davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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.
Consumer complaint received 2021-08-26
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: Resurgent Capital Services L.P. (NY)

I had misplaced all of my information during Hurricane Sandy and I was XXXX  for 3 years. last year I had Covid 19 and I was in a XXXX  and XXXX   for 2 months. When I returned to my home, I started receiving these letters from collection companies and upon further investigation I realized that these accounts were never opened by me. I contacted the various collection agencies on XX/XX/XXXX and again on XX/XX/XXXX. I have not received responses from many of the agencies that I contacted and as a result, none of the issues have been resolved. 

I have a child who has started college  last year, and this has seriously affected my ability to obtain financial assistance for him to further his education.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

These inquiries were obtained without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

The credit card was closed on XXXX XXXX by the company. The balance owed at that time was estimated to be around {$600.00}. I have made a payment on the closed account every month. What I'm noticing is that the minimum payment is going up, late payment is charged along with interest. It appears that after an entire year of making payments, what I owed will never be paid off. I actually owe more. 

When I contacted the credit card company they explained that I will continually be charged interest on the amount owed and the minimum payment amount will change ( go up ) based on the balance owed and late fees will be charged when I don't make the full minimum payment amount. 

Well that sounds to me like the account isn't closed. They are treating this account as an active account. Plus they reported some of my payments as late payments to the credit bureau. I need a set minimum payment amount under {$75.00} to pay every month on this closed account. After all when the account was active the minimum payment was {$25.00}.
Consumer complaint received 2022-03-28
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: LEXISNEXIS (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-12-15
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. (CA)

I am writing to get the following information off my file, the items i need removed are listed on the report. I need my report corrected I reported the theft of my identity to the FTC and my general attorney. Please investigate that this account is reporting XXXX accurate i see so many errors which is a FCRA violation
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

We received a fraud alert that an inquiry was made on my credit report regarding the opening of an account at USAA. I had a fraud alert placed on my credit file to alert all financial institutions. On XX/XX/2021, I received a debit card from USAA even though I NEVER opened an account with USAA. They have refused to work with me to resolve this issue.
Consumer complaint received 2021-12-15
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. (KS)

I have reached out to this debt collection agency twice via phone calls. I also have reached out through mail twice asking for verification of debt for three account reporting to the credit bureaus. I have also sent the same formal letter requesting verification via Experian. This notification was received even though the representative attempted to acknowledge what actually letter was forward to them. I still have not received verification in the appropriate time to date. The agency instead have continuously added and reported more interest monthly. They have also have the account listed as seriously past due when a collection account is past due by default and should not be reported as such. Account recovery has also flagged my credit report numerous times within days apart on the same debt to affect my credit. In addition, although they may say theyre collecting on behave of a XXXX XXXX they still have to follow the same regulations to include HIPPA law.
Consumer complaint received 2019-08-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MA)

Citi Priority Checking account advertised that if terms are met that XXXX AAdvantage bonus miles would be awarded as a 'sign up bonus '. The terms to be met are " When you spend {$750.00} worth of debit card purchases and make one or more qualifying bill payments for two consecutive months. * '' according to the advertisement. 

The checking account was opened on XXXX/XXXX/19. The {$750.00} minimum debit card spend was met on XXXX/XXXX/19. The two bill payments were made during consecutive months. First on XXXX/XXXX/2019. Second transaction date XXXX/XXXX/2019. All terms were met within the allotted 60-day window from when the account opened. 

I reached out at two points during the process to confirm that terms are being met and was assured that I was " ... good to go! ". As of XXXX/XXXX/19, I have not received the incentive for opening this account and have been assessed fees associated with the account.
Consumer complaint received 2021-08-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (CA)

CBE group out of XXXX phone number XXXX XXXX called me to speak to XXXX XXXX who does not have my phone number XXXX asked me if I knew him and started asking personal questions. I hung up the phone I do not owe a debt collector so why are they calling me about some one else debt. Are they looking up family members to harass in order to collect a debt this is illegal and they should be fined XXXX is my Son. I am outraged, I was bothered at work for some else debts? They are calling family members to collect debts? XXXX is not associated with my cell phone number at all. How did they get my phone number?
Consumer complaint received 2022-07-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Late payments from XXXX in XXXX and late payments from XX/XX/XXXX to to XX/XX/XXXX because of a natural disaster ( hurricane Ida ). lost of job in both instances
Consumer complaint received 2018-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/2018, The XXXX XXXX XXXX on behalf, XXXX on behalf of XXXX XXXX XXXX   sent me a request of {$5500.00} of credit debt, which I believe was a result of identity theft. 
I have filed the police report and sent the law firm an affidavit describing the situation.
Consumer complaint received 2021-12-15
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. (NY)

I, XXXX XXXX XXXX, never gave Experian any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

