davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
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. (MD)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2015-11-06
Product: Bank account or service — (CD) Certificate of deposit
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK (CA)

I attempted to open a Scottrade Bank account after formerly being a Scottrade XXXX account customer. I called Scottrade Bank which instructed me to provide various forms and sign the account agreement. I sent all of this information to Scottrade Bank and heard nothing. 

Roughly 3 weeks later, I was informed by postal mail that my Scottrade Bank and Scottrade XXXX account had been closed. When calling Scottrade Bank for support I was given the run around. 

My simple question was why did Scottrade Bank closed my account but I was met with rude resistance and eventually told that Scottrade Bank only provides support to account holders and become my account was closed they could not assist me at this time. 

Furthermore, in the account closure letter, Scottrade Bank stated that my funds would be returned under a separate cover after 7-10 days. Thus far, I have not received the check and have been unable to access my account. 

I would respectfully submit that Scottrade Bank needs to overhaul their customer services policy and properly assist customers. It is not ok for a bank to give unhelpful answers when the bank still has control over the funds of the customer.
Consumer complaint received 2022-08-05
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. (CA)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} and XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (NJ)

During the month of XX/XX/2023 I received letters from XXXX XXXX XXXX that I owed them around {$930.00} for credit card debt. I asked them to validate the debt by requesting from them to send me information on the validity of the debt by providing me a contract between me and them with my signature on it that I owed them the money. They never sent me the contract. I requested it again and gave them the opportunity to Cure and they again never sent it to me and then they sued me. This is NOT right ; I was trying to work with them by asking them to send me a written contract that I owed them the money and they never sent me the contract and just neglected me and sued me and ruined my credit. This is unfair practices on their part in accordance with FDCP and not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions. Please help me with the unfair practices and tactics that XXXX XXXX XXXX is taking on me and ruining my life as well as my credit.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (GA)

I dispute the following account APPLE CAR/GS BANK USA with the credit bureau because I have been a victim of identity theft. I sent in the identity theft report to the credit bureau when submitting all of my documents. And the account was never deleted, after contacting the credit bureau to dispute the account again. They informed me that APPLE has put a block so XXXX can not process another dispute. I requested information from the company when I disputed the account. This is against my right. And I am in touch with my lawyer and have filed a lawsuit against APPLE to get this account removed. I am giving APPLE one more chance to make this right. This has caused so much damage to me especially when trying to apply for things such as a car loan.
Consumer complaint received 2024-03-20
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: RFNA, LP (AL)

This is a fraudulent reporting activity and this company must be stopped. I have tried to dispute this information over and over again with the bureaus by sending documents to support the statement and they will not correct it. The keep saying the company has verified this as correct. It is not correct and I am requesting that this erroneous reporting account be corrected. I called XXXX spoke with a lady verified my name XXXX XXXX XXXX and DOB and Social. The lady advised that the account has a different name but my social and DOB stated that she couldn't help me with any information. How are you reporting an account on my credit report that I can't speak about. 


I have sent in my FTC reports to the bureaus and they refuse to block this activity
Consumer complaint received 2022-10-03
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. (TX)

Equifax and XXXX XXXX XXXX are reporting a {$9900.00} fraudulent loan on my credit report. I have disputed this loan several times and it is still reflecting this fraudulent loan on my account. 
This loan is a case of identity theft. I have attempted to contact XXXX XXXX XXXX to tell them this was fraudulent and inaccurate. I also reported this fraudulent account to Equifax who also have refused to update and remove the account from my credit report. 
I have repeated since XX/XX/22 asked Equifax to remove this account because it was a case of identity theft. Have incorrectly verified the account has accurate.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

