait to call back when their system should be able to handle the deferred close if that is what is needed. Moreover, why can I not close an account online when I am able to open one?
Consumer complaint received 2023-01-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

Contacted Wells Fargo customer service by telephone three times ( totaling over 90 minutes ) within past 10 days and visited local branch in XXXX XXXX, XXXX XXXX, CA ( twice ) over past 3 days to close my checking and savings accounts, both of which have a {$0.00} balance. Was told several different and conflicting reasons why they were unable to complete closure requests.
Consumer complaint received 2021-09-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC (KS)

I recently received a voicemail from a debt collector, and then the next day I received and e-mail from the same debt collector for the same debt. 

Now it is my understanding that they are allowed to try to communicate in these manners to collect a debt. That's all fine and dandy, however the e-mail failed to provide a link to opt out of receiving e-mail notification. The link they provided was written up as below : Update your communication preferences by visiting http : //www.reliantcapitalsolutions.com/consent/ Upon Visiting the link provided I noticed wording that almost seems to appear, that by filling out certain information on that page you are " CONSENTING '' to them contacting you by those means, rather than opting out of the methods of contact. This said, those items are also required fields. Example is the wording for e-mail : " By providing your email address you consent to Reliant Capital Solutions , LLC contacting you at that address regarding any accounts for you placed with Reliant for collection. You understand and agree the email communications will contain account specific information. You have the ability to withdraw consent or opt-out of those emails at any time. '' There is no clear way in the e-mail I received to opt out of e-mail notifications. 

Secondly, I would assume that even with these new rules that allow them to contact you by other means, that certain privacy rules that have existed for the past 40+ years would still apply. No attempt was made by them to verify whether or not I am the sole user of this e-mail account before attempting to contact me of this debt. I have a XXXX XXXX XXXX mother, that I often allow to use my e-mail address because it is easier for me to help weed out some of the potential scams out there that prey on the elderly 's lack of knowledge for technology. While she does have her own account, it is only given out for select business purposes such as job searching, banking, etc. These rules that have recently changed, obviously did not give foresight to the fact that many consumers my age may share an e-mail account with an elderly parent or a child.
Consumer complaint received 2021-09-28
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. (CA)

On XX/XX/2021 I sent a dispute letter. that contained inaccurate things on my credit report. It has been 60 days or more I've received a response but its not the one I would like to hear. I feel like the Junk Collection agency just ignores my reasons for them to close my account. They can't provide me with any documents proving or staiting the I authorized that account. I asked them to send a copy of my id along with signed documents and my social. They couldn't provide this info for me. 15 U.S. Code 1681- Congressional findings and statement of purpose states ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand these accounts be deleted immediately or I will file for litigation due to all the stress all of this has caused. My Info was also affected by the Equifax data breach and more than likely got in the hands of the wrong person.
Consumer complaint received 2019-12-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC (FL)

Received a email from National Credit Collections stating I owe {$760.00} a debt that I never took out from this company. Company via email stated that if debt was not paid they would file with my district court and declare dead and loan default.
Consumer complaint received 2021-09-28
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX  XXXX-XXXX-Balance {$840.00}
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (AL)

There data breach has put my information into XXXX XXXX databases, and serveral breaches which has limited my XXXX career because I have never been a member of XXXX XXXX or its websites. My Employment has been severly limited by there irresponsibility.How can I pass a competative credit check for a job with these alerts?
Consumer complaint received 2021-11-25
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. (TX)

To Whom It May Concern : I disputed these items last month. When I pulled my new credit report today on XX/XX/2021 these items was previously deleted, and now re-inserted my credit report. You did not notify me within XXXX business days that it was re-inserted on my credit report and because of this section FCRA 611 violation, the account needs to be removed.Send a new credit report to me showing this deletion. 

Thank You, XXXX. Validate Account U S DEPT OF EDXXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account U S DEPT OF EDXXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account U S DEPT OF EDXXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account U S DEPT OF EDXXXX Account Number : XXXX Please delete it from my credit report immediately
Consumer complaint received 2023-01-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

My husband and I had a mortgage through Wells Fargo. We know for a fact that they mismanaged payments and also our escrow resulting in us having to pay alot more money than we should have over and over. By the time we sold our house we ended up paying way more than we should of. We knew this was happening over and over especially every year when we had to pay more payments and extra escrow. We also had issues with our payments for our XXXX loan we had with them!
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

i have 2 student loans for my XXXX XXXX XXXX i had in my reports that i do not have to start payments until XX/XX/2016. 
In XX/XX/2016 i started receiving calls from XXXX XXXX and Eduction Department saying that i was late with payments, At the time i lost my job and was unemployed without unemployment benefits. According to the calls, i was 90 days late. I filed for forbearance and later for IBP -income based  payments. My account was reported to be late by 60 and 120 days 8 times. even if i was late, it was ONCE and even that is debatable because i never received paper or email statements. My credit score is terribly damaged and XXXX XXXX would not remove these late payments and they continue hurting my credit
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

fact, I the affiant is aware and have proof that TRANSUNION has and continued to violate my consumer privacy rights. I the affiant observed 19 violations on my consumer credit report. XXXX is and continues to be in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed numerous times that's the information was incorrect and should not be on there. I have been injured numerous times from XXXX 's gross, negligent and willful behavior. these injuries include, and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX, and XXXX XXXX.
Consumer complaint received 2024-03-14
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: EQUIFAX, INC. (FL)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-03
Product: Credit card or prepaid 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 (NC)

In XXXX, South Carolina on credit card XXXX Capital One Platinum MasterCard Security card for {$200.00}, while in Identity Theft my {$200.00} limit was allowed to purchase {$420.00} of services and I closed my account in or around XX/XX/XXXX. Without my permission they used my {$200.00} security deposit to apply towards my balance rather than return my security deposit to me. They have repeatedly up to date as currently as XX/XX/XXXX refused to remove any late payments that were under dispute and just keep sending letters or phone calls to delay the process They have also refused to send any receipts toward the charges applied to my account, but only will allow me to order statement copies.
Consumer complaint received 2019-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (NV)

On XX/XX/2019, I was notified by XXXX that something from Waypoint Resource Group was posted to my credit report. Upon review, I didn't recognize the amount of {$130.00} or that company. After some research, I learned it was originally from XXXX XXXX, a local phone/internet company in XXXX XXXX, NV. I did have an account with them but have closed it over 2 years ago, returned all the equipment and paid my balance. Waypoint Resource Group has since posted the collection 2 more times to my account, each time I was only alerted by XXXX, never was I contacted by this company or XXXX. XXXX on XX/XX/XXXX, then again on XX/XX/XXXX and again XX/XX/XXXX. I've attached a payment receipt for the closing of the account which shows the payment confirmation in the amount of {$130.00}, I can only assume this is the same account since I only had 1 with XXXX and as I stated, it's been closed for some time. Waypoint is fraudulently reporting this same closed debt over and over again in an obvious effort to pressure me into paying.