davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Re : Dispute of Inaccurate Credit Reporting - 15 U.S. Code 1681a Dear Sir/Madam, I am writing to dispute an inaccurate report made by XXXX XXXX to my consumer credit report on XX/XX/24, which resulted in a decrease in my credit score. As of XX/XX/24, I have not missed any payments or made any late payments. Despite my efforts to seek clarity on my account status, I have been unsuccessful in obtaining accurate information. 

I have made multiple attempts to contact XXXX XXXX to resolve this issue directly, including requesting to submit a dispute, but have been refused the opportunity to do so. Furthermore, despite my account reflecting a timely payment for XXXX, which was made by XX/XX/24 and posted on XX/XX/24, XXXX XXXX continues to insist that they did not receive the payment. 

Since XX/XX/24, I have spoken to several agents within multiple departments at XXXX XXXX, and each time I received conflicting information regarding my account status. Despite requesting to speak with managers, I have been unable to reach anyone who can provide resolution to this matter. 

I received an email from XXXX XXXX requesting payment for XXXX by XX/XX/24 to avoid negative credit reporting, which I complied with by making the payment before the deadline. However, despite my adherence to their request, my credit report has been inaccurately affected. 

I demand that XXXX XXXX rectify this error immediately to prevent further legal action. The inaccurate reporting is unjust and has the potential to severely impact my financial standing. I expect XXXX XXXX to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a, by correcting my credit report without delay.

Please investigate this matter promptly and correct any inaccuracies found in accordance with the FCRA 's provisions, including 15 U.S. Code 1681i. Failure to do so will leave me no choice but to pursue legal action against XXXX XXXX. 

Thank you for your attention to this urgent matter. I anticipate a swift resolution to avoid any further escalation. 

Sincerely, XXXX XXXX XXXX : proof of payment history and proof of email correspondence from XXXX
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

In XX/XX/XXXX, we filed a complaint against XXXX XXXX XXXX   because they were reporting incorrect information on our credit report. They responded to our complaint on XX/XX/XXXX, stating they were going to fix the situation. As of today ( XX/XX/XXXX ), they are still reporting the inaccurate information on our credit file.
Consumer complaint received 2024-02-16
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. (ID)

I am filing another complaint because nothing is getting done. I want all documents that I have signed giving you permission to report anything on my credit and this is per 16 USC 1681b ( a ) ( 2 ). I also want to know where you got my bankruptcy information since the court clearly states they do not report, I will be filing for identity theft. I also want you to delete all names on my profile other that XXXX XXXX as this is the only name I have ever used on any document I have ever signed. My next step will be a lawsuit.
Consumer complaint received 2020-05-11
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2024-05-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I filed a complaint with XXXX XXXX XXXX as well. 
Statement Read After pulling my report I noticed a collection account owed by COLUMBIA DEBT RECOVERY showing that I owed a former community {$1400.00}. I contacted the company and asked for a detailed ledger with explanations. The ledger showed that I paid my last month 's rent and final utilities. It also showed the {$1400.00} as a reletting fee. When I asked what a reletting fee was and to prove that I owed this, they could not. So, I personally went to XXXX XXXX and requested a ledger and explanation from them. They gave me a printout showing that I had a {$0.00} balance and that they had no idea what the {$1400.00} charge was. ( ledger attached ) So, I filed a dispute with the credit bureaus. Suddenly I received an email from the XXXX XXXX XXXX telling me that COLUMBIA DEBT RECOVERY sold my account, but all I owe is {$51.00} now, and the rest of the debt was paid off. I know that the credit bureaus did not research, because they would have seen that my account was sold. XXXX opened a dispute and settled and closed it the next day. I am attaching the ledger from XXXX XXXX showing a {$0.00} and contact information, because obviously the bureaus are not researching. Please contact XXXX XXXX. They will tell you that I owe nothing. ( XXXX ) XXXX If the fraud account was sold to another creditor, why is COLUMBIA DEBT RECOVERY still reporting it?
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Stellantis Financial Services US Corp. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit as late for any purpose.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION (CA)