I had purchased a couch from XXXX XXXX  and had created an account through synchrony bank and weeks later before my payment date I had tried to pay off the card but the first payment was cancelled as shown through their service so I had went ahead and put in a additional payment to insure the card was payed off as I am one with crystallized intelligence and memory is a struggle. The day after I was charged double for the account without any form of notice for a over charge and was only garenteed a check through the mail which seems very shady and there was no amount of further help from the company to insure the funds were safely added back into my account.
Consumer complaint received 2021-12-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2018-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

My complaint is that Union Bank & Trust withdraws the funds for checks mailed to companies the day the check is cut and mailed, not when the company being paid actually cashes the check. Most recent example : The Rent payment for my business location was setup thru bill pay to be paid by the XXXX of XXXX. The funds were actually withdrawn from my account on XX/XX/XXXX. The check did not get to my landlord until Friday XX/XX/XXXX. The bank is earning interest ( the float ) on my funds for over a full week. I have never banked with a company that pulls the funds out the account when the check is cut, unless I was getting a certified check. If this practice is not illegal, it is surely unethical. This check will probably not be cashed until today, XX/XX/XXXX. However, I have no way of knowing for sure when the check is cashed because of the way they are processing checks. To top it all off my payment was a day late! I find this process to be completely unacceptable. This was not the policy at Xenith Bank. So far I am very disappointed with this bank merger and considering moving my accounts to another bank.
Consumer complaint received 2021-04-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MN)

Hi, I stopped using XXXX and return a lot of equipment and did not get the right return for that equipment or adjustment. Also, Stopped using XXXX  in the beginning of a billing cycle and that was not adjusted either. My services should have stopped in early XXXX and I and being charged through XXXX to almost XXXX.
Consumer complaint received 2018-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CO)

I have been over sea with my company from XX/XX/XXXX- XX/XX/XXXX and I have a credit collection company Phoenix Financial Service trying to collect a debit from XX/XX/XXXX for {$1200.00}. I was not even in the country to incur a debit.
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

XXXX XXXX XXXX the onwer of XXXX XXXX XXXX ( see below ) has defrauded me of {$39000.00} on a renovation in XXXXXXXX XXXX 

He uses Chase Bank to carry out his scams and fraudulent activities to defraud consumers like me. Can you please ask Chase Bank to investigate this matter and close down his personal and business accounts with the Bank DETAILS FOR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-08-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

I am resubmitting a complaint against Mt. America Credit Union as I have found out they are done similar things as they did to my mother. Mt. America allowed a person with a TRO against them to withdraw funds from my mother 's account and refused to pay back the money. They refused to honor an agreement we had to do a work out loan to cover a visa debt, they turned over to a collection agency we continued to work out the debt and they had agreed to reduce the amount of the debt in half. After my mother died they took the debt back from the collection agency and are demanding full payment of the debt against my mother 's estate.
As you can see by the complaints to the XXXX XXXX XXXX we are not the first people they have acted unethically with and done illegal transactions with their funds.

They exposed my mother 's financial information and funds to a person with a TRO against.

As a concerned family member I am asking that they be held accountable.
Consumer complaint received 2018-07-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

I have been paying above my standard payment since I first began paying my student loans. When setting up autopay with Navient online I verified that any amount payed above my standard payment would go to the loan with the highest interested rate ( this was actually shown to be the default setting within my profile settings on the Navient website ). As I began paying off loans with other loan servicers I began moving the payment that I had been making to those companies over to my Navient loans to apply towards principle. I again verified the allocation of extra payment to the loan with the highest interest rate when I added to the principle payment in XXXX of 2018. In XXXX of 2018 I began looking through my loan statements as the loans I have with Navient are the only loans I still have left. I noticed that the extra principle payment I was making each month was not being correctly applied to the loan with the highest interest rate. I called in to speak with someone and they apologized but said unfortunately that isn't how my account was set up. While on the phone I logged back into my account and as I explained to them it still showed in my personal settings in my profile that extra funds would be applied toward the highest interest rate. I requested multiple times to speak to her supervisor as all she could do was apologize and say that wasn't how it was set up in their system. She finally asked to place me on hold while she got someone else for me to talk to. A few minutes later she came back and said she had fixed it and going forward the extra funds would go to the loan with the highest interest rate. It was obvious I wasn't going to get the chance to speak with anyone else so I stated I would gather all my paperwork and call back. I pulled all the information I could from what was provided in my account but a lot of information wasn't available such as the individual interest rates of the loans since I first started paying. I called back in a few days later and explained the situation and requested all the information I could get on my loans so I could go back over where and how my payments had been applied.
Consumer complaint received 2015-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I tried to see my free credit report and I could not see it because you asked me questions about my wifes credit reports and theres no way I can answer her questions because we have not been married long and it stuff from her XXXX marriage and she wont give me the answers, Why are you asking me questions about her on my report and not asking me questions about me?
Consumer complaint received 2021-12-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-08-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-08-18
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)

This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX