davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

My score on Equifax was not showing on my credit report, my info need to be update and all incorrect info need to be deleted. 

Here 's my info : XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN:XXXX DOB:XX/XX/XXXX
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc. (TX)

Mercuryhttps : //mercury.com/ ) I opened an account with this Mercury Bank My company name : XXXX XXXX XXXX XXXX On XX/XX/2024, Mercury Bank closed my account and will not refund the funds in my account. 

The total amount withheld by Mercury from my account is {$96000.00} Mercury Bank failed to communicate with me and withheld my funds for no reason. This resulted in me being unable to pay my suppliers and having to pay liquidated damages, causing huge losses to my company. 

A month has passed and I have tried communicating with them via phone and email but they have not responded.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (WI)

I tried to use a ATM and it didn't have enough money so I got a receipt said authorized reversal and when I called ATM service they transferred it back to chime and chime keeps telling me it was a complete transaction but ATM service saying they sent it back and it shows in there system that but chime won't even look in to it
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am the natural consumer XXXX XXXX, completing this report by myself, with no help from any organization or other person. 

I did not consent to Authorize nor benefit from this account.

Pursuant to 15 U.S. Code 1681b - Permissible purposes 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.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I never provided written to any agencies to report on my behalf. This is a violation of my consumer rights.
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service (AL)

Specifically, your actions have violated the following provisions of the FDCPA : * **12 CFR 1006.34 ( b ) ( 5 ) : ** This section prohibits you from using unfair or unconscionable means of collection, which can include harassing phone calls, misleading statements, or threats of violence.

* **12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** This section restricts the false or misleading representations you can make about a debt.

* **12 CFR 1006.34 ( d ) : ** This section limits the number of times you can contact me regarding the debt.

* **15 U.S.C. 1681s-2 7 ( A ) : ** This section prohibits harassing, oppressive, or abusive conduct in connection with debt collection. 
* Remove any inaccurate information about this debt from your records. 

I am aware of my rights under the FDCPA and will not hesitate to take legal action if these violations continue.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (IN)

I want to formally write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company has an account number listed on my report as : NATL RECOVER XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-29
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. (FL)

This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax that the following XXXX XXXX XXXX  account payments to be removed and change the payment status to current because of the Care Act. Under 15USC 1666B this is a billing error always paid on time, this is an error, and this account is in violation of the Care Act. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo is able to process the fraudulent transactions only from XXXX  but the merchant " XXXX XXXX XXXX '' deducted in {$52.00} on XX/XX/XXXX and once again {$49.00} deducted on XX/XX/XXXX
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I have a new debt collection from called XXXX XXXX XXXX that bought my medical bill of {$210.00} by XXXX XXXX XXXX 6 years ago that has hit my credit like it is a new debt. Furthermore this debt was once on my credit for a very long time that has reappeared on my credit before. I recalled paying this debt years ago but they have no record of me paying this. Still it is a very old debt.
Consumer complaint received 2024-05-08
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ACIMA CREDIT, LLC (TX)

I am writing to complain about ACIMA DIGITAL FKA SIMPLE, According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission. I am not liable for this debt with ACIMA DIGITAL FKA SIMPLE, i do not have a contract with ACIMA DIGITAL FKA SIMPLE and they did not provide the original contract as i requested. 

The amount shown is XXXX
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (TX)

In retaliation for submitting previous CFPB complaint regarding PNC Bank 's lack of concern or service regarding their allowing obvious fraud to be committed against me ( and still have not resolved beyond lip service ), PNC is refusing to re-issue bank card. Customer service remains unreachable other than one call in which I was immediately hung up on.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DigniFi (CA)

I received my credit report and found out that someone opened a credit account number XXXX with XXXX XXXX  online using my name, date of birth and social security number. 
I didn't open this account and don't have anything to do with it. I called XXXX XXXX  and filed a complain on XX/XX/2024 at XXXXXXXX XXXX. They closed the account but it has a balance of {$4200.00} This damaged my credit score a lot and I also filed a complain with the 3 credit companies. 
I received the result from XXXX as follows : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. '' I placed a freeze initiated a fraud on my account. I also filed a police report with XXXX Police Department and filled a claim on www.identitytheft.gov
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (OR)

XXXX XXXX XXXX  - XXXX account opened XX/XX/XXXX XXXX Last payment was for {$300.00} on XX/XX/XXXX. On this date I chose to call and pay the remaining balance on the account in full and voluntarily close it. It was not until XX/XX/XXXX, when I received a phone call from RCS collection agent XXXX XXXX that I found out my account was not closed. 

