davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
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)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-05-24
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: Avant Holding Company, Inc. (NJ)

I have had the Avant credit card since XXXX  of XXXX. I have never been late on the card up until XX/XX/XXXX, I scheduled my credit card payment for the scheduled date and it posted business days later. After that late charge and I followed up by paying the card off in full on XX/XX/XXXX. I called and asked as a courtesy if the late fee can be refunded/waived. The representative that I spoke to, said she would put in the late fee waiver request. Two days, later I received a letter via email stating that the request was denied. I called multiple times since XX/XX/XXXX and each time spoken to representative XXXX  despite my request to speak to the corporate headquarters in Illinois. Also, I dialed the corporate headquarters toll free number and was routed to an XXXX  contact center. Some of the representatives there have been rude, short and unable to explain the terms in the credit card agreement that prohibits fee waiver as a onetime courtesy. Most importantly, I made a payment in full, and despite that balance remaining on the account after the statement cycled on XX/XX/XXXX was {$52.00} and that amount was due in full for the next payment date of XX/XX/XXXX. I called to inquire on how I owed this amount, which I am disputing. Again, the representative was uninformed, and short. The minimum payment generally is a percentage of the balance owed not obligating the consumer to pay the full amount. Finally, as of today 's date, XX/XX/XXXX the account is showing I have negative XXXX available despite the fact I paid the balance in full and made an overpayment. I believe Avant is misrepresenting the credit card agreement, stating false information over the phone and providing inaccurate updates of the credit card account 's current and available balance. I have not been able to access my account funds as a result and have spent countless time trying to reach corporate headquarters regarding this matter. IT IS BAD CUSTOMER SERVICE AND NEGLIGENT.
Consumer complaint received 2022-05-24
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. (VA)

XXXX XXXX Bankruptcy reference # XXXX has inaccurate reference numbers, inaccurate court locations, inaccurate date filled/reported on all three credit bureaus making information invalided
Consumer complaint received 2022-05-24
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. (VA)

XXXX XXXX  Bankruptcy reference # XXXX has inaccurate reference numbers, inaccurate court locations, inaccurate date filled/reported on all three credit bureaus making information invalided
Consumer complaint received 2022-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Knight Adjustment Bureau (UT)

I was contacted by a debt collector to get a payment for my account but then they were also trying to get me to pay for a different debt which wasn't even for me. The agency didn't give me any information on what they were collecting. They were getting upset because I was asking questions, I was only trying to figure out what was going on. I also would ask them to explain some of the words he was using as I am not familiar with them, it would only upset the man on the phone. Then after I had bombarded him with questions he looked into it and found out that account wasn't even mine! I didn't even get an apology for it, if I wouldn't have asked I would have been scammed into paying someone else 's debt. I not only think this was fairly inappropriate but also violates XXXX.
Consumer complaint received 2022-05-24
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. (TX)

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

It is past the 4 days and no action has taken. When I call I'm told to keep waiting
Consumer complaint received 2022-05-24
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IN)

On Friday, XX/XX/XXXX, I received a call from Citibank executive manager, XXXX. She apologized and told me how Citi was going to take discplinary action against employees involved in this case. This is regarding the Consumer Financial Protection Bureau now-closed complaint ID XXXX. I told her I am closing my account immediately due to what they did to me. XXXX told me they would overnight me my cashier check from the account I closed, an ACCELERATED SAVINGS account, and the check would include interest earned. She promised to email me a tracking number and even suggested that it will likely arrive Monday " because of the weekend, '' she said, even though it was a next day air. As of today, XXXXXXXX XXXX / EST on TUESDAY XX/XX/2023 she has not given me a tracking number, nor have I received the check with my funds. 

I have contacted the XXXX XXXX XXXX XXXXXXXX to who has kept my case open, to update my case. At this time, I consider my money missing and / or stolen.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

After years and years of paying interest fees to Capital One, I was finally able to paid off my credit card. However, Capital One still decided to keep charging me for interest fees for a balance that was paid in two billing cycles XXXX thru XX/XX/2022. I was hit with {$14.00} for interest charges for XXXX statement that was paid in full. 

