davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In Accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumers rights to privacy under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED # XXXX XXXX/DEPT OF ED # XXXX, Has violated my Rights ...... 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also 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 report containing any of the following items of information any other adverse item of info other than records of convictions of crimes which antedates the report by More than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any info relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the info is inaccurate
Consumer complaint received 2023-03-09
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I am writing this letter to express my disappointment and frustration with the way the creditors have handled my credit account. I had a negative account with which was reported to the credit bureaus and was impacting my credit score negatively. However, I reached an agreement with these companies to pay off the outstanding balance, and they had assured me that the negative account would be removed from my credit report. 

Despite fulfilling my end of the agreement and paying off the balance in full, I have recently checked my credit report and found that the negative account is still being reported. This has been extremely disappointing and frustrating for me, as I believed that by fulfilling my part of the agreement, the negative account would be removed and my credit score would improve. 

I would like to request that you take immediate action to remove the negative account from my credit report as per our agreement. I also request that you provide me with written confirmation once this has been done. 

Please let me know if there is any further information you require from me in order to resolve this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE (NC)

We purchased our home XX/XX/2022 using a conventional loan with waived escrow ( all taxes and insurance were paid from closing ) from Highlands Residential Mortgage. Highlands then immediately sold our loan to XXXX XXXX. Highlands received a payment from XXXX XXXX at acquisition of our loan for {$600.00} for a charge Highlands claimed to have paid on our behalf that was, in fact, non-existent and possibly fraudulent. It is our understanding that XXXX XXXX will not vacate the charge from our loan until it has been paid back. At this time they are collecting it as a debt from us, when in fact, it was a fraudulent charge placed against our loan by Highlands Residential Mortgage. Highlands needs to make payment to XXXX XXXX for the {$600.00} they were paid under false pretenses before XXXX XXXX will remove it from our loan and reimburse the amount we have had to pay towards it in order to keep our loan current and in good standing. It has been over a full billing cycle since we have brought this to Highlands Residential Mortgage 's attention with no resolution. We have only received claims of needing more time, escalation, etc. but again, no resolution. XXXX XXXX refuses to vacate the amount from our account and we are having to make monthly payments via a new escrow with negative balance with XXXX XXXX for a credit from Highlands we did not receive. We have confirmed with all parties involved ; closing attorney, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  that all taxes and insurance were paid from closing funds with checks from the closing attorney and Highlands Residential Mortgage has not paid anything on our behalf before or after closing.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

This company is reporting inaccurate, unverified fraudulent information to my consumer report and its hurting me physically and mentally. I'm stressed that I cant get a job because of this inaccurate information on my consumer profile. As you see, XXXX is not reporting this account late, but Experian is. This is inaccurate information and I demand the late fee removed. If the late fee isnt removed, you are in violation, and I will bring charges up to {$5000.00}. Remove the late payments as its inaccurate.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

For multiple years Ive been going back and forth with capital one and XXXX XXXXXXXX about accounts which were opened with my identity and every time they say that they will clear it and its still not cleared
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 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 2023-02-28
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: Fidelity National Information Services, Inc. (FNIS) (NJ)

This is in reference to the Consumer Report sent by Chex Systems INC. While checking my report, it came to my notice that Chex Systems INC has furnished an account ACCOUNT # XXXX on my CHEX SYSTEM Report. 
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties. Therefore, ( bearing information regarding the alleged debt ) by XXXX XXXX XXXX XXXX will amount to Communication. 
I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 
The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information.

15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.

15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws.
Consumer complaint received 2023-02-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I have noticed this company lvnv funding LLC on my credit report. I have attempted to dispute this with XXXX several times. I have seen conflicting addresses to disputers with LVNV funding so I have called. I was told to send it to a XXXX XXXX XXXX. Lvnv funding is reporting two accounts on my XXXX and XXXX credit reports under the name XXXX XXXX one in the amount of {$1600.00} the other in the amount of {$1200.00}. I have asked for validation of the debt. I have received nothing. I have received two different statements from LVNV funding threatening to take me to court and sue me for the amounts listed. 
I LVNV funding to provide me with the proof of the money that they say I owe what it is for. Explain to me and show me how you calculated what I owe. Provide me copies of any papers that I showed I agreed to pay you what you say I owe. Provide a verification or copy of any judgment if applicable. Identify the original creditor. Provide the statue of limitations has not expired on this account. Provide proof that you are licensed to collect in the state of texas. Provide proof of your license numbers and registration agent. 
I have received no information from this company. I have no signed contract or dealings with this company. From my understanding it is a violation of the Fair credit reporting act and violation of fair debt collection practices for this company to falsely report that I owe them any money. I have contacted XXXX several times to explain I have no dealings with this company and XXXX refuses to remove this from my credit report.
Consumer complaint received 2019-11-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$750.00}, {$750.00}, {$12000.00}, {$220.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

-OPEN ACCOUNTS- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

-AUTO ACCOUNT- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 


-COLLECTION ACCOUNT- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$220.00} -This is not my account.
Consumer complaint received 2023-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (IL)

Cell phone I don't know when this account was open this Account was open .they said I did not open this Account, this is fraud! I told them years ago, XXXX, XXXX and XXXX when I notice items on my credit report, everything came in the from a collection agency.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I deposited money into the ATM. XXXX deposits and they only counted XXXX out of the XXXX deposits made. Filed a claim and got denied and yet they still claim that I did not deposit
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (MI)

