davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
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. (NY)

Notice To Cease And Desist I refuse to pay XXXX XXXX XXXX, XXXX XXXX XXXX and DEPT OF EDUCATIONXXXX  alleged obligations on my credit file because I have not signed a binding contract with the persons listed below. secondly if there is a contact binding me to any person listed below the signature is fraud and was not signed with my own hand. thirdly the persons listed below is reporting unverified information on my credit file with extortionate intentions to blackmail me into paying a alleged debt not owed to them there conduct is a violation of 18 U.S.C 894. Lastly i never gave the persons listed below written permission to use my personal information. the use of my personal identifying information was obtained by Aggravated Identity theft wherefore there conduct is a violation of 18 U.S.C 1028A.

If this credit reporting agency continue to report these accounts you admit to be conspiring to the crime committed by the persons listed below. FTC identity theft affidavit enclosed. 
XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX
Consumer complaint received 2019-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (VA)

On XX/XX/2018 I applied for a Barclays US credit card in order to transfer the balance from another card. In the application I requested that {$14000.00} be transferred from an XXXX card. I was aware that I would be charged a {$290.00} fee. On XX/XX/2018 I received an email from Barclays about my newly approved card and 3 ways to take advantage of it. No statement was attached to the email. The third link said Transfer a Balance and as I was unaware that my XXXX   balance had already been transferred ( again no statement was provided ) I looked up the current balance on my XXXX card and requested the balance of {$13000.00} be transferred. When I finally got my statement I saw that Barclays had made a balance transfer 2 times leaving me with an overpayment on my XXXX card. I called Barclays customer service on XX/XX/XXXX and asked that the 2nd payment to XXXX be reversed. The agent told me that would take 2 weeks and suggested I ask XXXX to deposit the overpayment back into my XXXX checking account which I could then use to pay off the additional charge on the Barclays account. XXXX did this for me the next day. When I checked my Barclays account I saw that my payment had been received but Barclays was now charging me a second balance transfer fee of {$260.00}. When I called Barclays I was told an investigation would be open and I would receive a determination in 7-10 days. It has now been 30 days and Ive received no response. Ive called once a week and have been told the investigation is pending. No one has ever called or emailed me to investigate the case. Please note : when Barclays paid my XXXX card balance off twice they put my new Barclays card almost {$15000.00} over the limit. Why would they allow my new card to go over its limit? Why would I request a payoff of over {$29000.00} on the XXXX card when the balance was under {$14000.00}? In addition to being charged an erroneous fee of {$260.00} due to their error, Ive also been unable to use the card because its so high over the limit. Please help me - every time I call Im told Ill receive a response in 7-10 days.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I opened a Capital One 360 joint savings account in XXXX XXXX. At the time it maintained one of the highest interest rates available for a savings account. I checked its interest rate today and found it is 0.3 %. Capital One has a Performance Savings account which lists a 3.4 % savings rate on its website. This account appears to differ only in name from my savings account. This feels like a bait and switch. Capital One indicates they no longer offer the type of account I hold. At no point has Capital One ever communicating they were changing the status of my account, or that they were changing their account names to offer more interest elsewhere.
Consumer complaint received 2019-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors' Service Bureau of Niles, Inc (NC)

You are hereby in receipt of notice under the authority of the Fair Debt Collections Practices Act regarding referenced file agency number XXXX that part, or all, of the alleged debt is DISPUTED as embezzlement, theft by deception and extortion failing to discharge all debts pursuant to 73rd Congress 1. CHS 46-49 June 5th, 6th 1933. House Joint Resolution 192 Bankruptcy Act of 1933 strictly prohibits the commencement or continuation of any acts to collect on a debt under the Automatic Stay Provision. H.R. 1491 to provide relief in the existing national emergency bankruptcy act. Public Law 1,48 Stat 1, Public Law 10 Chapter 48 Stat 112, Public Law 73-10 40 Stat 411, Trading with the Enemy Act of October 6th, 1917 1917
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX  XXXX Balance : {$25000.00}.
Consumer complaint received 2019-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp (NJ)

