davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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. (NC)

Experian is fraudulently reporting false information to my credit report XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NC is not an address I reported the manner and all they did is update the information to the same information Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My rights have been violated I have asked numerous times to have this address removed from my credit report They have claimed that this address has been verified by an account that I have also disputed And was charged off the written of on the collectors taxes in which they have been paid in full for the debt yet still illegal reporting to my credit report for payment Failure to delete this address from my credit will result in all parties willing fully and knowingly engaging in the theft of my identity and illegally wrongfully accessing and obtaining my personal information to continue to report such fraudulent activities and I will file a civil lawsuit
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

XX/XX/XXXX. {$15000.00} was transferred from our saving account to our checking account by unknown party. 
XX/XX/XXXX. A bill payee was setup to XXXX XXXX XXXX XXXX. {$14000.00} was paid to this account by unknown party. 
XX/XX/XXXX. I noticed this transaction and called Capital One. They froze my accounts and started a fraud investigation. On that call, Capital one claims the transaction originated from our home IP address. They would not share the specific information with us. 
We had our home internet checked for access and computers checked for viruses and nothing was found. Capital one said they would create new accounts because we were victims of an account take over. 
XX/XX/XXXX. A police report was filed with XXXX XXXX XXXX ( XXXX ) Report number XXXX. XXXX days later we call to check on the fraud investigation and were told there was no illegal access from their end. They didn't create new accounts and we could create them if we wanted to. They have not provided any documentation of the investigate to date. Capital one uses trusted computer access. There is no way for customers to always request multi-factor authorization on on-line accounts. This lack of security for on-line accounts puts our accounts at risk. When we login into our accounts and get authenticated, Capital one is trusting that device which leaves customers vulnerable to fraud.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

I have several checking accounts with truist Bank. For some time now. I make mobile deposits and I do multiple checks at a time for my business and when I do that the checks are deposited. They're in the next day and everything is good but in the last month seems like every other deposit is getting a hold placed on it. Now to my knowledge, no bank can put a hold on a check unless there's valid reason and with truest Bank it's {$5000.00} or greater, them suspecting that the check might not be valid for funding or my bank accounts too new. None of those apply to me. It's happening to checks that are like {$300.00}, {$400.00}. Nothing major. It even happened on {$160.00} check. These are given to me by homeowners that I provide services for at their house. I have received no valid explanation that can possibly match up with a reason that any of these checks would be put on hold. There are several times we're all deposit a large check and it gets approved and then a few minutes later I'll deposit a smaller check and it gets a hold place on it. They are also withholding the money for a longer amount of time that is necessary. For instance, I had to wait 10 days for a {$160.00} check to clear. Now I'm trying to run a business so me depositing money and timing affects different people other than myself. They continue to do this to me. It happened to me today. Something needs to be done about this. This is the first time I've had Banks do frequent holds on small amount checks and not give a valid reason why
Consumer complaint received 2024-09-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Case number : XXXX To whom it may concern, I am writing to file an official complaint against XXXX XXXX concerning unresolved fraudulent charges on my compromised credit card account. Despite my prompt reporting and their issuance of a new card, XXXX XXXX has failed to finalize the refund of the fraudulent charges ( in the amount of {$650.00} ) in accordance with the law. 
I just got notified of this a few minutes ago when their representative called me, asked me questions about the case which I previously clarified, and made me aware that the investigation is still pending ( After almost XXXX months ). 
XXXX XXXX violates the Fair Credit Billing Acts amendments to the Truth in Lending Act, XXXX U.S.C. XXXX, XXXX C.F.R. XXXX. See also XXXX C.F.R. XXXX ( b ). 
This delay has caused significant inconvenience and concern. I seek your assistance in resolving this matter and ensuring XXXX XXXX complies with its legal obligations. 