I want to file a formal complaint against LVNV Funding LLC for egregious violations of my consumer rights. 
It has come to my attention after reviewing my credit report that LVNV Funding LLC placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute these alleged debts. 
I am unaware of this debt and I have no knowledge of these debt. 
I hereby declare my revocation of all communication channels with LVNV Funding LLC including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that LVNV Funding LLC provide a purchase order agreement between them and the alleged original creditors. I am particularly concerned about this collection account which has been posted to my credit report XX/XX/2024. 
I demand the immediate deletion of this account from my credit report. 
The date on my consumer report indicating that I opened an account with LVNV Funding LLC XX/XX/2024 blatantly false. I neither received any services or products from LVNV Funding LLC nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. It is also very deceptive. 
LVNV Funding LLC is in violation of the Fair Credit Reporting Act he Fair Debt Collection Practices Act and it also Defamation of Character. 
LVNV Funding LLC has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on my credit report. 
LVNV Funding LLC has not given me a chance to dispute accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) LVNV Funding LLC is violating my consumer rights by using false misleading misrepresentation and utilizing deceptive means. 
Collection agencies have no authority to furnish any accounts to consumer reporting agencies without providing any and all disclosures required by law. 
The actions of LVNV Funding LLC constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). 
I am formally demanding the swift deletion of these collections from my credit report on all the Credit Reporting Agencies that they reported to and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions
Consumer complaint received 2019-02-17
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: Amsher Collection Services, Inc. (NY)

I did not open, nor have I had, a XXXX XXXX account. Furthermore, I never received and correspondence or request for payment by mail from XXXX. I received a collection phone call from the company over a year ago where I stated I did not open the account and had alternative service from another provider for many years and I never heard again about this until I saw my credit report. 
I absolutely and categorically deny having anything to do with this account and anything contrary to that is fraud. I will NOT pay an account I did not open, authorize or benefit from.
Consumer complaint received 2015-04-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY (CA)

Well Fargo, where I have a private student loan, stopped sending me statements in XXXX of 2015. When I realized that I had n't paid my usual bill, it was already past due. I called to resolve the issue. I successfully convinced Wells to waive the late fee AND ( I thought at least ) to set up automatic online payments. 

No paper or online statements came in XXXX of 2015. Instead ( again ) the only way that I realized that I had a past due amount came when I received a phone call demeaning payment. When I called Wells again to see what was going on, they refused to waive the late fee and claimed my earlier conversation setting up the online bill pay never happened.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have not been about to obtain my Equifax reporting online, I called and spent an hour on the phone going through live ID Verifications and they said to give it 24 hours to appear its been at least 2 weeks and nothing, I have have able to peek using the annual and I saw that it said my " File was blocked for promotional purposes "!
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (CA)

XXXX wire transfers were made to entities which turned out to be fraud entities - attempts to recall the wires have been unsuccessful. They have not provided any goods and services. 
WIRE TRANSFER1 : DATE : XX/XX/2023 ; AMOUNT : XXXX USD WIRE TRANSFER2 : DATE:XXXX ; AMOUNT:XXXX USD I have created the following case numbers with XXXX XXXX to attempt to recall the wires WIRE TRANSFER1 : XXXX WIRE TRANSFER2 : XXXX For wire transfer XXXX actually I received a letter from the fraud investment company ( at that time I did not know it was a fraud ) that I should contact my bank and asked me to reverse the wire transfer : " Important notices Dear XXXX XXXX, We regret to inform you that the {$100000.00} transfer to XXXX XXXX  on XX/XX/2023 is currently inaccessible due to an ongoing bank audit issue. To resolve this, we kindly request your personal intervention at the bank to apply for a refund, citing the other party 's inability to ship the goods as the reason for the application. Once complete, we ask that you initiate a new wire transfer. Rest assured, your account credit in XXXX XXXX will be maintained during this period. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX Department '' I believe the receiving bank ( PNC Bank ) had knowledge of the irregularity of the wire transfer and actually suspected something - yet they allowed the transaction to go through and did not take steps to warn me or reverse the wire transfer. 

I will attach a copy of the email as a document. 



I have contacted XXXX XXXX to provide the funds back to me- but they do not respond to my emails as well as the Online chat with the XXXX XXXX does not yield any results.
Consumer complaint received 2022-10-03
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: TD BANK US HOLDING COMPANY (AL)

In accordance with the Fair Credit Reporting act 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 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 2022-08-05
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. (TX)

I sent a letter onXXXX XXXX, 2022 to CREDIT bureaus to removeXXXX XXXX XXXX XXXX Balance {$740.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any ITEMS or information not later than XXXX business days after the ( date of the Previous letter ) .Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.,
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: FISERV INC. (VA)

Complaint Regarding Persistent Billing Issues with XXXX XXXX XXXX  - XXXX XXXX To Whom It May Concern, I am XXXX XXXX, and I am writing to file a formal complaint regarding ongoing billing discrepancies with XXXX my payment processor. Despite multiple assurances from representatives regarding billing timelines and plan details, I have encountered consistent issues with unexpected charges and unclear billing practices. 

