davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (FL)

This is my second time reaching out to the cfpb for help after case XXXX was closed with no resolution or explanation. Bull City Financial Solutions violated the FCRA with a debt they say I owe back in XXXX. The issue still exist, Bull city has not yet verified the debt they say I owe and is still reporting the information on my credit report. Back on XX/XX/XXXX I mailed a written letter asking for validation to a debt placed on my credit report, and Bull city financial solutions failed to validate the debt and provide appropriate documentation. All proof of this was uploaded with complaint XXXX filed on XX/XX/XXXX. The CFPB failed to investigate thoroughly and continued to allow the information to be reported. 

Fast-forward to XXXX, I took it upon my self to try to settle this matter since I had been receiving no validation of the debt from bull city and no help from the CFPB. On XX/XX/XXXX I mailed a written letter once again, this time mentioning that bull city financial needs to validate my debt. The letter also mentioned that I did not believe the debt is mine but am willing to settle. A similar letter was mailed to Bull city financial on XX/XX/XXXX as well. 
Both of my letters were received and ignored by bull city financial solutions. 
My latest attempt to get validation from the company was me sending out yet again another debt validation letter. The letter was sent on XX/XX/XXXX and received on XX/XX/XXXX. 
Bull city financial solutions have yet to respond with the appropriate documentations needed to validate a debt under the CFPBs new Debt Collection Rules. ( https : //www.consumerfinance.gov/about-us/blog/understand-how-cfpb-debt-collection-rule-impacts-you/ ) Bull city financial has failed repeatedly to provide : Name and mailing information of the debt collector. 
Name of the creditor to whom the debt is owed. 
Account number ( if any ) associated with the debt. 
An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records. 
The current amount of the debt as of when the validation notice is provided. 
Information about your debt collection rights including how to dispute the debt.
Consumer complaint received 2020-07-29
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: WELLS FARGO & COMPANY (MA)

How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2018 for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-06-18
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. (PA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct XXXX XXXX XX/XX/2018 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 2022-03-04
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. (NY)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX XXXX
Consumer complaint received 2022-07-24
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account number XXXX, XXXX XXXXXXXX XXXX XXXX XXXXccount number XXXX, XXXX XXXX XXXX ( both listings ), XXXX XXXXXXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, and XXXX XXXX Account number XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Re : CREDIT REPORTING ERROR. Misreporting XXXX XXXX data reporting to XXXX and Equifax includes 1 ) dates of last activity on XXXX, 2 ) duplicate reporting on Equifax, and 3 ) balance on duplicate Equifax reporting.
Consumer complaint received 2022-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX ( both listings ), XXXX XXXXXXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, and XXXX XXXX Account number XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I went to deposit a XXXX dollar check online at XXXX around XX/XX/XXXX. The check never went through on my end but they still took the money and have not returned it. They stole this money and will not give it back. 
I want my money back immediately and have called them many times. 

Suntrust bank is a fraud!!!
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (TX)

Have bought {$500.00} visa gift card on XX/XX/21 and next drain card was fraudulently used. Contacted customer care and they've deactivated card and issued case number XXXX. Have filed dispute document on XX/XX/21. Have tried contacting company multiple times over the phone and sending emails regarding full refund of fraudulently used visa gift card with no success.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

on XXXX i, the consumer sent a letter in response regarding innaccurate and unknown things on my credit report.to this day over 47 days later. I have not recieved a response yet. I feel as a federally protected consumer im being taken advantage of and being igniored of my dispute. Section 611 ( a ), It is plainly that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. it has been over 47 days. So they should be deleted promptly. I demand these accounts be deleted immediately or i will file litigation due to the stress you have caused me. My infomation was also impacted by the equifax data breach and may have gotten int the wrong hands.
Consumer complaint received 2022-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Back in Nov.of 2011, I used a trial of XXXX XXXX on XXXX. I cancelled the trial through the Tv and screen confirmed. I noticed that the charge kept recurring, along with a XXXX XXXX charge I had disputed. I called both places. XXXX XXXX stated that they had no subscription or monies coming in for me. I tried to get in touch with XXXX, but this can only be done by signing up for a service. It states that the money can be refunded if you cancel the service, but this seems like opening ANOTHER can of worms. I tried again XXXX going to the XXXX XXXX app on my TV, but it states that there is no subscription, so Im not sure who is getting the money. As for XXXX XXXX, its a CA number and after trying repeatedly, I can get no one to answer the phone. I have been trying for months to close this Capital One card via letter, online chat and email. They all said that XXXX cant because of the outstanding dispute. In the meantime, the dispute with XXXX XXXX was resolved and the charges dropped. However, they said I had to wait XXXX days for the origin of the charge for the XXXX to respond. Meanwhile, my annual fee was added to my charges. I called about that and they said to pay it and when the XXXX charge was dropped ( I was assured it would be ) that this would be refunded. I did pay. I was assured XXXX in long phone calls that the charges after XXXX would be dropped and my card would be closed. Now we are almost into XXXX and not only have they not closed my account they say they are still waiting to hear from the origin of the charge for the XXXX, who, by the way, they cant identify!! Of course, I am also being charged a late fee. I am very frustrated. Every time I call I am reassured everything is taken care of, then I get another bill and spend another hour on the phone. Please help.
Consumer complaint received 2022-06-18
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. (PA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct # XXXX XX/XX/2018 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 2018-05-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NY)

