davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX and XXXX and XXXX, XXXX, I sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information yet, failed to respond to my questions of their methods of verification. XX/XX/2022 I resent letters certified with tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately said no and gave me correspondence stating that US Bankruptcy Court do not report or provide information to credit bureaus or any other agencies. XXXX sent me an opt out letter stating they protect my information. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681. 15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; 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/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. You have violated my given rights under 15 U.S.C. 1681. According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy. According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions. According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-24
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: CCB Credit Serivces, Inc (IL)

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission.
Consumer complaint received 2021-12-23
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: Resurgent Capital Services L.P. (NY)

On XX/XX/XXXX I sent out a validation letter via certified mailing to the 3 major credit companies ( XXXX XXXX XXXX XXXX XXXX ) to resolve the issue at hand, kindly asking them to remove and delete the accounts that are very much inaccurate.There are several closed accounts from dates unbeknownst to my knowledge being reported also these accounts are still reporting " active '' activity. XXXX and XXXX has yet to delete and remove these accounts. This is affecting me tremendously and hindering me from obtaining credit. If these alleged accounts are " closed '', " charged off '' why are they being reported and reported inaccurately and having active activity to this present day when its been closed since the year XXXX & XXXX.
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MUFG AMERICAS HOLDINGS CORPORATION ()

Dear XXXX, I had received the XXXX copy from our client to make fund transfer to our XXXX BANK XXXX XXXX XXXX to buy our Rice on behalf of company in the XXXX Country XXXX XXXX in amount of US {>= $1,000,000}. but until now I did not receive this amount in our bank from MUFG Union Bank, U.S.A. In this transaction I think that is fraud and I also sent email to bank for confirm but non reply.
Consumer complaint received 2023-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (CO)

I had a medical debt that was paid. They keep calling and harassing me on a daily basis. They call and I do answer and they hang up on me multiple times a day. I asked for proof and they said they dont have to show me. Im getting tired of being harassed.
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION ()

We are the account holders of a Santander Value Checking Account, # XXXX. For many years ( including from the previous banks that were in turn acquired by other banks, until the account was acquired by Santander ), we received monthly statements. The last statement we received was in late XXXX, for the period XXXX. The balance in the account is {$2400.00}, an amount which should remain stable - our account is charge-free with a minimum deposit ( which we have ). We have not authorized anyone else to access these funds. We are pensioners, and we kept this money in our account for a rainy day. When we need to use these funds- they vanished! In phone calls to the bank ( the latest call on XX/XX/XXXX ), the service representatives claimed that no such account exists. In a previous call, the representative transferred me to the Unclaimed Property Division of the Massachusetts state government ; an online search did not find any property under this account number ; a search on XX/XX/XXXX had the same result. When I spoke with a representative ( " XXXX '' ) on XX/XX/XXXX, he could find no record of this account, and said I should go to my branch- despite my telling him that we have had no branch for decades, due to the series of bank acquisitions. Santander has made no effort to inform us of any change in the status of our account, despite the bank 's having our mail address- where we received monthly statements, and our e-mail address - over the years we received season 's greetings to our e-mail account. Neither our mailing address nor our e-mail has changed. Please help us to recover this sum!
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I'm a guitar XXXX, and I needed a quality case for a vintage acoustic I had recently purchased. I placed a want ad on an internet guitar forum that I often frequent, buy & sell, and am well known from years of participation. I received a response on XX/XX/2012. The scammer presented four very nice pictures of a case that would work quite well. His pricing, including shipping, was at market value, so there were no red flags raised at this point. I responded that I would like to buy it and please send me your XXXX XXXX He responded that he preferred to be paid by XXXX. 

I had only received money from family members using XXXX and really didn't know how to even use it. He said he would walk me through it and provided an e-mail address ( XXXX ) to which I should send the money. My first red flag was the email address he had contacted me from which is different than the aforementioned e-mail. It is XXXX. I had never seen that e-mail provider before, so I did a XXXX  search. 

The XXXX  search told me that it was a legitimate e-mail servicer, but something else came up in the search : a warning from another on-line forum member that XXXX had scammed him. So, I wrote him again and asked a lot of questions. He said he was in XXXX The XXXX is based in XXXX, so that made sense. I told him I needed a tracking number, and he said he was going to take care of all of it after work. Seeing it was early in the morning, that seemed like a reasonable thing to say. 

Of course, after all of this he has gone completely silent. But, I suspected a scam early that morning, and here is where the big problem comes in as far as I'm concerned. My bank, Truist was recently formed by a merger between Sun Trust and BB & T. I had been a Sun Trust customer since their inception, and they always had superior cusomer service. On my bank account, it said this transaction was still pending. But, when I called customer service, I had a 30 minute wait and ended up speaking with a woman from the XXXX who I couldn't understand. I requested she connect me with an English speaking rep, and she transferred me to the same place I had started from when I got this lady. After holding for over half an hour, I gave up and went to the bank. 