I called Capital One 's customer svc I spoke to a lady named XXXX in XXXX, AZ but she hung up. I called again and spoke to a lady named XXXX in XXXX. I requested to be transfer to a supervisor in the U.S and I've got XXXX in VA. The supervisor refused to credit me back the interest charges because, she said there was nothing else she could do. She provided me with the Capital One po box for their corporate office.
Consumer complaint received 2022-05-24
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)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2022-05-24
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. (TX)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2022-11-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

In XXXX I submitted my complaint pointed out how the Servicer - Rushmore Management LLC provided me with a Re-Instatement figure and in that Re-Instatement figure how it included payments that I had already submitted payment for via their attorney on XX/XX/2021, and how because of Rushmore 's error how this has resulted in me being denied assistance from the XXXX program in my state of XXXX 

In Rushmore 's response to me they asked me to provide them proof that I paid them {$6000.00} on XX/XX/XXXX with. For perusal I am attaching the canceled check from my bank.
Consumer complaint received 2022-05-24
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. Please provide the Bill Of Sale or original loan documents. I have not received this information Per Section 623 ( a ) ( 3 ) I believe my right are currently being violated and this is also a violation of the FCRA. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX inaccurate collection/chargeoff, inaccurate last date active, inaccurate date of last payment throughout all XXXX credit company. Information is not valid and proven to be inaccurate.
Consumer complaint received 2022-05-24
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. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2022-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I never open a business account with XXXX XXXX i never own a business. And now i been charged XXXX. I have report identity theft and now submit this report this is hurting my life and my future for a business i didnt own and a account i never open.
Consumer complaint received 2022-05-24
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. (GA)

The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this. 

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 an account without my written instructions I did not give anybody written instructions
Consumer complaint received 2022-05-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: TRUIST FINANCIAL CORPORATION (TX)

This is a follow up to complaint # XXXX. I contacted the company numerous times. No one answers my call, and no one returns my message. I paid off my car and need my title returned with release of lien. Over 60 days has passed since paying off the car.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (OH)

XXXX I realize I never received my Discover Card statement, which i normally get my statement by mail around the XXXX of the month. I called Discover and they claimed I opted in for paperless statement which was a lie. Discover claimed they would take care of it. On XXXX XXXX I finally received my statement from Discover, which made my account late. I have been with Discover Card since XXXX  and have never missed a payment nor been late. I wrote a check for the full amount of {$550.00} then went to the post office and mailed my payment. Discover claimed they didn't receive my payment until XXXX XXXX. 
For my XXXX statement I received a statement stating I owe {$1000.00} which was a lie. My total owe for XXXX was {$660.00} which I paid in full on XXXX XXXX. Discover claim I never paid my XXXX payment of {$550.00} which was a lie. I have my statement showing that my bill is paid and my statement from my checking account stating it was paid. Discover is claiming I owe {$450.00} plus late charges that I refuse to pay. Discover can not show me where I missed any payments or made any charges. I have talk to numerous customer service representatives, I have yet not received one phone call from supervisor like I asked several times. I am still getting the run around today. I even ask Discover if I owe this amount, show me what I owe, and explain to me what I owe, which they have not done to this day. I have always paid every bill I have made on time and paid in full, so why wouldn't I not pay my bills now. I am a XXXX XXXX XXXX elderly man who is being taking advantages of and I need help to solve this matter.
Consumer complaint received 2022-05-24
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. (VA)

XXXX XXXX XXXX XXXX inaccurate collection/chargeoff, inaccurate last date active, inaccurate date of last payment throughout all XXXX credit company. Information is not valid and proven to be inaccurate.
Consumer complaint received 2022-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

In accordance with fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 : states I have a right to privacy.

15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not Treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-24
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  U S DEPT OF ED/XXXX {$1000.00} -Account # XXXX, has violated my rights. 
U S DEPT OF EDXXXX XXXX XXXX XXXXAccount # XXXX, has violated my rights. 
U S DEPT OF EDXXXX {$2300.00} -Account # XXXX, has violated my rights. 
U S DEPT OF EDXXXX XXXX XXXXAccount # XXXX, has violated my rights. 
U S DEPT OF EDXXXX {$3900.00} -Account # 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 Inquiries : XXXX XXXXL Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2022-05-24
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. (NC)

On XXXX XXXX, 2022 I mailed in a letter requesting the deletion of several accounts that were inaccurately reporting to my credit. The company did not give an update regarding the investigation. The company also refused to properly update and validate the disputed accounts. In addition to the above, I requested the removal of ALL credit inquiries reporting to my credit that are NOT tied to an open account and the company has not cooperated in any way.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XXXX XXXX, 2022 I mailed in a letter requesting the deletion of several accounts that were inaccurately reporting to my credit. The company did not give an update regarding the investigation. The company also refused to properly update and validate the disputed accounts. In addition to the above, I requested the removal of ALL credit inquiries reporting to my credit that are NOT tied to an open account and the company has not cooperated in any way.