davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-24
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: Resurgent Capital Services L.P. (AR)

My name is XXXX XXXX XXXX and LVNV Funding and XXXX, XXXX and XXXX are using predatory debt collecting pratices to extract additional fund from by self because this company is a third party not orginator has falied to inform the Orginator of the payment that I have already made. With that being said this company vicious debt collecting pratices have taken steps to retrieve monies from my empolyer thought that court system. I am informing this Federal Agency that tactic is illegeal when paymenst have been made drectly to the orginator. I am in need of your direct assistance with this matter. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2024-02-10
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: EQUIFAX, INC. (FL)

I hope this letter finds you well. I am writing to express my dissatisfaction and frustration regarding the ongoing issue with my open account at your bank. Despite my previous attempts to rectify the situation, it appears that the matter remains unresolved. I initially brought the matter to your attention through. At that time, I explained the circumstances surrounding the late opening of my account and requested prompt assistance in resolving the issue. However, to my dismay, the matter persists. I understand that mistakes can happen, and I appreciate your efforts in addressing the issue after my initial complaint. Unfortunately, the situation has not been rectified, and it is causing me considerable inconvenience. As a valued customer, I expected a more expedient resolution to such a matter. I kindly request that you investigate this issue promptly and provide me with a detailed explanation of the reasons behind the continued delay. Additionally, I would appreciate a clear timeline for when this matter will be fully resolved. I believe that transparency and communication are crucial in maintaining a positive customer-bank relationship. If necessary, I am willing to provide any documentation or information that may assist in expediting the resolution process. I trust that Credit Bureaus values its customers and will take the necessary steps to rectify this matter promptly. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$120.00}.
Consumer complaint received 2019-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (NV)

Harris & Harris from XXXX calls my work phone XXXX with a robocall debt collection message almost every single day for a debt that is not mine. It's been almost a year since I started a new job with this phone number. It's just a machine that calls with the exact same message, and there's no way for me state that they have the wrong number.
Consumer complaint received 2020-06-24
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 was checking my credit report today XX/XX/2020 because I was going to apply for a loan but I saw eleven accounts on my credit report that do not belong to me ; I had no idea these accounts were on my credit before today because I never gave anyone permission to open them in my name nor did I ever sign any contract or agreement with any of the companies I listed on this report. I am not affiliated to any of these companies and I did not give them permission to run or access my credit information. I did not benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not make any payments towards any of the balanced on these accounts. I don't know who could have got a hold of my personal information to open these accounts but I have already filed a police report in hopes of getting these unauthorized accounts resolved.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DC)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ).

1. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
3. The following personal information is incorrect Account Number : Former : XXXX XXXX Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ..promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Dear Sir/Madam, I am writing to inform you that you have violated provisions of the Fair Credit Reporting Act ( FCRA ) in your reporting of inaccurate eviction information on my consumer file after I disputed this information.

Specifically, you failed to delete inaccurate past due amounts related to a 2018 eviction on my report as required by FCRA Section 611 ( a ) ( 5 ) ( A ). This section states that if a reinvestigation of disputed information finds the information to be inaccurate or unverifiable, you must " promptly delete that item from the file of the consumer '' By simply modifying the incorrect past due amounts and not removing the eviction information on my report, you violated the FCRAs requirements. Furnishers of information have a duty under Section 623 ( a ) ( 1 ) ( A ) to provide accurate consumer data. And none of the FCRAs exceptions allowing modified but undeleted information apply here, since the core issue is that the past due amounts themselves were inaccurate.

I previously disputed this eviction record information based on these inaccuracies. Now I am demanding that you immediately delete this eviction information altogether to comply with FCRA Section 611s obligations for consumer reporting agencies. If you fail to do so, I will be forced to exercise my rights under Sections 616 and 617 of the Fair Credit Reporting Act to pursue legal damages against you for non-compliance with the statute.
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: eToro USA LLC (WI)

Hi, On XX/XX/21 my bank wired {$2000.00} to another bank located in the US XXXX XXXXXX/XX/XXXX XXXX. My bank has verified with their bank the funds were received. 

The company is an online investing company called Etoro USA LLC. They are registered with XXXX. XXXX told me to contact you guys. 

The money was to post within 7 days. Nothing posted so I tried contacting them. They have a phone number that doesn't have a live person and directs you to open up a case. I did so but several weeks went by and nothing. Finally I received an automated response stating they were looking in to the matter. Then several more weeks go by and I receive another email stating the issue was resolved and this case is close. 

Nothing was done and they just closed the case. I started a new case and I am waiting. This company advertised on national TV. Is located through out the world. They have an office in New Jersey but no numbers. They have a chat line that is not working. 

I do not know what to do. I did some research online. It seems there are 100 's of people they have ripped off. I have their app on my phone. I do not understand how they are allowed to operate like this? 

At this point, I just want my money back. The fees, my time spent is just getting to be so much. 