I signed up for student loan servicing through XXXX XXXX/Equitable Acceptance in XX/XX/XXXX. The service was pitched as a student loan relief/forgiveness program. I was told that XXXX XXXX/Equitable acceptance would significantly lower my monthly payment on my loans for two years and then I would have a XXXX  balance on my student loans after that time period. I started making payments XX/XX/XXXX.I was told my monthly payment was {$60.00}. I later found out that Equitable Acceptance was taking {$49.00} of that payment and paying XXXX to student loans. I was told they would manage my account and then in XX/XX/XXXX, my balance due skyrocketed and all my loans were due. It turns out that XXXX  XXXX  entered me into a repayment program that needed yearly recertification based on income but I was never notified that recertification was due. When I called them, they had me go through a recertification program but now my payments jumped to almost {$300.00} per month. When I told them it was too high, they said there was nothing I could do, the payments were based on income and my XXXX. I ended up calling XXXX myself and they were able to sign me up with a different program and lower my payments by almost half, while Equitable Acceptance continued to charge me $ XXXX/month. Since XXXX XXXX and Equitable Acceptance have not actually been servicing my loans and are unable to provide any student loan relief, I tried to cancel with them but they said I could not cancel until my entire {$1000.00} balance is paid off ( a balance/fee I was never notified of and never agreed to ). They haven't provided student loan relief, they simply signed me up for a program available to everyone that I could have signed up for on my own and then charged me a bunch of money to " service '' my loans, and then failed to do any actual servicing. I can't get anywhere with them. They are telling me I can not speak to a manager, and that if I do not pay the balance then it will go into collections. It's a total scam.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my TransUnion credit report by XXXX. Upon reviewing my credit report, I discovered that XXXX has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to XXXX or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that XXXX is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at [ Your Contact Information ] to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (CT)

I have sent Convergent Outsourcing Inc. multiple validation of debt letters which have been ignored. I expressively stated I wish only to work with my original creditor. This has been ongoing for months. Today I am going to my town hall to get my 4th validation letter notarized and sending it to this creditor in a final attempt for them to cease and desist. I will provide any and all information the CFPB that is deemed necessary. I do hope you will help me stop this collection agency 's disregard for my rights and requests. They are damaging my credit that I have worked very hard for. Despite my efforts requesting they Cease and Desist they are reporting to the credit bureaus still as of today.
Consumer complaint received 2019-08-14
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: Experian Information Solutions Inc. (FL)

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, XXXX XXXX XXXX, XXXX XXXX  ( Acct XXXX and XXXX ), XXXX XXXX, XXXX and XXXX.
Consumer complaint received 2024-03-15
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. (CA)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2023-03-02
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. (TN)

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave Equifax, XXXX and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiries and accounts that hurts my credit score.
Consumer complaint received 2019-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (NY)

Hi This was the letter I sent XXXX XXXX when I had paid off my credit balance in full a week later they lowered my credit limit for no reason, I asked them to reinstate my original limit but they said no! I feel as if they just wanted my money! I was never late paid more than my min payment! 


Im inquiring as to why my credit limit was decreased from {$1000.00} to {$750.00}? 
I know I had notified you guys regarding the reason I was not going to be able to pay the last two missed payments of XX/XX/XXXX and XX/XX/2018 due to someone had compromised my banking information, so the bank had to complete their investigation and I was unable to make any transactions using my bank account! And I had agreed as promised to pay off the full balance once the investigation with my bank was completed! And I paid off all my other accounts as well! I think it it unfair that this happened to me as a good customer with good payment history since my account was opened! I would like to be reconsidered to get back my original credit limit or extend my credit furter!! I can understand if my account wasnt in good standing! I also have a recording where I spoke with your representative on the phone when he explained and assured my account was in good standing and that it was ok to pay off my full balance!
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate. ( Marked as derogatory when it was paid to date and closed without debt ) Change or delete Thank you for your time.
Consumer complaint received 2019-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

I have been an HSBC Premier customer with both banking and credit products for approximately 4 months. From the beginning, HSBC has had on file both my residence address and a separate mailing address. The mailing address is also considered my credit card billing address. 