On XX/XX/2024 Truist sent me the results of an investigation into my CFPB complaints cases XXXX and XXXX. In the letter detailing the results, it stated that payments were made on various dates and one XXXX payment was returned. It also stated that the correction to my credit reports for a 30 day late payment could not be adjusted/removed UNLESS a banking error had occurred. THIS is exactly what happened. A payroll direct deposit was suppose to be automatically made XXXX. And it was, but the bank didnt deduct the payment due to it being a new direct deposit account. The funds were in the account. The bank acknowledges that pending payment should have been processed. No insufficient funds fee was charged to me. Also my overdraft protection should have covered the amount. So there was actually two banking errors. 
The returned item should not have been. This was a banking error and falls within the parameters set by Truist bank that would reverse the 30 day late payment. Truist needs to abide by its own statements. Their investigation results letter is enclosed. Proof of banking error is also enclosed.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (NY)

For 4 years in a row Discover refused to XXXX me opportunities for hardship program or lower interest rate. Last year they finally agreed to a short temporary 13 % interest rate. They currently refuse to extend it and told me there is nothing available. Meantime the interest is charged DAILY which, if I make minimum payments ( which is all I can afford ) therefore if i make a payment of {$130.00} - {$110.00} is allotted for interest. This is UNETHICAL AND PREDETORY. They are doing this to THOUSANDS of people. It is so bad that my account is almost over the limit and will be so soon due to INTEREST ABUSE. This HAS to be stopped. They are financially raping their customers and fostering poverty. I need resolution- it is so sad that in order to cut a deal I have to stop payments which adversely affects my credit score - leading to MORE POVERTY. Discover not only misrepresenta these unsavory practices but in my opinion is committing fraudulent practices
Consumer complaint received 2024-03-12
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (TX)

XX/XX/XXXX as a federally protected consumer filing this 3rd compliant against XXXX and it's subsidiaries for several violations of my personal and consumer rights. XXXX has violated the Privacy Act of 1974, Uniform Consumer Credit Codes, Fair Debt Collections Practices, Fair Credit Reporting Acts, Truth in Lending Act, Security and Exchange Commission violations and Federal Trade Commission violations as well as CFPB violations.

I originally disputed these things on what is called a consumer credit report under XXXX on XX/XX/XXXX through this website, then I also disputed a second time via certified mail in letter form per the United States Postal Rule about the things that are reported and sold by XXXX on their reporting to no avail! Now here I am a 3rd time trying to get through to this agency via CFPB to correct their errors in regards to my name and social security number/accounting.

Here is the accounts that I am disputing as well as the adverse actions that caused harm to me and my families well-being because of their inaccuracies and practices of reporting. 

IC Systems Acct # XXXX {$950.00} Collections/Charge-off/Late payments XXXX XXXX XXXX Acct # XXXX {$1100.00} Collections/Charge-off/Derogatory XXXX I have during all 3 times of disputing these things have asked via phone on XX/XX/XXXX and the letters sent XX/XX/XXXX as well as during the CFPB complaints XX/XX/XXXX asked that all old non-mailable addresses, phone numbers, employers, different variations of my name, hard/soft inquiries and any other information in regards to myself be removed immediately to no avail as well. 

The federal violations that I am using to dispute this report and my business and personal information and identity are stated below! 

Uniform Consumer Credit Code violations.

Negligent Enablement of Identity Fraud/ Federal Trade Commission ( FTC ).

Violation of Privacy Act of 1974.

Violation of 16 CFR 441.1 Removal of non-mailable addresses.

Violation of 15 USC 1681b Permissible Purposes.

Violation of 15 USC 1681 sect 602-604 Rights to privacy.

Violation of 15 USC 1681 Willful noncompliance-616.

Violation of 15 USC 1681 Civil liability.