Upon upgrading my device, a representative assured me that I would not be charged until after a 40-day period. However, just one week later, I received an email demanding payment of {$150.00}, which was unexpected and contradictory to the initial agreement. Upon inquiry, I was informed of an additional {$170.00} owed, purportedly for a " register plan '' that I had not agreed to nor been adequately informed about. 

This is not an isolated incident. I have previously experienced similar problems with XXXX, including being billed for services that were supposed to be included in a XXXX plan and being falsely accused of non-payment for hardware that I had already paid for. Despite providing evidence of payments and resolving these issues with helpful representatives, I continue to face billing discrepancies and confusion. 

Furthermore, I have been unjustly sent to collections without prior notification or clarity on the amounts owed. I have never received any communication regarding the expected charges or when they would occur. Instead, I only receive notices when I am already in collections, creating unnecessary stress and frustration. 

In my recent interactions with XXXX representatives, I have learned that my plan with XXXX was not supposed to commence until XX/XX/XXXX, yet I have already been billed well in advance of this date, totaling over {$300.00}. Despite making payments, the billing irregularities persist, leaving me with mounting concerns about XXXX 's billing practices and the legitimacy of the charges. 

These inconsistent billing practices and lack of transparency are unacceptable. I have diligently documented all communications and evidence of payments to facilitate resolution, but the recurring nature of these issues indicates systemic problems within XXXX 's billing department. As a consumer, I expect fair treatment and clear communication regarding financial matters. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX rectifies these billing issues and implements measures to prevent similar incidents in the future. I appreciate your attention to this matter and look forward to a prompt resolution. 
I hope for a swift resolution and refund, along with a thorough investigation into XXXX 's practices by the appropriate authorities. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

On the day of XX/XX/18 a contract was signed with Capitol One Auto loan for a auto loan that was for {$17000.00} that was misleading and false representation of the amount of the debt violating consumer rights ( 15 USC 1692e ) if there is any debt owed the amount should be shown in the negative amount. These amounts are allegedly owed by the consumer showing in the positive. Unfair practices by the debt collector have also been taken ( 15 USC 1692f ) the debt collector failed to send the consumer 3 of the 5 written notices upon notice of debt ( 15 USC 1692g ) ( 3 ), ( 4 ), and ( 5 ) the auto contract also states under the section Security Interests ( the security interests you are giving us secures all amounts owed by you under this contract and all other agreements you have made in this contract ).
Consumer complaint received 2024-03-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (OH)

For the past 3 months a technical issue has prohibited me from accessing my Klarna account via Mobile or the website. When I try and login to Klarna I receive the following error : 'To use Klarna you must login with your mobile number. ' I have tried using my email and get the same response. I have not changed my phone number and Klarna was working perfectly fine for well over a year before this issue. 

I have several loans that have missed payments due to unknown reasons. But, I can not log into my account to find out. Klarna is sending harassing letters telling me to login to my account and make a payment. If I have issues making a payment I am told to visit the Klarna support site which I can not also log in to. 

Klarna is now threating me with collections, account termination and has charged several late fees for an issue that is clearly on their end and not mine. Klarna touts that it fired it's support staff and now uses AI based support, but their systems can not even figure out a basic login loop.
Consumer complaint received 2024-02-09
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (KS)

I received an email stating, Your creditor has agreed to accept {$0.00} as a lump sum payment which will resolve the account for less than the Balance Due. This offer is valid for 15 days from the date of this email and we are not obligated to renew this offer. 

You can accept this offer by calling us at XXXX. 
When I called the number provided I was told it was an error which to me seemed like a deceit tactic to get me to call and therefore breaking the law and consumer protection act.
Consumer complaint received 2021-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

On XX/XX/2020 : Phoenix Financial Services Inc has reported to all three of my credit reports for a bill totaling {$76.00} This debt does not belong to me, I have not been to a hospital  in 7 Years. This debt again does not belong to me. So I am asking Phoenix Financial Services to remove their trade off all 3 of my credit reports. Or I will have no choice but to hire me a lawyer and make this a legal case. 

I am asking for the removal.