davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
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. (MI)

I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reporting inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. 

Please do not delete my credit report as this is a request to correct certain error on my credit report that I am pointing out to you. 

I take my credit report status very serious as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. 

Please review and correct or review and delete the inaccurate information asap.
Consumer complaint received 2017-09-25
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: CITIBANK, N.A. (FL)

Attention : XXXX XXXX Dear XXXX, I have contacted you about this matter recently and I disagree with you declining that this inquiry is mine first of all. I wo n't allow you to accuse me of something on my credit file and I told you i am not aware of it. Prove the verification process and the proper protocol you took please. This is my final attempt to send you this goodwill letter to remove the inquiry immediately or your company will pay the consequences when I contact my lawyer so we can take immediate legal actions for accusing me. Under FCRA the consumer has the right to dispute information that does n't belong to him or her. You ca n't tell me it 's mine and I 'm disputing it. I was recently affected by the XXXX XXXX XXXX and my information was also leaked and someone used my identity.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2021-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (DE)

This company is deceitfully misclassifying themselves as a Creditor when in fact they are a collection agency to purposely cause me harm! This is a violation of the Equal Credit Opportunity Act which specifically states that a Creditor is an individual who extends credit. They know they dont extend credit and they know they have no business agreement from which there was ever a start date. Remove this immediately!
Consumer complaint received 2017-09-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (MO)

DURING MY DIVORCE, MY EX-WIFE USED MY CHECKING ACCOUNT AND INFORMATION TO OBTAIN A PAYDAY LOAN FROM XXXX XXXX. I DID N'T KNOW ABOUT THIS LOAN BECAUSE SHE GAVE THEM WRONG CONTACT INFORMATION. NOW I 'M CONTACTED BY A COLLECTION COMPANY FOR XXXX XXXX. I INFORMED THEM THAT THIS IS NOT MINE, I HAVE FILED THE FRAUD PAPERWORK AND SUPPLIED THEM ALL OF THE INFORMATION FOR MY EX-WIFE. THEY STATED THAT THEY DO N'T CARE AND THAT I HAVE TO PAY IT. I TOLD THEM THAT OUR DIVORCE WAS IN THE LAST STAGES AND I HAD LEGAL SEPARATION PAPER. PLUS, WE DID N'T LIVE TOGETHER FOR THAT YEAR. THEY STATED THAT I WOULD HAVE TO PAY IT OR THEY WILL SUE ME. 
I TRIED TO REACH OUT TO XXXX XXXX BUT THEY REFUSE TO HELP. STATING THAT I HAVE TO PAY IT OR THEY WILL SUE ME.
Consumer complaint received 2023-04-17
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: World Acceptance Corporation (OH)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Someone needs to hold them accountable for this
Consumer complaint received 2023-06-22
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. (FL)

I received a credit card from XXXX Bank in the mail at my home. I never applied for this card or requested a card from them. 

I then go on to find that there is a hard inquiry on my credit report for this and showing a new account on my report. I never asked for this and highly believe that this is fraud.
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc. (IL)

I am writing to address a serious issue regarding my credit report that requires your immediate attention and resolution. Upon reviewing my credit report, I discovered that a lender has reinserted an account that was previously removed. This reinsertion has adversely affected my credit score and overall financial standing. 

What is particularly concerning is that this reinserted account has been reaged, a practice that is not only inaccurate but also constitutes a violation of consumer protection laws. Reaging involves changing the date of last activity on a debt to extend its appearance on a credit report, which is not permissible under the Fair Credit Reporting Act ( FCRA ). 

The reinsertion and reaging of this account represent a clear violation of the FCRA, which stipulates that consumer reporting agencies must ensure the accuracy of the information they report. Moreover, it mandates that any disputed items be thoroughly investigated within a reasonable timeframe. XXXX 's failure to properly investigate the reinserted and reaged account demonstrates a breach of its responsibilities under the FCRA. 

Additionally, the reinsertion of the account without providing me with prior notice violates the Fair Debt Collection Practices Act ( FDCPA ). This act requires debt collectors to furnish consumers with written notice before reporting any information to consumer reporting agencies. As I have not received any such notice regarding the reinsertion and reaging of this account, the lender 's actions are in direct violation of the FDCPA. 

I hereby request that XXXX conduct a comprehensive investigation into the reinserted and reaged account and provide me with a detailed explanation of its validity. Furthermore, I insist that XXXX remove the disputed account from my credit report immediately until the investigation is completed and resolved in accordance with the FCRA. 

Please furnish me with written confirmation once the account has been expunged from my credit report and the investigation has been concluded. Your prompt attention to this matter is greatly appreciated, and I anticipate a swift and satisfactory resolution
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Capital One won't verify my phone member making any king of online payments impossible through their website or app. When I call to make a payment they won't accept a debit card. They will only accept a check with my account and routing number. 

I don't trust them with that information and I don't trust that they will process a payment in time to prevent me defaulting on a payment. I have serious suspicions that they are deliberately trying to make me default on a payment. 

