davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-02
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: EQUIFAX, INC. (MD)

I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: California Business Bureau, Inc. (CA)

California Business Bureau Inc. 
XXXX  XXXX XXXX XXXX, CA XXXX sent a letter dated XX/XX/2020 demanding payment for medical bills which were already paid and adjusted. We wrote then on XX/XX/2020 advising them of these facts in detail and and disputed the charges. We asked them to cease collection their activities and to obey Federal and California laws in this matter. Nevertheless, they went ahead and filed a negative credit report which has caused substantial financial damages. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent in a letter to have unauthorized fraudulent inquiries removed from credit report to XXXX I asked them to investigate them and have them removed.
Consumer complaint received 2021-05-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (IL)

On XX/XX/XXXX, the following agency I.C Systems they have reported a new account on my credit report. I never entered into an agreement with this agency please investigate this fraudulent attempt on a collection of debts on my credit profile. My next course of action is to file a complaint with my States Attorney General Office. Please investigate this company as soon as possible.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2021-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Abra (CA)

I made a deposit of XXXX with Abra in XX/XX/2021. The company Abra, claims that the money was rejected due to consumer protection and that the transaction was cancelled. However the funds were never returned to my banking institution. I contacted them multiple times and they insist that they rejected the transaction and to contact my bank. The funds were never returned or refunded. They kept my money and froze my account with them for no reason. I contacted my bank to retrieve the funds however they have not had luck in retrieving my funds either.
Consumer complaint received 2021-05-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Auto Credit Corporation (GA)

SOMEONE WHO HAS STOLEN MY IDENTITY AND HAS PUT A CAR LOAN AND OTHER CREDIT IN MY NAME USING MY INFORMATION AND NOW THE DEBT IS BEING SHOWN ON MY ACCOUNT IS BEING OWED BY THE WRONG PERSON. THOSE ACCOUNT DO NOT BELONG TO ME NOR DO I HAVE ANY CONTRACT WITH ANY OF THE CREDITORS ON MY ACCOUNT.
Consumer complaint received 2021-01-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Good morning, Beginning XX/XX/XXXX, I am been writing XXXX, Transunion, and XXXX  to dispute inaccurate information on my credit report and asked them to validate the accounts. I have also asked them to investigate the accuracy of several specific items by providing proof of the debts that I owe. XXXX  responded only with " everything was verified and accurate ''. 

As of today, XX/XX/XXXX I have sent them multiple letters and they have only replied with a " verified '' and no additional information or a description as to how the accounts were verified or included the response from the debt collectors
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (PA)

XX/XX/XXXX -I purchased 4 Netspend cards at XXXX located at XXXX and XXXX  in XXXX XXXX to gift teen helpers for a summer work project. Loaded {$300.00} on each card and paid {$2.00} activation fee in store. 

XXXX XXXX gifted the cards to 4 teens. 

XX/XX/XXXX - informed by one teen that card was not working. 

XXXX, XXXX and XXXX teen attempted to use the card unsuccessfully XXXX I received card info from teen to contact Netspend Personally. 

XX/XX/XXXX - was asked to provide social security number, drivers license and prof of address via a no secure email in order to activate card. I declined for safety. Customer service person informed me the activation would be a " limited spend '' which I was open to. I asked for a description of " limited spend '' on the website ( Netspend.com ) or in writing so that I could communicate the details. There is no actual policy in place or listed on the website. Upon asking to speak with a manager, The customer Service representative put me on hold for an hour. 

I would like a refund of {$300.00} and I am reporting this company for false advertising and intentionally making use of the card complicated so that they can keep the money.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Someone has been using my Capital One Credit card for purchases. They used the entries {$300.00} Credit over the limit to the point I owe {$320.00} I refuse to pay an amount I didn't use. The replacement card I requested still hasnot arrived after 3 weeks of me waiting. I can NOT access my account due to MultiFactor on the account which I do not have the number to open it. this is Outrageous I want the credit replaced and a new card ASAP. Thank you for your assistance.
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2021 {$6000.00} Its been XX/XX/2021 I have been Bringing paying on my profile and I have not yet received my card.
Consumer complaint received 2022-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Assistance Corporation dba Revenue Group (OH)

