davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
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. (GA)

I contacted EQUIFAX on XX/XX/2021 about them colluding with the accounts on my credit report to commit identity theft and fraud. As a consumer and natural person EQUIFAX had no written consent from me to furnish these accounts on my report therefore they are in major violation of my consumer rights. Pursuant to 15 USC 1681 b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I, the consumer, gave NO written consent to furnish these accounts on my credit report. Also, pursuant to 15 USC 1681 ( a ) ( 4 ) : Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By furnishing this account on my report without the express written consent of me, the consumer and a natural living person, you are engaging in unfair and unethical practices as a consumer reporting agency. So I, the consumer, command that EQUIFAX remove these accounts from my credit report right now or face legal action. Finally, pursuant to 15 U.S. Code 1681c2 ( a ) ( 3 ) - Block of information resulting from identity theft - Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of the identification of such information by theconsumer. Therefore you have 4 business days, and Congress states EVERY day is a business day, to remove this from my credit report or be in further violation of my consumer rights and face heftier fines/fees and legal action. The accounts, addresses, inquiries, and names in question are attached to this report in addition to the FTC report and copy of 15 USC 1681c-2. They've had over 4 business days to remove these accounts that were created due to identity theft and have yet to do so placing themselves, EQUIFAX, in violation of 15 USC 1681 and pursuant to 15 USC 1681n each violation is worth {$1000.00}. Seeing that there are 46 accounts/pieces of fraudulent information on my report and in this attached ftc report, that's {$46000.00} that would be owed to me, the consumer if the accounts aren't removed before the end of this month.
Consumer complaint received 2021-12-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (RI)

Im a 100 % service connected vet. They are preventing me from owning a house with their lose tactics. The original amounts was {$1000.00}, theyre are trying to get me to pay {$2200.00}. I can solve this problem with ease, but Im XXXX XXXX XXXX XXXX XXXX XXXX. So this is me trying not to. But I dont see no movement, Ill assume you gave me the green can to. On XX/XX/2021 I sent a letter of validation to LVNV Funding to verify and or remove the debt, they responded by raising it. This tactics should not be allow, they have no legal claim to collect the debt, please help me or or Ill use all my military experience to go there and make this evil stop myself.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (NY)

I was questioning some information reporting on my credit report from XXXX so on XX/XX/18 I sent them a letter requesting more information this account for example statements etc. They responsded that what they are reporting is accurate. I'm sure they feel that way but I'm doubtful of all the data which is why i'm requesting the information.
Consumer complaint received 2022-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was taken advantage of due to mild practice of several laws were being broken under FCRA by your company this cause financial PROMBLEM DEFORMATION OF CHARACTER I CAN NOT GET A JOB AND APPLY FOR CREDIT I CANT EVEN GET A SBA LOAN DUE TO THE PANDEMIC .UNDER THIS CRISIS YOU HAVE HURT MY ABILITY TO APPLY FIR CREDIT I ALSO HAVE PROOF WITH TRACKING NUMBER THAT THE COMPANY HAVE GOT TA MY LETTERS
Consumer complaint received 2022-09-27
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One continues to claim that the solicitations and advertisements they send me will not affect my credit to which is absolutely untrue and I have in excess of over 20 plus inquiries on each of the three major bureaus. I have sent out request letters to have this corrected and the inquiries removed to no avail
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (AL)

After checking my credit report there are multiple inaccuracies from this company like date last paid, balance, recent payment history, status, and even date opened. My main concern however is that I was NEVER late on this account I have reached out not only to this company directly but to the credit agency as well with no response I have made consistent payments month after month and I would like to have these inaccuracies fixed as soon as possible as this has severely hurt my financial my standing. Please update the missing payments to current
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (NC)

XX/XX/2021, opened a checking account at BB & T, they gave me a few counter checks incase I needed access. Deposit over XXXX in the account, in XXXX I hire a paving company to redo our drive way, sent my wife with the counter check made out to her to cash it for XXXX ... ..her name is on the account POD, my money, they charged her XXXX dollars to access the fund and cash THEIR CHECK!!!!! 

This a racket ... .the state need to do something about this. Their check, no risk, they can look in the account and see if the funds are there and cash it. If not hand it back and try again tomorrow. 