My first payment is due on XX/XX/XXXX and as of XX/XX/XXXX I have already been trying to unsuccessfully make a payment for three days.
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I made a counter deposit in person at SunTrust branch of certified cashiers check from XXXX to be deposited into my named personal checking account ( in good standing no bounces, customer for 15 years ) on XX/XX/2021. The check was paid according to XXXX XXXX on the XXXX of XX/XX/2021. Suntrust held the funds until the XXXX of XXXX on the grounds that they have confidential information that the check may not be paid. I went in person to SunTrust on the XXXX of XXXX to inquire as to why my funds were held. XXXX XXXX, Vice President and branch manager of SunTrust XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( direct XXXX ) reported to me that the check had not yet been paid and the funds would post as soon as the check cleared. I then went in person to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and spoke with XXXX XXXX XXXX who provided that the check had already cleared on the XXXX of XXXX. I called and left a message for XXXX XXXX providing contact information for the XXXX representative and appraising her of my findings. At that point, I was contacted by email from XXXX informing that my case was being researched. On XXXX XXXX, XXXX XXXX returned my numerous attempts to contact her. She informed me that the funds would be held until the XXXX XXXX. She informed me that she was aware that the check was paid. She offered as a reason that the check was " a lot of money '' which is not a valid reason in 12CFR229 to hold funds. SunTrust acted in bad faith and provided no valid reason for holding funds.
Consumer complaint received 2021-11-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (PA)

On XX/XX/2021 the XXXX XXXX sent {$2000.00} to XXXX Bank in my name ( COVID relief fund ). On XX/XX/2021 I intiated a bank transfer from XXXX XXXX to my checking account in PNC Bank. Unfortunately, I entered an incorrect PNC Bank checking account number. After about a week when the {$2000.00} transfer never hit my checking account I started following up with XXXX XXXX. I corrected the checking account number on the XXXX XXXX record. Their escalation team indicated their records showed the transfer was initiated to PNC Bank. I checked with PNC Bank escalation team. They had no record of the transfer reaching PNC Bank. Both XXXX XXXX and PNC Bank escaltion teams asked me to check with the XXXX XXXX.XXXX XXXX XXXX escalation team indicated their record shows the money being " deposited '' on XX/XX/2021. I have had several conversations with the escalation teams from the XXXX XXXX, XXXX XXXX and PNC Bank. None can " find '' my {$2000.00} and credit my account.
Consumer complaint received 2017-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovate Managed Holdings, LLC (TX)

I received my credit report from XXXX, which show inaccurate information from company INNOVATE LOAN SERVICING CORP, I have sent letters, and tried calling the companies number provided by XXXX, with no response for 3 months straight trying to contact this company regarding this issue. The original creditor XXXX XXXX XXXX advised another company who sent me a letter showing a different amount owed. Please see this has my complaint.
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (FL)

I recently filed a complaint regarding the actions of Key Bank and I am not satisfied with the results. Key Bank refuses to take responsibility and the actions are unlawful. See my original complaint below. I am submitting it again. 

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT A person unknown to me tried to scam me via XXXX. They texted and left voicemails stating they deposited money in my account could I send them the money back. this was Sat XX/XX/2021. I didn't respond so the messages became nasty and threatening to 'charge ' me with bank fraud. I checked my account and there was a pending deposit of {$160.00}. I use XXXX and have never had it pend ; it's an immediate deposit. I checked my account again Monday afternoon XXXX est and the deposit was still pending. I called the local XXXX XXXX location in Colorado and verified the person didn't actually send the money and could cancel the deposit at any time. He agreed this is a scam. If I sent them the money, they could cancel that deposit at any time and I would be out {$160.00}. And with XXXX there is no recourse once you click that final submit button ... which they did not. I reported the two numbers they were contacting me from with FBI, CO & TX fraud departments. I texted them and let them know I reported their scam. Later on XX/XX/XXXX, a deposit was made to my account, assuming to cover their attempted scam.. they continued to contact and threaten me. then on XX/XX/XXXX, I received a letter from Key Bank stating they returned the money to this person due to the XXXX transaction could not be completed. Not sure what that means. I called Key bank and got the runaround. I spoke to numerous people in their fraud detection and fraud reporting departments. they said it was a bank-to-bank decision. XXXX XXXX called Key Bank on behalf of this scammer, and they decided to send this person the money from my account. NO ONE contacted me. No one looked at the notes on the account regarding the scam. The last person, I spoke with, XXXX, said there was nothing she could do and that was that. She was rude and disrespectful as if I did something wrong. What they did, Key Bank was criminal... I did not authorize them to take money from my account. I know the XXXX policy at XXXX and XXXX XXXX, I downloaded and read both, they had no right to touch the money in my account. They committed a crime.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (TX)

This account is fraudulent and does not belong to me, this debt is unable to be validated. 

I have never had a XXXX account. According to 15 USC 1692 ( G ) This needs to be removed immediately or I will take legal action. 

