davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TX)

To start off, I am XXXX. I am XXXX, which in America is considered a XXXX. It is XXXXXXXX XXXX. I have tried resolving these problems with Regions Bank many many times, in attempts to get relief from the overdraft fees of well over {$200.00} a month for the last year or more. The majority of the time I have been opted out of overdraft protection. 

As it stands right now, my bank account is- {$820.00}. My paycheck will not be coming to this bank account any longer, as I will not be able to pay rent or anything of the sort if it did. 

With that said, I am currently opted in to overdraft protection, which I did because I needed it this past week. My limit is- {$200.00}. So please have someone explain to me how transactions do not get declined, and at what point they do get declined, or if their abusive practices simply allow it to go that negative due to my direct deposit coming through each month. 

I have gone to the XXXX  in hopes that I receive a refund for the past year of overdraft payments, as many times they have overdrafted me on {$2.00} charges. From the dates XX/XX/2021 to about XX/XX/2021 I was on Social Security XXXX, and that was my only income. 

This entity is financially abusing me and I have no escape from it. It does not matter to me if these charges are bounced- I can manage without them until paydays. What I can't do is handle $ 200+ a month in overdraft fees when I am already living paycheck to paycheck and counting on my elderly mother for food and utilities. 

If this is not abuse, then I will not be using a bank account in America any longer. I want to see more action taken against Regions Bank than them simply sending me a letter in the mail instead of responding to me through the channel that I chose. They didn't even have my address entered correctly. 

This is unacceptable. XXXX XXXX 's bill, the Stop Overdraft Profiteering Act of 2021, has seemed to have an impact as Regions is discontinuing overdraft fees, but Regions still refuses to offer any assistance by refunding the fees or preventing them from continuing. 

It does not cost these banks {$35.00} for a {$2.00} fee! THIS IS LEGAL FRAUD. The economy is crashing and it's America 's banks that are at fault. If nothing is done regarding this case, I am switching solely to Bitcoin. They will not get another penny out of me.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Hey for reasons unknown you all are saying my grievance isn't me. Here I am again battling to get my objection heard because of my freedoms being broken. It's been over 30 days since I haven't heard a single thing from the credit agencies. I have unapproved credit accounts on my credit report that are false
Consumer complaint received 2022-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Receivables Group, Inc. (TX)

Hi, To whom this may concern, I have contacted Healthcare Receivables on XX/XX/XXXX to Request my Debt Validation with the following information below, The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt, including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Whether this debt is within the statute of limitations and how that was determined. 

Details about their authority to collect this debt : whether they are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If they are contacting me from outside my state, provide the licensing information from their state as well. 

I was contacted from a representative XXXX, XX/XX/XXXX at XXXX XXXX  that accidentally called without realizing that her company had sent out a letter or mail with information regarding my case. She then realized that her company submitted my information to the wrong address. I contacted the company last month and hadn't received a phone call or email until today. This is a violation of HIPAA due to it is unethical to send out a person 's personal information without confirming their correct address. I provided the representative with my correct information but, due to the federal law it states that the company had 30 days to respond to my letter and unfortunately, I am locating in Texas and they are now having to reverse and send out a new letter to my correct address, which will cause a interference and time constraint with the 30 day time frame.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have already sent multiple requests last XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$21000.00XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$18000.00} Please remove the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$0.00XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$0.00} 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 2022-03-14
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. (PA)

Iam writing this complaint to simply remove information that is being reported to my credit file. Ive received a copy of my Transunion credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. Ive also reported the theft of my identity to the Federal Trade Commission.
Consumer complaint received 2022-03-09
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. (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX M SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

15 U.S.C. 1681 section 602A states I have the right to privacy 15 A.S.C. 1681 section 604A section 2 It also states A consumer reporting agency Can not furnish a Account without my writing instructions. 



In according with the fair credit reporting act convergent accounts listed under XXXX has violated my rights XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( 6 late payments during Covid ) In according with the fair credit reporting act convergent accounts listed under trans union has violated my rights Trans union XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6 late payments during Covid ) In according with the fair credit reporting act convergent accounts listed under XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 6 late payments during Covid )
Consumer complaint received 2022-03-14
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. (NY)

Experian is reporting incorrect and outdated information on my credit report from XXXX XXXX and The Bureaus. I never had these accounts. I have been receiving a poor credit score for over 5 years for accounts that I never had. My information was stolen and these accounts are not mine. The companies can not collect on these debts because they do not belong to me and they are old. Experian keeps sending me credit card approval notices for cards with high interest rates, so that I will accept one of these cards, in lieu of the agency removing this info and raising my credit score, this is fraud
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance With the fair credit reporting act XXXX XXXXXXXX XXXXt Account # XXXX, XXXX XXXX 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.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (VT)

I am a Citizens Bank customer and would like to file an official complaint. 

Back in XXXX, I filed a fraud claim against a vendor for failure to perform services. Citizens investigated the claim and astonishingly, found for the vendor. The provisional credit that I had received was due to be deducted from my account on XX/XX/2022. 

I contacted the bank to discuss their findings, arguing that an unsigned contract and a blank form submitted by the vendor was insufficient to determine that the vendor had performed the services for which they had been hired. The bank representative I spoke with agreed with me and changed the provisional credit to a permanent credit. I asked that he confirm that no money would leave my account on the XXXX, as the vendor was, in fact, in the wrong. He assured me no deduction would take place. 

Of course, the deduction did take place and on XX/XX/XXXX, my account was overdrawn as a result. 

I immediately called the bank, spoke with a representative and was told that a form had been submitted on my behalf and that someone would get back to me. I did not receive a phone call. 

On the following day, I called again. I was again assured that someone would be returning my call, and this representative explained that I could not contact the department responsible directly, and neither could she. The only possible way to get this resolved was to file a form. That representative filed a second form requesting a call back and agreed to make it a high priority request. 