Consumer XXXX XXXX XXXX, as shown in Attachment of this complaint '', received a form from the Company alleging that Consumer owed a debt. Company violated 15 USC 1692c ( a ) - Communication in connection with debt collection. Defendant violated this code because it states in this subchapter : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Consumer did not give prior consent to company to communicate with him about any debt. Company did not receive express permission of a court of competent jurisdiction to contact Consumer about any debt. Company also violated 15 USC 1692j ( a ) - Furnishing certain deceptive forms. Company violated this code because it states in this subchapter : It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Company form that was received by Consumer is defined as a deceptive form as described in this subchapter because the said form created the false belief in the Consumer that a person is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Company finally violated 15 USC 1692e ( 14 ). Defendant violated this code because it states in this subchapter : The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. As shown in Attachment of this complaint '', company form clearly shows the name of XXXX XXXX organization, which according to this subchapter is not the true name of the debt collectors business, company, or organization.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, I Do Have An Issue With A Bank Of America Institution, Regarding A Fraudulent Activities Into The Account Provided By Them In Accordance With XXXX, Wich The Amount Is The XXXX That Were Taken Off In Different ATM Of The Same XXXX/Bank Of America, Prepaid Card So I Have Contacted First The Branch Management, No Action Taken, Then By Phone Access Through Almost 2 Months Already The Fraud Was Detected By Me On XX/XX/XXXX But According To The Statement It Reports That The Fraud Was Made From The Day XXXX Through XX/XX/XXXX The Days Started On XXXX An Amount Of $ XXXXThen On Day XXXX An Amount Of {$980.00}, Then The Latest Was On Day XXXX An Amount Of {$980.00}, All These Amounts Were Withdrew From Different ATM In Different Areas Wich I Personally Don't Know Were They Are Located As Well How The Card As Well As The Personal Pin Number Was Obtained Once It Is Personal, So Please Help Me To Get All This Funds Back Into The Account Due That Because Of This Issue I Ended Up To The Emergency Room With XXXX XXXX Issues. 

Thank You. 

Best Regards.
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Applied Resolutions Group (CO)

The company called and left me a number with a file number I called back said it wasnt me on the file. The collector or fraudulent person said see you in court and hung up. Then called back and left my address on my voice mail and said see you in court. They say there name is arg. This is the number they called from XXXX ( XXXX XXXX XXXX then called again from this number XXXX ( XXXX XXXX XXXX After I blocked them. Leaving messages said deadbeat and court. I have zero idea who arg is.
Consumer complaint received 2021-10-13
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. (VA)

XXXX is no longer my lender for these loans they fraudulently reported my loan was delinquent which it is not. The bank committed fraud by reversing my payments after being told I was refinancing the car loan in an effort to commit fcra fraud for the loan It is under investigation by the ncua The credit bereaus were told of this and that the reporting is inaccurate and they did not correct the credit report
Consumer complaint received 2021-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (CA)

I received several calls from XXXX XXXX ( Colony Brands ) for a charge I never made. It sounds like my information was used to make a purchase in the amount of {$190.00} from this company. The ( {$190.00} ) transaction was reported to the credit bureau for non payment. I never received a bill or any information regarding this charge.

I called the Company Colony Brands and spoke with their supervisor of collections and she gave me the an acct. # XXXX O and promise to investigate the charge and I should follow up in 10 days. 
I want this information removed from my Credit Report I never had of XXXX XXXX/Colony Brand or purchase anything from this company. Never receive proof of purchase or any bill from this company.
Consumer complaint received 2021-01-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

Equifax, XXXX  and XXXX  have overused their roles of being consumer reporting agencies. With unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCP
Consumer complaint received 2024-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc. (TX)

I am writing to file a formal complaint regarding a concerning issue with XXXX XXXX, a medical laboratory, regarding a bill they have submitted to a collection agency in the amount of {$240.00} for services rendered on XX/XX/2023. This action by XXXX XXXX directly violates a recent law prohibiting medical bills under {$500.00} from being sent to collections. 

According to the new law, medical bills totaling less than {$500.00} are not permitted to be forwarded to collection agencies. However, XXXX XXXX disregarded this regulation by sending the bill to collections despite it falling well below the specified threshold. 

In addition to the violation of this law, I was not informed by XXXX XXXX that they intended to send this bill to a collection agency for debt. Lack of communication on this matter has further compounded the issue, leaving me uninformed and distressed. 