Defamation of Character ( Per Se ' ).

Violation of 15 USC 1692g Fair Debt Collection Practices.

Violation of 15 USC 1681e Provide maximum possible accuracy/Compliance procedures.

Violation of 15 USC 1681 m Requirements on users of consumer reports. 
Violation of 15 USC 6803 Disclosure of institution privacy policy.

Violation of 15 6809 ( 4 ) Nonpublic personal information.

Violation of 16 CFR 313.1 Purpose and scope.

Violation of CFR 313.4 Initial privacy notice to consumers required.

Violation of CFR 313.6 Information to be included in privacy notices.

Violation of USC 15 1611 Criminal liabilty for willful and knowing violations.

Violation of USC 15 1666b Late payments should not be reported on open end consumer reports as well as past due balances.
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

on XX/XX/2024 my deposit from the veterans affairs was deposited into my newly opened venmo checking account thee amount deposited was {$4700.00} i made a charge that same day for {$9.00} and right after my account was frozen without notice and told my account would be closing and the the remaing funds would be held for 180 days which is unacceptable to me
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Frost-Arnett Company (GA)

I have no idea why I receive a call to my cell number on a daily basis. I have no debt to resolve. I have contacted the Frost-Arnett Co ( XXXX ) and have received nothing via text or email to confirm WHY they have been attempting to reach me by telephone for the last XXXX months EVERY DAY. I am meeting with my attorney to discuss this harassment and file a complaint with the XXXX. 

Can you help?
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MI)

Today XXXX XXXX I contacted chime about a check that was deposited in the amount of XXXX from the IRS chime said that they sent the check back on XX/XX/23 at XXXX XXXX  I because my account was closed I contacted the IRS and the said that they never received a returned check from chime but chime is saying that the check was returned to the IRS
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (WA)

I am the Trustee for the XXXX XXXX Living Trust. After XXXX died in XXXX, I tried to withdraw the balance and close the account.They took one line out of the Trust and decided that it kept me from withdrawing the funds from Wells Fargo. " except accounts held by me in a fiduciary capacity '' This line actually means if XXXX was a fiduciary for a grandchild or XXXX individual. XXXX had no fiduciary responsibilities. 

I have spent 7 months trying to resolve this. 

I am the Trustee for over XXXX XXXX dollars in various banks, credit unions and other Investments. Wells Fargo is the only facility that has taken this position. 
The XX/XX/year> Statement shows a balance of {$26000.00}.
Consumer complaint received 2024-03-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

They pulled my credit score without my consent said they closed my account which has always had 100 % payment on time and was at XXXX  because I have no real estate. That is discrimination and has nothing to do with my ability to pay my accounts. They didnt warn me at all.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/XXXX : I was staying at the XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. I felt not only that its rates were too high, but incidentals were added to the base rate. So, on XX/XX/XXXX, I call around for a cheaper place to live. I called XXXX but the call was intercepted by a booking agency. The agent whom I spoke to said the agency represented XXXX. I asked for a quote and the agent quoted me {$1000.00}. When I decided to book, the quote was no longer {$1000.00}, but {$1900.00}. I protested and the agent told me that she has to bring the tape of the reservation conversation to " upper management ''. She said " upper management '' would listen to the tapes and decide. She'll call me back with their decision within a few hours. I knew that was a lie. More than 3 hrs. passed, affirming my That too was a lie. It was Sunday ; plus, the evening was rolling in. Without a decision on the tape, to me, XXXX reservation had ended. To the booking agent and XXXX, it had just begun. The two colluded to book me at {$1900.00} without ever notifying me, without my authorization. I never agreed to a rate ; I never signed any papers. There was never a " meeting of minds ''. Nevertheless, on XX/XX/XXXX a charge of {$1900.00} appeared on my XXXX checking account statement. It was reversed XX/XX/XXXX ; and a complaint was filed. On XX/XX/XXXX, it was reversed again, meaning I had lost the case. I should never had lost because I provided the preponderance of truthful evidence ; XXXX, on the other hand, produced fake documents. XXXX sided with XXXX. I asked XXXX : Why would I booked and moved to XXXX at a higher rate than the XXXX was charging. That defies logic. XXXX did not answer, avoiding self-incrimination as idiots. Also, defying logic was my paying for two rooms for one person.
Consumer complaint received 2024-02-13
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. (AZ)