I never received a call back. 

I called a third time, spoke with a different representative who told me that she indeed saw that there should have been a permanent credit made to my account, assured me that someone would call me back that day, and apologized for the error. 

Needless to say, no one called me back. 

I called again this morning. Spoke with a supervisor who, while apologetic, told me that the only thing she was able to do to help me was submit yet another form requesting a call back, and that the bank policy was that a response could take 24-48 hours. 

This is absolutely unacceptable. My account is still overdrawn, I have now missed payments and bounced checks and am unable to access MY MONEY. The department ( the Electronic Banking Operations Department at XXXX ) does not take incoming calls, although no reason is provided. 

It can not be legal for Citizens Bank to hold my money for this long, to provide no way to contact the department who made the bank error and to fail to contact me for a week regarding this issue.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion has removed an account from my credit file. they said that they had removed it due to fraud documents. 
after long phone conversations and correspondence with XXXX XXXX i was referred to TransUnion again, to request them to remove the block from this account. But TransUnion refused to do so. they stated because they have received an FTC report, so they unable to put back that account in my credit file any more. while this matter was an error and I DO HAVE THE RIGHT TO HAVE 100 % ACCURATE INFORMATION IN MY CREDIT FILE. SO i'm requesting them to allow XXXX to report that again. thank you
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I upgraded my credit card in XX/XX/2021, charge for new credit card paid was {$390.00}. One of the benefits is FREE PRIORITY PASS for travel lounges etc. Four months into the card the PRIORITY PASS people are saying my credit card does not qualify. HOURS ON THE PHONE WITH CAPITAL ONE with no resolution. CLEAR CASE OF BAIT AND SWITCH BY CAP ONE. VENTURE X IS A SHAM
Consumer complaint received 2022-03-07
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. (IL)

XXXX on my credit report I have no idea what it is and why its on my credit report. I want proof of who they are to make sure its not a random bill from anywhere I never received anything from the company and dont know who they are
Consumer complaint received 2022-03-09
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: CITIBANK, N.A. (TX)

Hi, My name is XXXX XXXX under my XXXX  credit report it is allowing MACYS/DSNB under the account # XXXX to report a delinquent account that doesn't belong to me and isn't mine on XXXX  credit report. I have a FTC report # XXXX that I filed with the FTC about this debt and account being not rightfully mine however XXXX continues to unlawfully allow this account to exist on my credit report even after I have reached out to them on multiple occasions as well as requested how this information was verified as accurate when it is not mine and they fail to fix, or respond to the issue.
Consumer complaint received 2022-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP (WI)

Received a call from XXXX ( collection agency ) XXXX XXXX regarding a balance from US Bank from XXXX. He said the bank had an oversight many years ago and failed to contact me. When asked for him to verify my address he had an address from XXXX and said they just had an oversight and did not send out collection activity and now us Bank wants to recoup the money and failure to pay would put me into check system. I am furious because I have a great credit score and very little debt and to be contacted years later without notice is unreal! He said he did understand how odd this is and said to wait for a letter in the mail. I asked " how are you sending a letter when you don't have my address? He said " oh we will just put your info in the data base and find it ''. I said well how come you haven't done that in 16 years? He said " it was an oversight ''. This is ridiculous! I will also be filing a XXXX complaint as well!!! Acct # XXXX XXXX XXXX
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (NY)

I submitted a complaint with CFPB XX/XX/XXXX, The company did not FULLY investigate my fraud claim and hastily sent a response that they did and my claim was unfounded which is untrue. 
The investigated the wrong card as well. 


When I checked with CFPB I seen my claim was closed with that same letter I received from the company as the reason for the closure. 
As i said before I reached out to the CFPB because of the lack of rsponse from this company. 
To date the company refuses to answer my concerns which I find alarming. 
I've yet to be able to speak to a human concerning the initial XX/XX/XXXX complaint Beside having my calls dropped, I been connected to lines that are never answered. 

Only contact numbers involved XXXX XXXX XXXX XXXX XXXX XXXX Its as if the company as well as CFPB didn't even read my complaint. 

Original text : YOUR COMPLAINT On XX/XX/22, I Received an email that my bi-weekly pay check was deposited in my AmericanExpress XXXX  bank acct. Several hours later I received and text stating a ATM withdrawl was denied, and a XXXX charge was placed on my acct. I immediately opened my mobile acct and seen 4 un-authorized withdrawls were recently made by ATM in the XXXX  XXXX XXXX, NY. After placing a freeze on my acct I contacted XXXX XXXX XXXX. I notified them that I had experienced this same type of fraud an previous time with my XXXX  acct ( Physical swiped charges where made at a California XXXX, while I had physical possesion of my XXXX  card in New York ) I explained that I currently possessed card ending in XXXX on my person in the XXXX, NY and at no time was I ever at the location where the un-authorized swipes were made XXXX, N.Y. At this time I also noticed a previous un-authorized charge from 2 weeks prior that was also listed on my account. DATE LOCATIONS XX/XX/22 {$100.00} XXXX XXXX XXXX XX/XX/22 {$300.00} XXXX XXXX XXXX XX/XX/22 {$200.00} XXXX XXXX XXXX XX/XX/22 {$180.00} XXXX XXXX XXXX XX/XX/22 {$50.00} NY DOT XXXX XXXX After making my initial contact with XXXX  cust service, I have been unable to reach anyone at the telephone I made the claim. Past 10 days the automated number disconnects when you request to beconnected an agent. I just received a letter from XXXX stating after their investigation they were declining my claim on card ending XXXX. The card with un-authorized charges ended with XXXX. Card ending XXXX is the replacement card Ive yet to receive. I would appreciate any help you can extend. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.