davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

The XXXX XXXX fraudulently charged my Suntrust debit card in XX/XX/2018. I reported this to Suntrust. Suntrust reversed the charges, did an investigation, and without any evidence decided to undo the reversal of changes of approximately {$1000.00}. This caused a cascading amount of overdraft charges due to this unanticipated chargeback of the fraudulent charge. I contacted Suntrust numerous times to straighten this out and Suntrust refused to provide evidence that the charge was nonfraudulent or resolve this issue. I knew the charge was fraudulent because I did not charge it and did not authorize it. As a result of this incident, Suntrust put me in XXXX. I contacted XXXX XXXX recently after being notified Suntrust had noted this in the XXXX and explained that this was the result of fraud. Despite this XXXX did not remove this entry.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

I have a XXXX XXXX and a Torrid card, both through Comenity. I had been trying to check my balance and pay my cards on the site for a week and keep getting errors or reports of glitches and unable to login for both card sites. I complained on twitter and they advised to call the number on the card to pay, but the automated numbers just hang up on you and tell you to call back later. This has also been going on over multiple days.
Consumer complaint received 2022-07-02
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. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-09-30
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. (NY)

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2022-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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. 
The following Accounts : Loan Account Holder : XXXXXXXX XXXX XXXXXXXX XXXX Loan account number : XXXX Balance amount : {$14000.00} Payment amount : {$590.00}
Consumer complaint received 2023-04-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Good Afternoon.. my dears At Consumer Financial Protection Bureau.. greeting My complain today is against [ Wells Fargo Bank, Service of process ], Since after almost more than 5 months wells Fargo Service of process , returned My judgement uncollected Because, of their own mistake [ wells Fargo Altered my Civil case NumberXXXX ] Please see my email message.XXXX 


Kind attention : my dear XXXX XXXX senior business Exceution Administrator good morning.. and Good morning to my dears at service of process team at wells Fargo bank as well. 
Dear XXXX I noticed very big mistake in your letter you sent it To me on date XXXX XXXX My case is XXXX Also all Defendants names are listed here [ Plaintiff Federal Procedure XXXX ] Attached for your kind attention See also [ judgment statement of cost ] Also puch of Defendants names Listed at petition Write of XXXX XXXX above Dear XXXX please process My judgement, since the civil case Been found on your correspondence to me was wrong Please notify me upon receiving My email message, thank you, and XXXX Bless Yours Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-07-02
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. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-02
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. (FL)

I have reasons to believe that a collection agency have erroneously reported information on my account and has illegally charged a fees of what I owe ( XXXX ). I have submitted a dispute with Equifax which was received by them on XX/XX/22 where I asked for them to provide me validation/verification of amt owed - none provided. Subsequently, I sent another request in the month of XXXX, which I got a response in XXXX that the dispute inquiry was complete, but with no resolution or evidence to support that I owe the amounts and furthermore, no removal of erroneous information 5. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$7100.00} Equifax closed my dispute with CFPB stating that they were able to verify debt. I'd like to know how that is possible and how they were able to verify/validate debt? I filed same dispute with XXXX and XXXX with success, which tells me that Equifax is not really verifying this debt and the information into the illegal fees.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The reason Im writing this letter is to dispute my most recent late payment. This is my Walmart account. Because my account was set on Autopay, I had no idea my account was past due. I was not informed that my Autopay would be cancelled. Because the bank XXXX XXXX cancelled my autopay I was never properly notified. Im very upset with this reported late on my credit report as this was late through no fault of my own. I was with CapitalOne many years ago and I had a negative experience. I said I would never bank with CapitalOne again. However, my Walmart account as switched from XXXX XXXX to CapitalOne. I assumed that my autopay would stay on and had no idea that my autopay would be cancelled. As a result my credit report is showing late Please Im asking CapitalOne to do the right thing and update my credit report to show a 100 % paid on time. 


Please update my credit report to show 100 % paid as this was not my fault and I find it completely unfair that because Walmart switched banks that I should be penalized. I understand that when switching companies on such a large institution that there may be oversights. But Ive worked very hard on my credit and for my first experience with CapitalOne to be a negative experience is frustrating.
Consumer complaint received 2022-12-21
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 asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX XXXX. 

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 an account without my written instructions
Consumer complaint received 2019-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XXXX I attempted to make a {$1000.00} cash deposit into a Citi Bank ATM. The machine malfunctioned when i inserted the cash returning an error message stating it was unable to process my deposit or return my cash. The branch manager was only willing to share her machines report with the investigation team. I was told the investigation would take up to 45 days.This is a simple fix as the branch 's manager ( XXXX, XXXX XXXX XXXX   XXXX XXXX, Ca ) confirmed their machines cash count was over. I need my account credited ASAP!!!
Consumer complaint received 2021-03-04
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)