Thank you for your attention to this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-05-18
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: Exeter Finance, LLC. (GA)

Exeter Finance has ignored the fact that I am a victim of identity theft and in fact I have an attorney hired and XXXX turn this account that I did not open over to them to sue In arbitration, this account is fraudulent, I was ask to provide more information by this Exeter Finance I never done business with us to provide my social security card and other information I was informed by several investigators and two attorneys one I do hire for the identity theft issues and now I can turn this account over to this attorney, my information was used to open this account, now Im asking Exeter Finance dont give fees back I dont want to hear it but do want to let you know that as much yall have ignored my complaints and the ftc identity theft report is being documented and printed to show Juat how many times I have filed numerous complaints, heres the deal I dont live at the address yall keep sending information about some car account the person at that address was leaked and now its being used as an address to open accounts thats not my address i have never lived there and my information my license has been stolen and.used yes I had to change my information because of the identity theft and no is the question Im not sending any information through the mail I dont knowing you people and I was informed not to send anything I am a victim of identity theft and do me a favor just take this off my credit report it wont be worth my suing yall in arbitration, or court it doesnt matter to me, I got so much information to show that my social security number and drivers license number has been leaked on the XXXX XXXX  by XXXX XXXX just to let you know I won my case against XXXX XXXX I have a data breach proving my information was leaked and compromised by XXXX XXXX, either a choice here, whats it worth, I can send numerous of documents showing he identity theft from a incident with the XXXX where a scammer in another Country use my information to file and try to defraud the government out of thousands of dollars now I am a victim of identity by the us government, and I do have a police report filed by me against XXXX XXXX for identity fraud XXXX and I have ftc identity theft reports its the SAME Thing AS A POLICE REPORT and acts the same, so take my complaint and my issue seriously, I will seek arbitration and have this lawyer collect damages, now just delete the that account off my credit report and stop using my information as a result of intimidation, I will send some documents to inform and show but do not ask me for any documentation wont happen Im trying to get my life back from all the identity theft I have been through I have accounts open in my name, and Im getting fired of it now delete this account or will sue XXXX and Exeter Finance, I have all these complaints I will send notification to this lawyer about this matter thank you, now delete XXXX  or I will XXXX XXXXXXXX In arbitration.
Consumer complaint received 2024-10-22
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. (GA)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

XXXX refunded me {$720.00} on XX/XX/2023. CITI failed to properly post the refund. This is 100 % CITI 's fault in losing the transaction XXXX sent to them. I called CITI and asked them to find the missing refund, and they said I had to dispute it. I disputed it and send it the e-mail and all the information from XXXX saying a refund was sent to CITI on XX/XX/2023 for CITI to investigate. I was given a temporary credit while it was investigated. Today, XX/XX/2023, I see that CITI has found me responsible and is reversing the temporary credit. I am SHOCKED by the level of incompetence of Citi. First you lose the refund XXXX sent initially, and then reverse the temporary credit. I am just dumbfounded by CITI making 2 huge errors here. THERE IS NO REFUND EVER ON MY ENTIRE ACCOUNT FOR THE CORRECT AMOUNT XXXX SENT OF {$720.00}. Go search all the times XXXX  sent you money on XX/XX/2023, and find the {$720.00} that you must have posted to someone else 's account wrongly and fix this.
Consumer complaint received 2024-10-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (CO)

American express has violated the arbitration agreement enclosed in the original contract which has no wet signature in reference to consent to contract. Reporting negative information to any CRAs is in direct VIOLATION of FDCPA law as it pertains to cease and desist with direct or indirect communication of a consumer. Reporting to any CRAs without my consent and against a lawful cease and desist contests the integrity of the FDCPA law as per my last complaints. Within this arbitration agreement insurance for loss of credit is included. As this pertains to FDIC all accounts with FDIC member institutions are protected. An FDIC report has been furnished on account of this fraudulent activity American express has committed
Consumer complaint received 2023-05-18
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. (SC)

I received letter from XXXX stating they have started investigating my compliant and if the companies doesn't responded within a timely 30 days manner the I would need to call the companies and arrange for the incorrect information to be removed. I told them that I never had XXXX XXXX  Account, nor do I have any credit cards in my name or in my possession. Soon after I reported the information with XXXX and read their response. I then received on XXXX  a Notice of data breach. Seems to me everytime I try to dispute or challenge my credit report data. I get letters such as notice of data breach or my identity has been stolen. Is this a tactic on the part of the credit bureau. I also requested a copy of my credit report from all XXXX bureaus and I only received XXXX. I personally called all three bureaus to resolved these inquiries and to remove any information that was not accurate. Any they had the nerve to want me to pay them to remove my information off the dark web.
Consumer complaint received 2024-09-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY (IL)

