davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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: Resurgent Capital Services L.P. (AZ)

Im accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-18
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Im accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states that I have the right to privacy. Under15 USC 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please remove the late payments from my report as they are violating my rights. Please send me a copy of my report when this has been handled.
Consumer complaint received 2022-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

I contacted the collection agency Covergent Outsourcing and XXXX XXXX XXXX on XX/XX/XXXX to report that several fraudulent accounts ( amts {$420.00} & {$530.00} which either appear on my credit report or on their systems do not belong to me. I notified these entities that I am a victim of identity- theft and that the information that they have on file does not relate to any transactions I have made. The addresses that they also have associated with these accounts are not addresses that I recide at nor have I ever recited at. I did not give anyone authorization or consent to use my personal information therefore the utility company should have never established these fraudulent accounts. I requested for an investigation to be completed and for these negative items to be removed from the collection agency records and my credit report. An agent by the name of XXXX from XXXX XXXX opened several fraud dispute cases for me on XX/XX/XXXX. I was told by XXXX XXXX that they would be Investigating these fraudulent accounts in addition to getting them removed from my credit report and the collection agency. I was also told by XXXX at XXXX XXXX that someone from their dispute department would be contacting me. I have not been contacted by either entity as of XX/XX/XXXX. This item still appears on my credit report without any resolution. 

On XX/XX/XXXX & XX/XX/XXXX all three credit reporting agencies ( XXXX, XXXX, and XXXX ) were notified that my identity had been stolen. I filed several disputes to correct and remove - names, addresses and collection debt items from my credit report that do not belong to me. I requested a freeze to placed on my credit report and fraud alerts have been placed as well. Once again, I did not give anyone authorization or consent for them to use my personal information. I am a victim of identity-theft and I am disputing these fraudulent accounts that either appears on my credit reports, Covergent Outsourcing and/or at XXXX XXXX XXXX.
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On multiple occasions I have disputed the incorrect account information reporting on my Experian credit file. Experian is showing a closed XXXX XXXX account that has late payments and a closed XXXX XXXX   account that has late payments. I have never been late on payments to any of these accounts. Furthermore, XXXX  and XXXX  have the exact same accounts reporting and they are reporting accurately with no late payments.
Consumer complaint received 2022-05-18
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. (FL)

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account ( s ) listed below as reporting 100 % accurate. However, these accounts are Still inaccurate, and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX If you are not aware of this is an violation of my rights under the Fair Credit Reporting Act ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. And these accounts are not accurate.
Consumer complaint received 2022-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account ( s ) listed below as reporting 100 % accurate. However, these accounts are Still inaccurate, and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX If you are not aware of this is an violation of my rights under the Fair Credit Reporting Act ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. And these accounts are not accurate.
Consumer complaint received 2022-09-28
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. (CA)

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

DEPT OF EDXXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Consumer complaint received 2022-05-18
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. (LA)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-05-18
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX, Account Number XXXXXXXX XXXX XXXX XXXX, Account Number XXXX AXXXX XXXX, Account Number XXXX XXXX XXXX XXXXXXXX, Account Number XXXX XXXX XXXX, XXXX, Account Number XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/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 an 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. 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 2022-05-18
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX  XXXX, Account Number XXXX XXXX XXXX XXXXXXXX, Account Number XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/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 an 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. 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 2022-07-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FORD MOTOR CREDIT CO. (SC)

Ford Motor Comp, XXXX, {$9500.00} According to 15 USC 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want XXXX XXXX per violation
Consumer complaint received 2022-05-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (TX)

TRUIST IS HOLDING GAP PRODUCT MONEY XXXX! Dealer sent {$880.00} ( their check number XXXX ) to Truist Bank on XX/XX/2022. As of XX/XX/2022 customer has NOT received their refund due in same amount. After sitting on hold for 94 minutes, Truist is " unaware '' of any refund due. Well, YOU OWE ME the GAP REFUND - PLUS INTEREST for holding it ILLEGALLY - this vehicle, PER YOUR DOCUMENTS was paid in full XX/XX/2022 - that was nearly 60 days ago. And while you are at it, since you have to cut me a check anyways - PAY THE FEES YOU OWE from my last complaint that you replied to the CFPB saying since account was closed you could not refund me. Well. I think you can refund AN ERROR - and NOW PAY A PUNISHMENT for HOLDING MY MONEY XXXX. You are pure evil and you are CROOKS - WHY did the government ever let XXXX conspiring banks Sun ( don't ) Trust and XXXX ( lie ) ist merge? PATHETHIC.
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (OH)

On XX/XX/2022, I called U.S. Bank to see why they locked my account. They said that I need to go into the branch that I opened the account. I was living in XXXXXXXX XXXX  at the time I opened the account. However, I opened it online so there wasnt really a branch. Anyway, they tell me I need to come to a branch so they can talk to me in person. Thats not impossible in my current condition. So I told the person to close my account and send me the funds. She said they cant do that. They make it impossible to do anything when youre XXXX  and XXXX XXXX.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