Hello My name is XXXX XXXX, I have been dealing with an issue with AMEX and XXXX for a long time now, over 2 years. I paid an AMEX bill, and settled with them. You can contact AMEX, I have letters from AMEX showing I paid it. I even did a loan process and had to provide documents I paid this account off. The account number that I have because it was such a long time ago is XXXX. AMEX is telling me with XXXX I have some type of freeze or my credit etc. and they can not update my credit report to show I have paid and settled. This has ruined my credit since 2019. I keep contacting XXXX, they are stating I do not have a freeze on my report. I downloaded the app, paid for the service to unlock my credit report, still not working. I have given up on calling AMEX. I have paid many items that went into collections a while back, I paid, and settled, and all of them updated my credit report. AMEX Is stating they can not. I have no idea what is going on. AMEX has ruined my credit for many years now. I can not do anything about it. I have proof I have paid them. AMEX knows I paid them, but some how they can not update my credit report because of a freeze. There is no freeze on my credit. The balance is showing {$4000.00} but I settled. Two years ago when I filled my taxes, AMEX sent me a document to show the charge off, I had to taxes on that as well. This DEBT needs to be updated on my credit report to show settled in full, NOT UNPAID WHICH IS RUINING MY CREDIT. I am so frustrated with this. no one is helping me.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (NJ)

I filed a dispute with Way to go card in early XX/XX/2023. The representative deactivated my card as expected and told me that the fraud department would follow up. I received a package in my mail pertaining to my claim dispute in which I completed and faxed and emailed back to the listed fraud department contact. XX/XX/XXXX I called to check the status of my claim. I spoke to three different supervisor that told me that my claim was denied. They all told me it was denied fir inaccurate information. I asked for a copy of the denial and they told me I had to wait for a copy of the letter and that I would receive the letter in the next 3-7 business days. I explained that I would like a copy emailed to my email on file as I would like to have a clear understanding of why the claim was denied. An email was sent to XXXX. XXXX with a denied claim belonging to another person living in Virginia along with detailed information that is confidential and sensitive. The claim belonged to an individual living in Virginia. I attempted to call NJ child support directly and explained the frustration. I also called the number to the fraud dept of this card XXXX and was placed on hold for over two hours in which the call then got disconnected. I am out {$370.00} in unauthorized Lyft charges. This money is child support money belonging to my children. XXXXm frustrated with the banking system. I have yet to receive provisional credit. I am unable to speak to someone and I was sent another persons information. Not to mention that I received my new Way to go card in the mail today XX/XX/2023. It took this bank over a month to mail me a new card. This is absolutely illegal and unacceptable.
Consumer complaint received 2023-02-16
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. (FL)

XXXX XXXX XXXX XXXX. 
XX/XX/1992 XXXX In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX 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 consent. An account was made for {$75.00} dollars without my written consent to furnish this account. Please remove immediately it's hurting my livelihood. Thank you.
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC (NC)

U.S. auto sales went out of business leaving me with a car without license plates and XXXX XXXX with only having the car for 3 weeks. The car was not drivable. I called and i didnt get any responses. They closed all locations and sold the debt to another company which is west lake. I no longer have the car they came and repossessed the car due to non payment because the car was not drivable and I didnt have licenses plates only the temp plates which was expired. This is holding me back from getting a car because its reporting on my credit. On my credit its reporting {$16000.00} this was 2023 XXXX
Consumer complaint received 2022-12-02
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. (TX)

FCRA Violation personal information not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation credit cards not mine XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation credit card payments never late XXXX XXXX FCRA Violation other loans not mine XXXXXXXX XXXX XXXX FCRA Violation hard inquiry not mine XXXX XXXX XXXX FCRA Violation public records not mine XXXX  XXXX Bankruptcy : Bankruptcy XXXX  XXXX Bankruptcy : Bankruptcy XXXX XXXXXXXX : Bankruptcy XXXX  XXXX : Bankruptcy
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MA)

On XX/XX/2022, Citi had sent an email to me noting that due to " suspicious activity '' they were locking my account and then, one minute later, another email indicating that they were shutting down my checking account. There was over {$20000.00} of my own funds in the account. I was locked out of the account online, and called several times to verify myself via their fraud prevention team. Each time, they told me that I was not able to get access back to the account, my account was being closed with no explanation. 

My closure email was extremely vague : " Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your REGULAR CHECKING account, we found that you have violated the terms of your account per the client manual. '' The only issues in my account were a few external debit card transfer failures, directly related to issues by the processing bank. This was for transferring funds into my Citibank Checking Account. My account was never overdrafted, nor was there any illicit or otherwise negative activity on my account. Additionally, I had to wait several weeks for my check of over {$20000.00} which had been wrongfully held from me with no explanation, to arrive so I could use my own funds through a deposit to a different bank. 

There was never anybody else accessing my account except me and no " suspicious behavior '' to warrant a fraud team 's response.
Consumer complaint received 2023-11-01
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My XXXX  check written for {$4300.00} was cashed not by company I wrote it to and I tried stopping the check and XXXX put in a claim with Bank of America on XXXX and Bank of America refuses to respond