Even though I asked that the account be closed, XXXX sold the account on XX/XX/XXXX without notifying me. This was done just 2 days after I believed I had closed my account voluntarily. One department obviously didnt know what the other was doing. 

The company XXXX sold my account to, continued to try and auto withdraw monthly payments from my bank. Suspecting fraud, I called XXXX the following month to make sure the account was closed as requested. A XXXX agent told me that I no longer had an account with them, so I assumed it had in fact been closed. Later I found out that XXXX declined and returned the {$300.00} payment I made to close the account, because it had already been sold. XXXX said that because they no longer owned the account, they were no longer allowed to give me any further information. 

Because I did not recognize the name of the company trying to draw funds from my bank I closed the checking account they were drawing from. 

No one contacted me by mail, email, or phone to tell me the account was still open or had been sold to : Resurgent Capital Services ( RCS ). XXXX. 
That account, ID # & & XXXX, came to them with no late reports and showing a balance due of {$790.00}. Again. I can only assume that the increased balance of {$790.00} amount was due to added late fees applied after the account was sold. 

RCS claims that they tried to reach me through the mail, but later acknowledged that they had an incorrect mailing address and email address on file. I never received correspondence from them. If I had received any of this correspondence, I would have dealt with it immediately. 

RCS manages this account for yet another 3rd party, LVNV Funding who hired XXXX XXXX to collect the amount of {$790.00}. LVNV-XXXX continued sending notices to the wrong address, so I was unaware anyone was trying to reach me. 

On XX/XX/XXXX, I received my first phone call about this matter from XXXX XXXX with RCS. She said that in reviewing the account there was clearly sufficient evidence to dispute the false reporting. She immediately placed the account in Dispute Status. She provided proof that XXXX XXXX tried to reach me at an incorrect address. 
( attached ).
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am in shock. I took a look at my credit report and noticed several accounts I did not open or even apply for. I notified the companies to let them know I did not apply for these accounts however the accounts have been repeatedly reported negatively to my credit profile. These negative accounts are stopping me from moving to another level in my life. Which is causing XXXX  XXXX. I am at the end and I do not know what else to do about these accounts. 

These big name companies with big pockets are violating my rights and hurting my small pockets. Virtually and financially XXXX XXXX Keeping me in poverty and unable to survive and sustain the american dream. I know this is wrong morally and according to the law 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.

I have attached a copy of my identity theft report. Thank you for your attention to this matter.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (OR)

XXXX XXXX XXXX - XXXX account opened XX/XX/XXXX XXXX Last payment was for {$300.00} on XX/XX/XXXX. On this date I chose to call and pay the remaining balance on the account in full and voluntarily close it. It was not until XX/XX/XXXX, when I received a phone call from RCS collection agent XXXX XXXX that I found out my account was not closed. 

Even though I asked that the account be closed, XXXX sold the account on XX/XX/XXXX without notifying me. This was done just 2 days after I believed I had closed my account voluntarily. One department obviously didnt know what the other was doing. 

The company XXXX sold my account to, continued to try and auto withdraw monthly payments from my bank. Suspecting fraud, I called XXXX the following month to make sure the account was closed as requested. A XXXX agent told me that I no longer had an account with them, so I assumed it had in fact been closed. Later I found out that XXXX declined and returned the {$300.00} payment I made to close the account, because it had already been sold. XXXX said that because they no longer owned the account, they were no longer allowed to give me any further information. 

Because I did not recognize the name of the company trying to draw funds from my bank I closed the checking account they were drawing from. 

No one contacted me by mail, email, or phone to tell me the account was still open or had been sold to : Resurgent Capital Services ( RCS ). XXXX. 
That account, ID # & & XXXX, came to them with no late reports and showing a balance due of {$790.00}. Again. I can only assume that the increased balance of {$790.00} amount was due to added late fees applied after the account was sold. 

RCS claims that they tried to reach me through the mail, but later acknowledged that they had an incorrect mailing address and email address on file. I never received correspondence from them. If I had received any of this correspondence, I would have dealt with it immediately. 