My wife and I have been a banking member of TD bank for about 8 years. We not only have a business checking and savings account but also opened a personal checking and savings account with them. We have never had an overdraft, negative balance or any issues that were raised with the bank during this time. On Monday XX/XX/2022 we both received separate letters from the " demarketing '' at TD Bank notifying us that they are closing all of our accounts XXXX week of XXXX and the letter provided only a phone number that went to voicemail. No reason was cited and we initially thought the letters were some type of fraud scheme. After leaving approximately 6 voicemails to the number listed on the letter ; I reached out to a local branch manager who emailed the department because there is no direct contact with them client facing or at the branch level. XXXX XXXX XXXX XXXX XXXX XXXX and I am fully aware of AML issues but the bank refused to explain anything other than " they reserve the right to close without issuing a reason '' which is totally unprofessional and left us feeling a bit like criminals. We currently have a professional medical business account with them and closing our account without any dialogue and appropriate time ( less than three weeks ) is one of the worst experiences I have had with a bank. Understanding business is business we at a minimum after 8 years would appreciate an opportunity to discuss the issue they are seeing and allow us the opportunity to maintain the relationship if we can explain, rectify or even demonstrate they are wrong. After digging into TD 's reviews and practices, it appears that this happens regularly and people never hear back or are never given an opportunity to clarify if the bank is mistaken in its assumptions. We are now in a bind to open another bank account and transfer all of our normal operations over within a short time. In writing this I am hoping TD reaches out to me and affords us the opportunity to work with them in maintaining our accounts and allowing us to correct any issues. Reference # XXXX
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2021-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I initiated a wire transfer of {$100.00} out of my checking account into my brokerage account on XX/XX/21 and completed the wire transfer form exactly per the instructions. Capital one charged me {$25.00} to send the wire. It went missing and never showed on my brokerage account. On XX/XX/21 I found a credit on my checking account for {$70.00} from the brokerages bank and an additional fee from Capital one for {$15.00}. I was charged a total of {$70.00} to unsuccessfully send my {$100.00} wire. Capital one XXXX  up the wire as I had included all of the required info to process the wire. I called them XX/XX/21 and spoke to two rude individuals in the wire department ( one being a supervisor ) and they refused to refund me the ridiculous fees, not to mention Ive been a customer for well over a decade. They offered zero clarity on what went wrong. I am asking for a refund on the money Capital one stole from me.
Consumer complaint received 2022-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (FL)

Hello, my name is XXXX XXXX. Im filing a complaint today because I believe Im being held accountable for a debt thats not mines nor was valid. The UCB collection agency claims I owe a amount of {$880.00} for a medical bill. I kindly sent them a dispute letter in XX/XX/2022 asking them to send me information about this dispute. Along with the letter I sent a copy of my drivers license so they could know that it was me sending the letter and that I just want them to send me the information I asked for and not to call me. About a week into me sending the first dispute letter I saw on my XXXX XXXX thats the collection bill of {$880.00} has been CLOSED, it stated so I thought ok they got my letter and everything was resolved. A couple days later I saw that the collection bill for {$880.00} was put back on my report. I was very confused and frustrated, so I called UCB ( the collection agency ) and this girl answered and Im telling her whats going on and she told me that oh yeah we do take the collection off and put it back on each month as a update and Im like What??? That sounds so stupid, obviously she did not know what she was talking about because I never heard anything like that. So Im telling her listen you guys need to send the information I asked for if you cant do that then remove this off my report. She stated that they just sent out information to me and I should be receiving it soon in the mail. I told her ok and I didnt want to talk anymore over the phone and to just send me information through mail. I waited for the information to come through the mail and it never came. It was well over the 30day mark we were in the end of the month of XX/XX/2022 and this was still on my report. I did receive a call from the agency around this time and they asked me to verify my name and address which I did and I politely told the man I did not want to discuss anything over the phone I sent a dispute letter asking for more information and never received anything. I politely hung up and around XX/XX/2022 I sent another letter to the UCB collection agency, explaining that I sent a dispute letter and I havent heard from you guys within a month. I told them to please remove this off my credit report as Im XXXX XXXX  and I already have enough problems. Today is XX/XX/2022 and I looked on my XXXX XXXX  and it says that they closed the account again. Im writing this complaint because I want this collection closed for good and I dont want to have to worry about this anymore. Also I noticed that they did not remove this collection bill for the month of XXXX so that was suspicious since the girl said they *update each month removing and putting it back on my report. Anyway I would like some answers as to why they havent validated this bill with information and why they keep closing the account and reopening it. As of today XX/XX/2022 it shows the account is closed.
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Received a voicemail from from a an independent courier who said if I wasnt at my home or job to receive the legal papers she had that it would be a direct refusal & theyd begin an arrest process. When I called back at XXXX, the lady on the phone would not tell me what the company name was, just that they were a third party mediator of some sort. She then went on to tell me that this was regarding a balance on a credit card from Bank of America ( THAT I HAD FROM 2007 ). I was unable to pay back then due to financial difficulties but now that I have good credit I guess theyre wanting it & will go to any lengths to get it. This I was in a sheer panic before I called & now Im just angry. This is an abusive tactic & it needs to be stopped.
Consumer complaint received 2021-10-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

I have sent copy of letter from XXXX XXXX XXXX 3 times showing a 30 day past due is to be removed from my reports. This still has not been removed