I was contacted by XXXX XXXX XXXX to collect a debt from a Walmart credit card account. Once the women, I believe her name was XXXX, got me on the phone she asked if I was ( gave a name ) and I responded yes. She then proceeded to ask if this was the last four digits of my social security number and I told her she could not just give out the last four digits of peoples social security number. She had every right to ask me to provide mine but could not just tell me the last four digits of the social listed on the account. She became very aggressive and insisted that she could do this and continued to do so until I agreed that it was my social. And then she proceeded to take the same steps with the address on the account. If she had called the wrong number she would have given that person my name, last four of my social security number and my address. Everything someone would need to start stealing my identity. This company is putting people at a very high risk for identity fraud and something needs to be done to stop it!!
Consumer complaint received 2018-05-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

On XX/XX/XXXX my Vehicle was repossessed by 5/3 Bank, for what they are claiming was missing payments. I was not contacted in any manner regarding late payments or that my loan was in default. I have gave express consent to contact me via Cellphone and Email as you will find my attached documentation. The consent was given in XX/XX/XXXX for Paperless statements, for which I have not received a single one ( still to this day can not view on XXXX ). I gave consent for my mobile phone on XX/XX/XXXX which I have attached photo evidence from the XXXX XXXX XXXX on 53.com. I have been in contact with XXXX XXXX, constantly, since the incident took place. I have left countless voice mails over the past months, some were given response, the most recent have been ignored. I have provided to their agency documentation proving that my bank account had sufficient funds, that attempts were made to make those payments, that previous consent had been given for contact. My online payments were made but never received, hence the default result due to technical difficulties that 5/3 Bank have admitted to experiencing in and around those months.
Consumer complaint received 2018-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I have tried time and time again to convince XXXX and this XXXX XXXX that this debt was not created by me. I have never had XXXX and for them to sit there and tell me that I have is wrong. 

I have tried and tried to negogiate with these people and they refuse to corporate with me, I have never had XXXX XXXX.
Consumer complaint received 2022-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Bank 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 In accordance with the Fair Credit Reporting act XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX 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 In accordance with the Fair Credit Reporting act XXXX 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 In accordance with the Fair Credit Reporting act XXXX 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 In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/ 2022 at XXXX, I recieved an email invoice ( number XXXX ) from XXXX XXXX XXXX XXXX XXXX, reflecting {$2000.00} for XXXX car parts. I then checked my TD Bank account through the app and saw that there was a " pending '' charge of {$2000.00} against my account. I immediately called the TD Bank customer service line to report this transaction as fraud. At that time, I had my debit card in my possession. Incidentally, I reside in XXXX, Pennsylvania, and XXXX XXXX XXXX lists their address as being in XXXX, Georgia. 

TD Bank advised that they filed the claim and they would investigate it. I was advised that within 3-5 business days, the {$2000.00} would be credited back to my account. I was also advised that they would be conducting a complete investigation to confirm that I was not the one who made or authorized that debit. I offered to send any documentation that they might need and was told that they would let me know if they wanted the documents from me. 

I received the credit within 3 days. I then received a call to confirm that I received the amount, the claim was filed, and they were investigating it. I again offered to send any documentation that they might need and was told that they would let me know if they wanted the documents from me. 

On XXXX XXXX, 2022, when checking my balance on the app, I noticed that {$2000.00} credit was reversed on XX/XX/2022. I called customer service again and I spoke with a supervisor ( XXXX ) and was advised that because the claim was filed and denied, there was nothing else they could do. I was told that it was denied because they reached out to " the merchant '' and the merchant provided documentation that I somehow had authorized this transaction. I was told that if I refiled the claim, it would be denied again and that my only option was to go to the police.
Consumer complaint received 2022-07-24
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Bank 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 In accordance with the Fair Credit Reporting act XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

XXXX5 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 In accordance with the Fair Credit Reporting act XXXX 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 In accordance with the Fair Credit Reporting act XXXX 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 In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (FL)

XXXX XXXX I spoke with NCB managment around XXXX and informed them to send me everything in writing and to stop calling me. Since then I have received repeatedly, phone calls, text all hours of the day and I already told XXXX, a representative, prior to the phone calls that I wanted everything in writing and now a man has called me from the same number demanding my social and said " I was told in order for them to stop calling they would need the last 4 of my social although '' XXXX yelled at me before as well. I have opted out of text messages and yet, I still can not get around them.
Consumer complaint received 2022-06-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

I made an international wire transfer ( XXXX euro ) with Chase on XX/XX/XXXX, and it says the transaction was completed on XX/XX/XXXX. However, it never arrives at another account. 

On XX/XX/XXXX, I called them and informed them I made a wire transfer, but the other party didnt receive it. 

On XX/XX/XXXX, I sent a secured message, and they were saying they would investigate and help me to recall my funds On XX/XX/XXXX, I went to Bank, and reported my situation, Im hoping everything could sort it out. 

But still, I didnt hear anything from anyone. 
I only want to know where is this money.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: MIDFIRST BANK (NY)

I signed up the XXXX checking account under following terms : XXXX is offering a bonus of {$250.00} when you open a new checking account and complete the following requirements : Make two direct deposits of at least {$1000.00} each into your Spend Balance within 90 days of account opening. 
I completed the required activities and I confirmed with XXXX customer service representative that I would get the sign up bonus. However, XXXX changed their terms without advanced notification by adding additional term to disqualify my bonus : Maintain a beginning of the day minimum Relationship Balance** of {$1000.00} USD for fourteen ( 14 ) calendar days following your second eligible direct deposit. 
I contacted them and was told I should be getting the bonus based off the terms that I signed up for. However, as of today, XXXX refused to pay the bonus.