This egregious violation not only contradicts the spirit of consumer protection but also creates unnecessary financial burden and distress for individuals like myself. Medical bills, especially those of modest amounts, should not be subject to aggressive collection tactics, as they often exacerbate existing financial hardships and can negatively impact credit scores. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against XXXX XXXX for their non-compliance with the law. Additionally, I request that measures be implemented to ensure that such violations do not recur in the future, safeguarding the rights and financial well-being of consumers nationwide.
Consumer complaint received 2021-05-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (WV)

BB and T bank / XXXX XXXX ( was XXXX XXXX XXXX  XXXX XXXX XXXX begun correspondence in XXXX ( but haven't received dividends since XXXX ) sent letter asking for bb and t to investigate why i never received replacement stock certificates in bbandt / XXXX XXXX being the new stock that I have due to the acquisition and why i am no longer receiving my dividends. No success or response in accordance with letter mailed certified mail. I made numerous phone calls and still no resolve. I then involved a stock broker ( independent ) stocks were returned to broker with a letter stating that I had to contact them not a broker. I kept calling they kept telling me they would research and get back to me and never would call me. I finally contacted an employee that said I had to send in original certificate to them in order for them to research and investigate. I, due to unprofessional handling of my account, reluctantly did send in certificates. i then called XXXX/ bbandt bank and they could not find my certificates I mailed XX/XX/XXXX and they were foun XXXX XXXX bband t informed when i called ( after many many phone calls with no resolve ) that they stock certificates were found and mailed back to explaining that the stock was being traded still, but with a comlany called XXXX XXXX. I called XXXX XXXX  and they denied this and found no info about me or my stocks. i received the stock certs by mail on the XX/XX/XXXX they had been punch cancelled in error and fixed reinstating them by stamping and initially the error they had made during the time they had the orginals ( almost 2 more months. ) Ive been trying to resolve this issue for four years. bbandt bank / XXXXwas purchased and years ago i was told they made an erro rby not sending me converted stock certificates now after all the years of correspondence letters phone calls etc they are saying they cant find my account. I was a XXXX  XXXX with XXXX XXXX XXXX XXXX they were sold to bband t and my stock followed the new company.. I need my dividends and want to cash in my certificates.. I cant do this due to bband t ( XXXX XXXX ) not helping me resolve the issue. I have no where else to turn but to involve cfpb to help me in finding out why they wont help me get my stock account found and give me my dividends that haave n't been sent since XXXX and cashing in my stock certificates. Please help me resolve this issue I do not know what else to do and dont know where or what the next step of recourse will be. i have all documents and correspondence dates and receipts etc.
Consumer complaint received 2024-03-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (AZ)

XXXX XXXX is a service that offers payment loans for purchases to allow for making smaller payments over a timeframe. I had previously used their service for a purchase and successfully paid it off. On XX/XX/XXXX, I applied for a payment loan for a new purchase, and was denied. According to 12 CFR Part 1002 1002.9, a potential creditor must provide an explanation for a credit denial within 30 days. I finally received the denial explanation today, XX/XX/XXXX, over 6 months later.
Consumer complaint received 2021-01-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (FL)

I had an Amazon store credit card wit Synchrony bank and I had the feature of auto pay active. I always received notification of the payment posted and nothing else. My balance was of {$950.00} as of XX/XX/2021 and no late payments to my knowledge. Without prior notifications or calls I received an alert on XXXX  XXXX  that my credit dropped 55 points due to closure of my Amazon store card. I called the bank and they refused to help even after I paid the balance in full, the account is currently closed and still affecting my credit. My current position in the XXXX requires a security clearance and good credit, I'm in danger of losing both.
Consumer complaint received 2021-01-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted Transunion for verification of the account : XXXX  # XXXX. They have reported that upon their conclusion of their investigation that the account is being reported accurately on my credit file. They are reporting that this account was included in bankruptcy that they are not reporting on my credit file. They are reporting that this account was closed XX/XX/XXXX. They also are not reporting a balance on this account and lastly that last payment was made XX/XX/XXXX. All these items are reporting inaccurately. 

I contacted XXXX  for verification documents in which they returned a letter first addressed to XXXX XXXX which I believe is the name of their account but not my legal name or the name being reported by Transunion on my credit file. My name being reported on my credit file is ; XXXX XXXX XXXX. 

The letter also states that : Dear XXXX, We can confirm our records indicate a balance of {$6100.00} as of XX/XX/XXXX. 

The name states XXXX XXXX ( that's inaccurate ) they sent to correct address because of my request using my current address. There is a full account number on the letter : XXXX which Transunion reports as : XXXX which the last four numbers can be what? 
They also indicate they are reporting a balance of {$6100.00} which Transunion is reporting nothing.
Consumer complaint received 2021-10-13
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. (VA)

XXXX is no longer my lender for these loans they fraudulently reported my loan was delinquent which it is not. The bank committed fraud by reversing my payments after being told I was refinancing the car loan in an effort to commit fcra fraud for the loan It is under investigation by the ncua The credit bereaus were told of this and that the reporting is inaccurate and they did not correct the credit report