Can you please help me or give me ideas as to what I can do. 

https : //www.etoro.com/en-us/ Thank you, XXXX XXXX
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

I was a member of Navy Federal credit Union. They close my account due to overdraft protection. I was getting charged overdraft fees that led up to them closing my account because I couldnt pay them in time I asked could I please be on a payment plan to keep my account but instead they close my account
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

i have submitted identity theft report, they chose to fix some issues and ignore others under FCRA 611 ( 15 U.S.C 1681i ) they are to re-investigate. i have attached the report and some of my credit report to be investigated, and have circled the one i believe are not mine.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

It is concerning to discover that my credit with your bureau has been compromised. I have been informed that despite submitting items with an FTC fraud report # XXXX, they have not been removed. This represents my second complaint as a victim of identity theft, and I have submitted it to dispute the inquiries in my file resulting from the crime. Attached is my new FTC report # XXXX for your reference. The inquiries I am disputing do not pertain to any transactions for goods, services, or monetary exchanges authorized by myself. Therefore, I request the removal of the reporting of these inquiries from my credit file, which resulted from an alleged identity theft : EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are unfamiliar to me. Additionally, the information provided on these inquiries has been deleted from other bureaus, casting doubt on their accuracy. The reported history dates of these inquiries are also unknown to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I request their removal.
Consumer complaint received 2020-06-24
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. (OK)

I have submitted disputes to XXXX, Equifax and XXXX  regarding inaccurately reported late payments for accounts that were in forbearance. The accounts have since been closed but the accounts late payments are still reporting inaccurately. In addition to that, other information is reporting inaccurate as well just as the date of late payment and date the account was open. The bureaus have failed to provide me with detailed information regarding the verification and proof of the verification. I have spoken with countless representatives at all three bureaus as well as the lender.
Consumer complaint received 2020-06-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC (NM)

Purchased a vehicle from XXXX XXXX in XXXX, New mexico. First time car buyer doing things on my own, they offered to get me in the car for XXXX down and claimed it came with a warranty. Turns out there was no warranty and they instead sold me gap insurance. They then told me after the 500 mile/15 day warranty that I was gon na get a call from the bank and that I had to say that I paid XXXX down and made more then I did or my car would get repossessed and i would get in trouble for committing fraud on my application after they changed the numbers. The car blew up less then 5000 miles later and I am stuck with 5000+ in repairs and a interest rate that is 6 % higher then they originally told me. The bank said they would delay my payment til the XXXX and I got a email today saying I'm 20 days delinquent and that I have not responded to their requests to reach me when I called them on 3 or more occasions. I was told to email them the vehicle diagnosis to be told they never received anything after 3 times of sending it. Im about to hit the 30 day late and don't want to get a repossession on my record when I was scammed into the car.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

This marks another instance of reporting identity theft victimization. Pursuant to the Fair Credit Reporting Act Section 605B ( a ), it is imperative that you promptly remove any items opened without my knowledge, consent, or authorization within four business days upon receipt of ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) an identity theft report ; ( 3 ) identification of such information by the consumer; and ( 4 ) a declaration from the consumer affirming the information 's non-association with any transactions. The following fraudulent items necessitate removal : 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 ======EQUIFAX 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. If you assert the accuracy and verifiability of these items, I request documentation bearing my signature. However, I maintain that no such documentation exists. In the absence of signed agreements, I urge the removal of these items from my file. It has come to my attention through research that you have a pattern of non-compliance with the aforementioned FCRA statute. Should you choose to disregard my request for account removal, I will be compelled to involve legal counsel. I implore you to avoid escalating this matter into a legal dispute. Additionally, I emphasize the urgency of removing any items or information resulting from alleged identity theft within the stipulated four business days. I do not consent to E-OSCAR or any form of automated verification.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Exhibit A : CapitalOne Bank kept open XXXX XXXX checking account that was closed nearly two years in order to consume every cent. I received letter dated XX/XX/2020 indicating account finally closed. CapitalOne Bank had wiped out funds left in my account that CapitalOne initially closed when I complained of fraud. In fact, CapitalOne also closed all XXXX accounts also that I XXXX. 
Exhibit B : CapitalOne Bank had agreed to lower monthly payments on credit card to {$110.00} due to COVID-19, but statements constantly much more. 
Exhibit C : CapitalOne Bank did not offer lower payments on credit card that has limit of {$500.00}. Increases in monthly payments continue while no assistance due to COVID-19.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Please note that I am the author of this complaint and all attachments. I have attached a copy of my driver 's license and my social security card to verify my identity The credit bureaus have violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b " ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. '' After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

Experian has me listed as be deceased resulting in my card card at XXXX XXXX being blocked. I first reported the inaccuracy in XXXX. I have tried everything to get Experian to believe I am alive.
Consumer complaint received 2019-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OR)

on XX/XX/2019 I filed a Fraud claim at Wells Fargo - indicating that all transactions with XXXX XXXX XXXX were not authorized - per the contract I signed with them I signed three different times to end the billing authorization. These attempts were not taken seriously. I identified 3 years worth of fraudulant charges with Wells Fargo and XXXX as my foster father was using my funds at his leasure. I reviewed 3 years of banking history and identified the theft of my funds with XXXX XXXX XXXX and XXXX XXXX all whom stated that they filed fraud cases- however they did not. I received multiple letters in the mail indicating that I would receive access to a provisional credit as this was investigated, however this false and never happened. I went to different branches and at the last branch when I was trying to file an additonal fraud claim the bank manager- XXXX instructed me to give her my debit cards- which I did, then she told me she would disable them- she did not. I have not received any provisonal credit after making extensive investigations and claim reports. I was told I would be receieving a check in the mail for the fraud and I have not. All the bankers I met continued to steal from me.