Here I got an even bigger surprise. I had done business with the rep I spoke to many times over the years. She was apologetic about the poor customer service, but said there was nothing she could do as this was a result of the merger. She told me to go home and go on my on-line banking to file a fraud claim. I am convinced that I would have received adequate customer service, we could have stopped this transaction while it was still pending. That's where my bank failed me miserably.
Consumer complaint received 2021-12-23
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ROLS INC (IL)

I contacted original creditor regarding bill for {$24.00} ( XXXX ) and debt collector, CBQ ( XXXX ) for bill of {$48.00} to let them know that this debt is not owed by me, that this debt can't be collected because my income is Federally protected, as well as sent them both a cease and desist letter. The amount of the debt is misrepresented, and according to Federal Law, the medical facility can not do balance billing ; therefore, I am not required to submit any payment for any alleged balance they claim I owe. CBQ continues to call my number, via ringless call, going straight to voicemail ; and I have received two letters from them after, sending rhe cease and desist letter. 
TO REMOVE ACCOUNT FROM CREDIT BUREAU.
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

We wired {$80000.00} on XX/XX/XXXX from XXXX  XXXX XXXX to XXXX XXXX XXXX, the receiving Bank is HSBC BANK USA, NA. The beneficiary didn't receive the founds {$80000.00}. Then, we asked XXXX  XXXX XXXX to recall the founds back, they send three recall message to HSBC bank USA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, But HSBC BANK USA never responds.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (WI)

I consistently check my credit report and noticed that the errors and false information for this account did not meet the credit report standards of being 100 % correct. This has damaged me and held me back from progressing for quite some time. According to the consumer law code 15 U.S.C code 168ic ( b ) and 15 code U.S.C Code 1681i ( 5 ) this account is in Violation for reporting this information without my consent or knowledge.
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (NJ)

Hi I am submitting this XXXX XXXX his 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 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  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 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX 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.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me 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 120 days 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 87 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX.
Consumer complaint received 2023-02-03
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)

In accordance with the fair credit reporting act. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under is U-S-C- 1681. 
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 account number # XXXX Name= XXXX XXXXXXXX account number # XXXX Name= XXXX XXXX account number # XXXX Name= XXXX XXXX account number # XXXX Name= XXXX XXXX XXXX XXXXXXXX Name= XXXX XXXX # XXXX Name= XXXX XXXXXXXX # XXXX Name= XXXX XXXXXXXX # XXXX Name= XXXX XXXXXXXX # XXXX Name= XXXX XXXXXXXX XXXX # XXXX Name= XXXX XXXX XXXX XXXX XXXXXXXX Name= XXXXXXXX XXXX XXXXXXXX # XXXX Name= XXXX XXXX XXXXXXXX Name= XXXX XXXX XXXX XXXX Has violated my rights.. 

15 U-S-C 1681 Section 602 A- Stat 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 instruction. 
15 U-S-C- 1681 C- ( A ) ( 5 ) Section state : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other advice item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U-S-C 1681 -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the infomation is inaccurate.
Consumer complaint received 2019-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (VA)

SO i started with fedloan the consodilation on XX/XX/31 my name is XXXX XXXX i was told i had to pay XXXX for the first 3 months after my first payment i found out the XXXX $ was never even going towards my loan in which i was super upset about because the man XXXX never explained that to me in which i assumed it goes towards my loan because why else would i be ok sending XXXX $ After being upset about that another teller explained that they are better than navient because they dont charge interest for paying back the loan so i should stick with them remind you this is almost verbatim of what he said so i thought well no interest i can spare XXXX $ for that after paying all 3 payments i was told i only dont have to pay interest for the first 3 years in which that completely upset me because it was one of the reasons i didnt go back on the whole process in the beginning. Then afer all this i start seeing interest accumulating on my account now up to XXXX $ when i complained they told me that consolidation is not done yet and that is why i am getting interest so now im completely furious by now since this is far from the deal now the 90 days has been passed and it has now been 101 days and literally daily they are accumulating interest saying it wont stop until its completed. Im upset that i ever even paid XXXX $ for this flock of lies. I honestly am not okay with none of this situation and want to see what someone can do about it
Consumer complaint received 2022-10-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management (FL)

On XX/XX/2022 Fox Collection Center made false statements as it relates to my complaint. 

They stated quote, We have explained several times that we have to verify information to ensure that we are not sharing personal information with the wrong person. We are following the law. Thank you. 


Fox Collection Center is sadly mistaken as it relates to providing a response through this agency ( CFPB ) Providing a response through other agencies like the XXXX  is unfortunately not sufficient and FCC is obligated by law to provide and prove a response through the CFPB to the consumer that proves the debt is validatied. In your response, you have stated quote, " We have explained several times that we have to verify information to ensure that we are not sharing personal information with the wrong person ''. This is the first time that I have received any type of response through the CFPB. Fox Collection Center is more than welcome to present any evidence that they have that proves they have sent any response through the CFPB that explaines several times that FCC have to verify information to ensure that you have not shared personal information with the wrong person ''. 


Fox Collection Center also failed to provide the date in which I found my dispute.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX/Account # XXXX, XXXX/Account # XXXX and # XXXX ( XXXX  XXXX ), XXXX XXXX XXXX/Account # XXXX XXXX 
XXXX, Experian, 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 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I forgot to pay citi XXXX and lady called me and asked me to pay. and she said she would waive the late charges if I pay it off so I paid it off but she did not waive the late charges and immediately hung upon me after I paid. I will never make payments to citi XXXX  again if this late charge does not go off.
Consumer complaint received 2023-02-03
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. (FL)

This is my second attempt to get credit agencies to comply before legal action is taken for violation of my consumer rights. I will be seeking {$1000.00} in damges per violation. 

In accordance with the Fair Credit Reporting act. The List of closed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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  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 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 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.