JEFFERSON CAPITAL SYSTEM Reported : XXXX. XXXX, XXXX + {$2000.00} Opened XXXX XXXX, XXXX ( XXXX XXXX  ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX  Closed No Info
Consumer complaint received 2024-04-01
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NY)

To Whom It May Concern, I am writing to formally dispute the collection account listed on my credit report with the JCS reference number XXXX. As previously communicated and in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I have validated that this debt is not mine. 

Under Section 609 of the FCRA, consumers have the right to dispute inaccurate or incomplete information on their credit reports. Upon thorough investigation and verification, it has been confirmed that I am not associated with the debt in question. As such, it is imperative that this inaccurate and erroneous information be removed from my credit report immediately. 

I hereby request that you take the following actions in compliance with the FCRA : 1. Remove the collection account with the JCS reference number XXXX from all three major credit reporting agencies ( XXXX, XXXX, and XXXX ) without delay. 
2. Cease all further reporting of this inaccurate debt to any credit reporting agencies. 
3. Provide me with written confirmation once the collection account has been removed from my credit report. 

Failure to comply with these requests within the required time frame may result in further legal action as provided for under the FCRA. 

Please be advised that under the FCRA, you are obligated to conduct a reasonable investigation into the accuracy of the information you report and to correct any inaccuracies promptly. The inclusion of inaccurate information on my credit report can have significant adverse effects on my financial standing and opportunities. 

Thank you for your immediate attention to this matter. I expect confirmation of the removal of the inaccurate collection account within 30 days of the receipt of this letter.
Consumer complaint received 2022-05-19
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 have been Notified my Bank ( XXXX  ) that New Activity on my crdit report, that I have opened a New Account as of XX/XX/2022. The lender reporting the new account opened on my name is XXXX XXXX, without my authorization. 
I consider this new activity as FRAUDULENT. Today I have already reported this Fraudulent activity to EXPERIAN.
Consumer complaint received 2021-11-12
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. (MI)

XX/XX/XXXX Date Opened XX/XX/2021 Balance {$37000.00} - " Different Dates of last activity '' XXXX XXXX Date Opened XX/XX/2021 Balance {$58.00}, XXXX " Different Dates of last activity '' XXXX XXXX Bank XXXX XX/XX/2021 Balance $ XXXX THIS IS NOT MY ACCOUNT! I have never heard of this bank nor have I ever made any payments on this account. " Validate Account ''
Consumer complaint received 2022-12-16
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. (MI)

I filed a complaint to block information identified as identity theft and there is information that is still not blocked. I filed the complaint with Experian, and XXXX on XX/XX/2022, and with XXXX XX/XX/2022. The complaint numbers are : XXXX, XXXX, XXXX. The companies have removed some information but there is still information as a result of identity theft on my report. DO NOT FILE A DISPUTE ON MY BEHALF. As this is not a request to dispute, this is a request to block information on my consumer report. 

I have called countless times to resolve this matter and only small success. The companies do not have my consent to report anything on my consumer report. I will attach the original FTC report and documentation.
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/2021, i received an email from Capital One Business Spark Checking, that they had noticed some suspicious activity and the accounts were on hold until some information could be verified. Friday, XX/XX/2021, I called the number that was in the email ( Fraud Department ), was told that the recent deposit of {$1400.00} that I had deposited in account XXXX couldn't be verified. So I gave the young lady my clients contact information. HOWEVER, she never verified the information and she has entered incorrect information into CO system. My client has signed a SWORN AFFIDAVIT stating that CO Fraud Department or anyone from CO has contacted him to verify his information. On that same day, Friday, XX/XX/2021, a gentleman screams at me and tells me CO has ended their banking relationship with me and I would receive a letter in the mail of why. He also stated that CO was going to make my clients bank take back the funds with regards to check {$1400.00}. My client felt like CO was saying he had done something wrong and said he spoke to his banker and told them NOT TO REVERSE any money, that he wrote the check and good luck to CO with that one. Now its Friday, XX/XX/2021, and I have no information from CO telling me why or when I will get my funds that were in the account. have been placed on hold, left messages, and tried my best to reach a human and every time it results with hours on hold and finally a message for me to leave a voice mail message and some one will call me back. HOWEVER that has not happed. My access to online banking was completely taken away, and i had not even printed XX/XX/XXXX bank statements. CO never reports on their statements of fees that is charged for overdrafts, however, after some research THAT IS VERY ILLEGAL WAS TOLD TODAY, FRIDDAY, XX/XX/2021 THAT IF WE WOULD GET OUR CLIENT 'S BANK TO REVERSE THE DEPOSIT, THEN THEY COULD SEND US THE BALANCE OF SAID FUNDS. This is because CO should be concerned, one of their people lied and didn't verify the information and said they did ... and said the check was fraud ... Which if it was FRAUD why did my clients bank HONOR THE CHECK, and why is capital one holding my money until my clients bank takes the funds back which would make it look like FRAUD... 

CAN SOMEONE PLEASE HELP..