I had a XXXX XXXX XXXX XXXX, I was in a car accident on XX/XX/XXXX. I was paying a XXXX dollar car note to Wells Fargo with XXXX insurance included. When my XXXX XXXX paid their portion of the vehicle Wells Fargo ( XXXX ) XXXX was supposed to pay the rest, and have yet to do so they stated that it takes 180 days to be processed and they were provided with all documentation from my insurance claim. I have tried several times to reach out to XXXX and no one has yet to respond. I hope and pray that this matter is resolved soon. Thank You.
Consumer complaint received 2024-01-05
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: Experian Information Solutions Inc. (PA)

I have recently taken steps to address inaccuracies on my credit report by instructing Experian, XXXX, and XXXX to reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite clear inaccuracies and errors in my credit reporting, all three credit reporting agencies have declared that everything is complete and accurate. This situation is in direct violation of the mandate set forth in 15 U.S.C. 1681i ( 5 ), which requires these agencies to remove or modify accounts that are not reporting correctly. 
Furthermore, I want to highlight the importance of 15 U.S.C. 1681s-2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate consumer information to any consumer reporting agency. It is evident that these agencies have failed to comply with this crucial provision. 
I possess compelling evidence to support my claims of credit reporting violations, and I am submitting this formal complaint to the Consumer Financial Protection Bureau. My goal is to seek a resolution that ensures the accurate reporting of my credit information, aligning with federal laws and guidelines and holding the credit reporting agencies accountable for their actions.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

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.

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.
Consumer complaint received 2024-01-04
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (AL)

Title Max did not disclose the full contact.his Contact contains Arbitration clauses. On XXXX XXXX, XXXX, the President signed a joint resolution passed by Congress disapproving the Agreements Rule under the Congressional Review Act ( CRA ). Pursuant to the joint resolution, the Arbitration Agreements Rule has no force or effect. On XXXX XXXX, XXXX Also, note that a violation in the truth in lending act has been bleached and a hand on cash transfer was not provided. The electronic fund act is also a violation with the cfpb.The United States House of Representative passed House Joint Resolution 111 disapproving the arbitration agreements rule under the Congressional Review Act ( 5 U.S.C. 801 et seq. ) on XX/XX/XXXX. The United States Senate passed the joint resolution on XX/XX/XXXX. President Donald J. Trump signed the joint resolution into law as Public Law 11574 on XX/XX/XXXX. Under the joint resolution and by operation of the Congressional Review Act, the arbitration agreements rule has no force or effect. Accordingly, the Bureau is hereby removing the final rule titled Arbitration Agreements from the CFR. No hand on cash has not been provided. Phone call was made to me for collection on XX/XX/XXXX. Due to Title max other lawsuits since 2016. My case is no different.
Consumer complaint received 2023-05-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (LA)

A {$5000.00} alleged loan issued by ONEMAIN FINANCIAL with the title of an automobile being used for what was believed to be collateral showed a balance of {$10000.00} and some cents at one point. Three different Insurances were also included and when a claim due to unemployment was denied is when the other two were brought to notice. The unemployment insurance was explained to be included in case of such misfortune which is what happened but the insurance denied because XXXX contractors aren't covered which was not disclosed which is deceptive. Also not to mention the other two unknown insurances. Once they were canceled. The balance then showed {$7700.00} with a past due payment of {$210.00}. I do agree that one should pay back what they owe if the agreement was fully disclosed, there was equal consideration, the terms and conditions were lawful, and The contract/agreement has a wet ink signature from both parties. I do agree to pay any financial obligation which I might lawfully owe on the condition of the below requested resolution. Without Prejudice.
Consumer complaint received 2023-05-18
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. (NC)

When I investigated my credit report, I realized that the same account was erroneous. The XXXX credit Bureaus are required to revalidate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$500.00}
Consumer complaint received 2023-05-18
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. (IL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( 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. 

I can go on about how they keep undermining the law. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this