What a joke ... .corporate theft
Consumer complaint received 2020-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: EAST WEST BANK ()

My East West bank account was closed by them in XXXX. My account number is XXXX and my name is XXXX XXXX. However, they still charged me {$25.00} per month for the management fee of the account after the closing.
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I am writing to follow up on my previous communication last time via mail, in which I requested validation of the alleged debt that I found from my credit report. 

LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was in Bankruptcy from XX/XX/XXXX until XX/XX/XXXX. I have clear bankruptcy and been discharged but the bureaus show the report as being a new bankruptcy account instead of it being cleared and closed. This cost damage to my credit score and the all credit reporting agencies need to correct this issue immediately.
Consumer complaint received 2019-08-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

Interest rate on the loan is extremely high. Im reaching out to your organization to review to this loan. In NY State are these rates legal? Complaint against the following company One Main Financial. Annual Percentage Rate 24.99, Amount Financed XXXX. Total payments XXXX
Consumer complaint received 2021-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

I applied for a American express business platinum card in mid-XXXX  while I was visiting XXXX. The site stated it would award XXXX membership reward points. Meanwhile, American express sent me a solicitation email promising to award XXXX points. I called AMEX and sent all the required documentation. I didn't hear from AMEX. I called after a month and explained and provided more details. I didn't hear anything. I called again and was told the solicitation was not meant for me. How is it possible when the letter is sent to me. I was promised I will receive an email within a week. So far I haven't received any email. I am contesting, AMEX 's argument that it was not meant for me. In that case why did it send me the mail, wasted my time, and resources to shred the letter. AMEX is ingenuous about the whole situation and trying to stiff the customer.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I was in Bankruptcy from XX/XX/XXXX until XX/XX/XXXX. I have clear bankruptcy and been discharged but the bureaus show the report as being a new bankruptcy account instead of it being cleared and closed. This cost damage to my credit score and the all credit reporting agencies need to correct this issue immediately.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (RI)

To someone who can help me the reason why I'm reaching out to the CFPB is because I've been a victim of identity theft not only did someone take out accounts in my name, but they also added me to other accounts as authorized users that is reported negatively to my credit report. They were able to get credit in my name. I've tried everything to rectify this situation and I can't get help from anyone, not even the credit bureaus I am a single father and these negative accounts that are caused by identity theft are preventing me from providing for my kids, and also buying a home to keep a roof over their heads. Please look into this problem for me. Hold the credit bureaus accountable and have them investigate and remove this item from my credit report.
Consumer complaint received 2022-09-26
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. (VA)

In accordance with the fair credit reporting act, this creditor XXXX XXXX XXXX XXXX XXXX  has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b states a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pro Com Services of Illinois, Inc. (IL)

You guy record me as i owed a debt with amount of XXXX XXXX and payment status is collection/charge off ( account status : derogatory ). Date reported : XX/XX/2021. The original lender is XXXX XXXX XXXX But the fact is that ive never been in that XXXX XXXX XXXX place before! I dont know what is it and where is it location! So why did i owed that lender a debt with the amount of XXXX XXXX? I dont know whats going on?
Consumer complaint received 2019-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I was searching for concert tickets to XXXX XXXX on XX/XX/19 on XXXX. I emailed one of the posts and provided my phone number. The XXXX person who posted the ad contacted me via text messaging. He asked for me to send the money for the tickets and he would then send me the tickets via email. I sent the money and the person who claimed to be " XXXX XXXX '' disappeared. I was never sent the tickets and his phone number was disconnected and his ad was removed. The XXXX Ad was post ID XXXX.
Consumer complaint received 2019-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2019 the bank decides to close my accounts ( Regular savings & Adv Plus Savings ) after a email communication very unclear, but when I try to use the funds were not available. I am told that the balance is will send by mail in a cashier check of the BofA. 
To date ( 2 months after closing ) the check ( s ) with the balances indicated they have not been received at the address entered in the bank in the XXXX XXXX XXXX XXXX and the explanations received by phone and XXXX do not answer where and when I will receive the money. 
The communications made on my side with the BofA ( Closure dptmt ) only respond to me that : the physical mail used does not have a tracking number and that the sent envelope does not have bank logo ; and therefore it is possible that them are lost ( who knows ... ). 
From my side I must wait and see in the check show up within the 90 days window that the bank has for a re issue of new checks. 
I find myself to date without knowing where my funds are, without being able to use them and with deceptive explanations that only tend to delay the return of my funds. 
As per today I'm facing direct and indirect damage due to the not availability of my money but this is not of importance to the bank. 
I'm still Bank of America customer through the credit card that I have valid and operational, however I see clearly that this bank does not want to provide any solution for a money deposited in confidence in their trust. 
After several harsh claims via XXXX, the bank appointed a contact person only reachable by phone, this person indicated that the checks were re issued on XX/XX/XXXX under the same scheme : plain envelope and basic postal service with no tracking possibility. 
Again I must wait and see ; and clearly a new window of 90 days was open on XX/XX/XXXX, meaning that the recovery will be perhaps within 4 months from closure. 
A total lack of responsibility, and care for the fund deposited with this bank, a total lack of service from an institution that is created to give security to funds deposited, a total distortion of the function that a bank must perform mishandling funds of a customer and giving totally unprofessional responses with zero responsibility on actions taken with the assets of a third part. 
I currently reside in XXXX XXXX / XXXX and it is not possible physically present myself at the bank branch, from there this request. 
I would greatly appreciate your help.
Consumer complaint received 2022-12-15
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)