RCS manages this account for yet another 3rd party, LVNV Funding who hired XXXX XXXX to collect the amount of {$790.00}. LVNV-XXXX  continued sending notices to the wrong address, so I was unaware anyone was trying to reach me. 

On XX/XX/XXXX, I received my first phone call about this matter from XXXX XXXX with RCS. She said that in reviewing the account there was clearly sufficient evidence to dispute the false reporting. She immediately placed the account in Dispute Status. She provided proof that XXXX XXXX tried to reach me at an incorrect address. 
( attached ).
Consumer complaint received 2024-03-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/XXXX Letter Truist 6 ( non-affiliate ) XXXX Truist XXXX-VA XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX Letter XXXX XXXX XXXX ( non-affiliate ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX FDIC XXXX XXXX XXXX, XXXX, XXXX , DC XXXX XXXX XXXX XXXX, XXXX, XXXX , DC XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re XXXX XXXX XXXX XXXX # XXXX Fair Proper Steps Vehicle Repossession Recovery On XX/XX/XXXX a police officer told me the car was repossessed. I was unaware and did not understand. Previously, I did not experience such pattern of actions. 



Justice Department Requires Divestitures in Order for BB & T and SunTrust to Proceed with Merger ( Divestiture Merger-DM ) Unfortunately, the Lien Holder is Suntrust. 
The BUYERS ORDER reads, Terms of Agreement and Certification I ( Customer ) agree to the purchase the above describe vehicle on terms stated in this contract and in the delivery agreement signed with this Contract 4. free and clear of all lien encumbrances except as otherwise noted herein Fourthteenth Amendment property 5 USC 611 prompt delete 15 US 41 consumer rights 15 U.S.Code 6802 respect to disclosures 42 U.S.C 2310 F. A repossession commission 18 U.S.C bank Bribery Act 215 ( a ) ( 2 ) ( 4 ) 18 U.S.C 873 black mail O.C.G.A 10-1-2 goods holder motor vehicle retail installment O.C.G.A 10-1-36 remedies O.C.G.A 16-8-2 theft by taking O.C.G.A 16-10-2 ordinary course of business O.C.G.A 44-14-411.1 second notice reedem To resolve, dont ruin my credit history if fair proper steps arent being taken. If it is not valid or verifiable do not ruin my character credibility. Credit is stability. 

XXXX XXXX
Consumer complaint received 2024-03-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Atlantic Recovery Solutions LLC (IN)

I received this voicemail on XX/XX/year> from an XXXX XXXX regarding some debt owed supposedly. My voicemail is a shared voicemail for multiple people in my home therefore multiple people have access to said phone, it does not have a greeting on the voicemail and is a direct violation of the FDCPAs guidelines regarding voicemails considering the fact he disclosed he is a debt collector attempting to collect a debt, as well as threatened to verify my employment. This is not considered a limited content message.
Consumer complaint received 2024-03-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (FL)

Capio Partners LLC violated numerous Fedral & State regulations including 15USC1692g. Per my consumer reports, this debt collector opened an account marked collection account and started reporting on different months with separate credit reporting companies which in of istelf is erroneous reporting which violates reporting regulations. I DID NOT receive a Validation Notice pursuant to 15 U.S.C. 1962g. As a result, I was not afforded my right to dispute this alleged debt within XXXX  days pursuant to 15 U.S.C. 1692g ( a ) ( 3 ). CAPIO also FAILED TO VALIDATE ALLEGED DEBT AND HAS NOT PROVIDED HIPAA AUTHORIZATION FOR THE DATE OF SERVICE FOR ANY ACCOUNT NUMBER THE ARE REPORTING. I pay any and all medical bills at the time of service ( in full, with a credit card ) by requesting a " Self Pay Itemized Statement '' before leaving any type of medical treatment. The medical provider is required by Federal law to provide a complete itemized bill when requested at the time of treatment. I am attaching XXXX  of the documents showing correspondence between myself and the hospital on a previously erroneous reporting that has the exact same XXXX amount marked as a collection with the hospital confirming I have no outstanding balance or bill. I have a file of XXXX XXXX  of documents with all my medical receipts and can verify everything is paid by credit card at the time of service. My attorney said I have to file this with your system as a last attempt prior to court filing. This company will not respond properly to my certified mail request and this is the last attempt by me for removal before my attorney will file to have this removed from my credit report by form of court motion. I have all the supporting documentation.