My mailing address as given to HSBC for all of my deposit and credit accounts is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX In my deposit accounts at HSBC, they have my mailing address correct and there are no problems. However, in my two credit accounts, HSBC negligently and carelessly lists my mailing address as : XXXX XXXX XXXX For some reason, their staff is not only incompetent, but also illiterate whereas they remove all vowels. 

I have corrected this address online at least six different times. After each correction, two days later they revert the correct address back to the illiterate version. I have phoned HSBC and spoke with their dedicated address change team and explained this issue and they corrected the issue on at least 5 different occasions. Again, two days later the illiterate version of my address reappears. 

This is causing me serious problems. HSBC has caused the incorrect and undecipherable version of my address to pollute all four of the major credit bureau files in addition to XXXX. In addition, this intentional and negligent pollution of of my credit bureau files has caused me to be denied two times for credit. Creditors decline my applications because, they state, " Unable to verify my identity ''. When I call these creditors to ask for an explanation, they state that the address I give on my application does not match the address on my credit bureau files. 

In addition, HSBC 's willful, negligent and incompetent conduct has caused me to have online purchases denied when the seller uses the Address Verification Service provided by the major card association. 

I have provided two attachments. One shows how I correct the HSBC address error. The second shows how the error reoccurs within two days of a successful correction.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FISERV INC. (TN)

I was working for a temp to hire company that paid me through the MoneyNetwork debit card. I had lost my debit card and reported it to MoneyNetwork. I was told they couldn't issue me a replacement card or transfer the money to another account but they could send me a check. 
I had moved onto a houseboat in a marina with no mailboxes except the marina 's business mailbox. I have a po box and they informed me they couldn't send the check to a po box .

I used a friend 's address and waited. Nothing. After multiple attempts to contact MoneyNetwork I wasn't getting any results. Called customer service and still nothing.

I finally came across a number and website for you. I wasn't sure who or how to contact anyone prior. After calling the phone number a woman directed me on what to do. About 2 weeks after calling MoneyNetwork customer service sent me an email stating they had sent the check in XX/XX/2022. I replied that I never received the check and asked what address they used and if the check had been cashed. No reply. After a few more attempts to contact still nothing. 
That brings me here today. 
It has been over 18 months and I really need my money. 
Thank you for your help resolving this matter. 
XXXX XXXX
Consumer complaint received 2023-01-22
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: EQUIFAX, INC. (MD)

XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-12-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC (FL)

In XX/XX/2019 I recieved a notice for the possibility of streamlining my current FHA loan to save money on a monthly basis from Village Capital. I called to inquire and the representative took some basic information and informed me that she would not be able to answer all my specific questions but that a mortgage specialist by the name of XXXX would be contacting me. A day later when XXXX contacted me, I inquired about my concerns and legitimacy of the streamline program and made it expressly clear that I would do research and get back to him if I was even interested in pursuing said streamline loan. After research, I found red flags and of course did NOT want to use their company nor did I ever call back to give any form of " go ahead '' or confirmation that I wanted the process to begin. My omission to call back was clearly not acceptable and I can only assume that after several unanswered calls, XXXX took it upon himself to pull pay off information from my current lender and process my loan. I did not authorize anything. When I recieved closing documents I became very alarmed and called both XXXX and the additional contact numbers that were given in the packet of documents. Nobody answered and I left a very detailed message explaining I NEVER gave permission for even my information to be inquired upon, let alone documents prepared for signing. I even warned them that it was an invasion of consumer privacy and that I would be reporting such information if they did not stop the process immediately. Low and behold yesterday, XX/XX/2019 I got a voicemail from a notary confirming my appointment, at my home, for closing! I was unbelievably upset that Village Capital could even begin to go as far without any acknowledgement to even request for payoff amounts, let alone proceed to closing when I provided them with NO information needed to proceed with any legitimate lending. I immediately cancelled that appointment and explained to the second party notary of said fraudulent company. I feel my privacy is extremely violated and my current and legitimate loan with XXXX XXXX could somehow be in jeopardy of being transferred. I have signed nothing, consented to nothing, and want nothing but for Village Capital and Investment to erase all information they have on me as if I never even called them to inquire.