On ( XX/XX/year> ), I sent an Identity theft letter to ( Equifax, XXXX, and XXXX ), and despite more than 30 days passing, I have not received a response nor has ( Equifax, XXXX, and XXXX ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on ( XX/XX/year> ) and an updated FTC identity theft report. According to FCRA, debt collectors must respond to disputes and requests from consumers within 30 days, yet ( Equifax, XXXX, and XXXX ) have not made a single call or sent a letter addressing the disputes I've mailed. This blatant disregard for FCRA Section 611 ( A ) ( 1 ) could result in fines of up to {$1000.00} per violation. Failure to provide proof or verification within the required timeframe necessitates the removal of this account from the consumer 's report, as the lack of response indicates an inability to validate or verify the account, a violation of FDCPA Section 809 ( b ). Attached are the letters I sent along with my updated identity theft FTC report.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

On XX/XX/XXXX I hired a web development company ( XXXX ) to build me a customized website for my business. The projected completion was 4- 6 weeks. After many delays and given the run around my website was still not completed after 6 months. A final project completion of XX/XX/XXXX was set and never met. I was very patient and cooperative through the entire process. After voicing my concerns and frustration to the company they still continued to delay. I immediately requested a refund that they refuse to issue. I then filed a dispute for the charges ( {$860.00} and {$2100.00} ) with Discover. After waiting for almost 30 days for the dispute process, Discover did not reverse the charges. I called Discover multiple times to explain the situation to 3 different supervisors. They kept telling me I need to get something in writing from the company that a refund is owed. I do not understand how that is possible when the company does not want to refund my money or complete my website. I submitted all my supporting documents showing that the complete website that I paid for was never delivered. So basically I am paying for something I never received. Despite all of this, Discover still refused to reverse the charges. I need Discover to take the fact that I NEVER received what I paid for and reverse these charges immediately.
Consumer complaint received 2020-05-11
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (GA)

Marcus by Goldman Sachs closed my account without warning and without letting me know. I only found this out because I called them when I couldn't login to my account. On XX/XX/year>, they informed me that my account was closed, said they didn't have to tell me why, and that my money would be transferred back to my XXXX account within 10 business days. It has been well over 10 business days and I still have not received my money so I called them again and they said the money has been sent and they don't know when I will receive it. I have no online access to my Marcus account so I can not see how much I had in there and whether or not the money is still in the account.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank (OH)

I had opened a secured line of credit with First Progress in XXXX. I had used the card frequently and maintained an average 30 % usage or less. In XXXX, my card had expired. I reached out to First Progress via phone and mail service but had never received a new card. My balance had remained at {$0.00} from XX/XX/XXXX until XXXX XXXX  XXXX due to never having received the updated card. Within that time period I had also moved and switched phones. I lost most of my login credentials and the method of communication ( mail service ) I was using with the creditor. 

In XX/XX/XXXX, I was charged a {$29.00} annual fee for a card I was unable to use since XXXXXXXX XXXX XXXXXXXX. I did not see this nor was I aware of the charge. The following months I was charged a fee for non-payment which resulted in the balance being maxed out, my account being closed, and reports to the credit bureaus. I received late payment, high usage and then an account closure hit to my report. As of XX/XX/XXXX, I received a bill at my current address showing an account closure debit of {$200.00}. This company, whom I was not receiving communication from, had closed my account and taken then {$200.00} I had used to secure my credit with, to cover the fees I did not directly create. I did not have the means to utilize this line of credit as the company would not respond to my attempts to receive a new card.