XXXXXXXX XXXX XXXX XXXX XXXX missed payment DEPT OF EDXXXX XXXX XXXX MISSED PAYMENTS 15 USC 1681 SECTION 602 States I have the right to privacy.

15 USC 1681 SECTION 604 A Section 2 : it also states the consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for purpose.
Consumer complaint received 2022-03-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (AL)

Radius Global Solution has failed to provide me with any verification of this debt. They have also failed to provide me with a letter of my rights to dispute as required by law. I have requested from this company on multiple occasions verifiable proof of the alleged debt such as a contract with my signature or promise to pay, they have not provided me with the information required to me by law and have not gotten back to me in a timely matter so that I may correct this issue. As this has gone on for months now I ask that this account be deleted from my credit profiles. As a consumer my rights have been violated pursuant to 15 USC 1681b which states that my information should not be furnished unless in response to subpoena in connection with federal grand jury or written instructions.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

On XX/XX/2021 I applied and was granted credit cards from two companies. I also applied to XXXXXXXX XXXX XXXX XXXX  responded DENYING credit based on " a change on my TransUnion credit report.

I then went on line to TransUnion providing all personal information TransUnion requested and then advised TransUnion could not assist me because " something is wrong with our ( transUnions ) system try again later.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX  my bank account was showing that I had XXXX in it. I received a notification on my phone when I checked my online bank account. This was the combined total of the {$100.00} that I currently had in it along with the expected {$5700.00}. Since my account was positive I paid some bills. However, NOW, I'm seeing that my account is showing a negative balance of - {$470.00}. I feel like they are crediting my account but then taking that amount that is deposited if it means that my account will go negative
Consumer complaint received 2023-06-03
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX  XXXX XXXX XXXX XXXX ), Has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.|
Consumer complaint received 2022-09-26
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. (OK)

This complaint is not being filed by a 3rd Party Credit Repair Company and this NOT a duplicate Complaint. 

I recently reviewed my credit report and noticed these accounts below have violated my rights In Accordance with the Fair Credit Reporting Act Convergent and 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 a account without my written instructions 1. Account Name : XXXX XXXX Account # XXXX 2. Account Name : US DEPT ED Account # XXXX 3. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX 5. Account Name : XXXX XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX XXXX  Account # XXXX 7. Account Name : XXXX Account # XXXX 8. Account Name : XXXX XXXX XXXX Account # XXXX 9. Account XXXX : XXXX XXXX Account # XXXX
Consumer complaint received 2021-12-11
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. (GA)

Disputed a collection debt on XX/XX/XXXX directly with debt collector company and asked for validation/verification of debt. Disputed with Experian XX/XX/XXXX. Collection came back as validated on XX/XX/XXXX with no explanation on how the debt was validated with Experian. The company XXXX XXXX XXXX did not provide me with requested documentation by XX/XX/XXXX. They cant because the company they are trying to collect on was shut down by CFPB in XXXX for fraudulent practices so theres no way the collection was legally validated. I received a settlement check from CFPB. Dates being reported by debt collector on credit report are inaccurate. Debt collector is illegally trying to collect on a debt deemed fraudulent by CFPB. Nothing was changed by disputing.