I remember losing my wallet a few years back. I recently was looking to get a house with my husband. The lender told me that I had some accounts on my credit profile that needed attention. They listed a few of them and I do not recognize them at all. On XX/XX/XXXX, I pull my credit to see what they were talking about and come to find that those accounts were not authorized by myself. I contacted the credit bureaus to inform them of the incident and they told me to reach out to the FTC and get a report drafted from them. I have attached the FTC report along with my Driver 's License.
Consumer complaint received 2022-06-28
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. (CA)

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

account name : XXXX account number : XXXX account name : XXXX XXXX  account number : XXXX account name : XXXX XXXX XXXX account numberXXXX account name : XXXX  account number : XXXX account name : XXXX  account number : XXXX account name : XXXX account number : XXXX account name : XXXX account number : XXXX account name : XXXXXXXX XXXX XXXX  account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX  account number : XXXX 15 u.s code 1681 section 602.a. states i have the right to privacy 15 u.s code 1681 section 604 section 2. also states a consumer reporting agency can not furnish a account without my written instructions ( in which i have given no instructions to do so ) 15 u.s code 1681 c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 
15 u.s code 1681 s-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 ( which i have printed my credit report and found many inaccurate items, which violates my rights over and over throughout the report. ) i sent out an investigation letter to all 3 credit bureaus XX/XX/2022 as of XX/XX/2022 i have not received results from experian nor did none of the bureau send me a letter within 5 days stating they started the investigation i also specifically asked withing the letter to be notified of whom access to my credit report which has failed to be provided
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I've been driving  XXXX  and XXXX since XXXX. I received an XXXX loan from the XXXX on XX/XX/XXXX. When I went to the bank on XX/XX/XXXX, to withdraw a certified check for {$12000.00} to buy a car to work, they froze my account, citing that there has been fraudulent activities on my account and that it needs to be reviewed. They asked me to send my XXXX and XXXX tax return. I immediately sent it in. That same evening they emailed asking for my XXXX tax return and a bank statement showing proof that I either paid money to the irs or that I received a refund. I again immediately sent in the tax return and the bank statement. I have been calling them every day because I need access to the loan that I must repay with interest. I can't get the car I was getting and it's affecting my livelihood. Each time I call, I'm told that an investigator will review the documents and if they need anything more from me, they will let me know. However, they have no way of getting in touch with the investigator and there's nothing else they can do to clear my funds. It's been over a week and no one has reviewed the XXXX  simple documents I sent.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have disputed an erroneous dismissed bankruptcy that is reporting on my Experian report. I have attached a screenshot of a credit monitoring site, XXXX that shows that the bankruptcy is not reporting with XXXX and XXXX because this account is NOT MINE. 

Chapter XXXX Bankruptcy Dismissed Date Filed XX/XX/2016 XXXX
Consumer complaint received 2022-06-28
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. (CA)

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

account name : XXXX  account number : XXXX account name : XXXX XXXX  account number : XXXX account name : XXXX XXXX XXXX  account number:XXXX account name : XXXX  account number : XXXX account name : XXXX account number : XXXX account name : XXXX  account number : XXXX account name : XXXX  account number : XXXX account name : XXXX XXXX  XXXX  account number : XXXX account name : XXXX XXXX XXXX  account number : XXXX account name : XXXX account number : XXXX 15 u.s code 1681 section 602.a. states i have the right to privacy 15 u.s code 1681 section 604 section 2. also states a consumer reporting agency can not furnish a account without my written instructions ( in which i have given no instructions to do so ) 15 u.s code 1681 c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s code 1681 s-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 ( which i have printed my credit report and found many inaccurate items, which violates my rights over and over throughout the report. ) i sent out an investigation letter to all 3 credit bureaus XX/XX/2022 as of XX/XX/2022 i have not received results from experian nor did none of the bureau send me a letter within 5 days stating they started the investigation i also specifically asked withing the letter to be notified of whom access to my credit report which has failed to be provided
Consumer complaint received 2022-06-28
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: CREDIT ACCEPTANCE CORPORATION (MI)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-06-28
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (FL)

XXXX XXXX XXXX  located at XXXXXXXX XXXX XXXX  at XXXX XXXX XXXX sent me to collections with XXXX XXXX XXXX  for {$17000.00} without explanation. We moved out XX/XX/2021. We did not break lease and cleaned apartment before leaving. They have no list, or letter on why they charged this. Called company and they give no reason. This amount is more than a years worth of rent at this property which was income based and HUD. Ruined my credit with no explanation. XXXX XXXX was also the main person listed on lease. Again, company gives no letter, warning or explanation.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX account has violated my rights. 

15 U.S.C. 1681 section 602 A : States I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-01
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. (AZ)

In Accordance with the Fair Credit Reporting Act, The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX Account # XXXX, Has violated my rights. 

XXXX XXXX XXXX XXXX. Account # XXXX Has violated my rights XXXX XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX Account # XXXX Has violated my rights. 

XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX recoveries. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX Account # XXXX Has violated my rights. 

XXXX XXXX. Account # XXXX Has Violated my rights. 

XXXX XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX. Account # XXXX Has violated my rights. 

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 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.