davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Good evening, I have been a customer of Huntington BankXXXX XXXX , OH branch. 

I have been the victim of identity theft since 2018... was on the hook for some very expensive things, such as a home. I have been a client of the bank for a few years. 

I have had several fraudulent transactions on my account. Through the course of conversation ; I mentioned my past with identity theft, which I always do. The woman I spoke with made a note of I which I thought would be beneficial. The supervisor also stated it would help in the future... it clearly did not, in fact it had the compete opposite effect. 

I went in to the XXXX OH branch. Spoke with a bank rep ; asking if the checks would have any reason to require a hold. I was told absolutely not, in fact I drew on a few XXXX dollars. There was something that alerted the teller to something about my financial status ; which she attempted to forward me to a personal banker, which I refused. Furthermore I advised her of the poor and unprofessional treatment I received at my local branch as my reason. 

Which brings me to my point. Huntington Bank decided to put a hold on my $ XXXX deposit and REFUSED to provide me with the funds to close account. In fact the branch manager took it as far as to say she believes that my company check ; which I have deposited since the inception of my account; was FRAUDULET!! Therefore insinuating an upstanding citizen of society is somehow a thief.

Not only have I been refused access my hard earned/well deserved money during this difficult holiday season, I was accused of being a check forger and thief... banks that are divisive and accusatory have no right to be a part of the FDIC.

I did not choose to be a victim of identity theft. I should not be denied to get my monies
from Huntington either. 

Please Help!!! 

Thank you for your time and consideration. 

Happiest of holidays, XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION (MD)

XXXX XXXX, Director, Consumer Financial Protection Bureau Attn : XXXX XXXX, Complaint Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I, the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. Effective immediately ; indefinitely. 

According to my credit reports, there are third party reporting agencies reporting my private information to all three credit bureaus, which is a violation of my Privacy Right, ( Privacy Act of 1974 ) Also, there are charge offs listed on my credit reports. A charge off is considered a Certificate of Indebtedness, which means it is income and has to be removed. Income can not be reported to my credit report. The law says it's illegal to report transaction history.

All bank accounts are insured per 15 USC 1681, I have not received any interest or payment. I gave them a security 16 CFR 444.1. 

There are Inquiries ( Promotional Inquiries ) 15 USC 1681 Permissible Purposes, {$1000.00} fine each occurrence. ( sent to the address listed above ) Lastly, I've been suffering tremendously because of these issues listed above. Ive been humiliated from being denied cars and homes, credit etc. Brokers/banks/lenders not accepting my applications. Telling me I need a XXXX deposit. I've been homeless because of this. For pain and suffering, humiliation, emotional damage etc. A {$20000.00} XXXX XXXX Dollars payment can be sent to the address above. Also, all negative reports should reflect good standing. 

Federal Laws mentioned 16 CFR 444.1 15 USC 1692 15 USC 1681 15 USC 6801 15 USC 6805 15 USC 6802 15 USC 6805 Thank you,
Consumer complaint received 2024-01-05
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

" I am writing to bring to your attention an issue with an Amex Gift Card that I received from my place of employment. The card, which is worth {$100.00} and is digital, appears to be unusable. Despite several attempts, the card is being rejected by multiple companies, and each time I try to use it, fees in the form of cents are deducted, but the purchase is not processed. I have contacted American Express customer service for assistance, but the individual I spoke with was unable to provide a satisfactory resolution to the issue. I am currently awaiting transfer to another associate for further assistance. However, the customer care appears to be outsourced, and as such, I am having difficulty obtaining a resolution to the issue. I respectfully request a refund for the value of the gift card. ''
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (CA)

I have identified information on my report that are a result of identity theft. The reporting of these information are not related to any transactions by me and is a result of identity theft. PLEASE DELETE following items ACCOUNT NAME : XXXX XXXX XXXX XXXX Routing # XXXX Account # XXXX, Identity Theft ACCOUNT NAME : XXXX XXXX Account # XXXX Routing # XXXX, INQUIRIES PLEASE DELETE ... .XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-12-15
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

XX/XX/2023 XXXX XXXX  Director, Consumer Financial Protection Bureau Attn : XXXX XXXX Complaint Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I, the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. Effective immediately ; indefinitely. 

According to my credit reports, there are third party reporting agencies reporting my private information to all three credit bureaus, which is a violation of my Privacy Right, ( Privacy Act of 1974 ) Also, there are charge offs listed on my credit reports. A charge off is considered a Certificate of Indebtedness, which means it is income and has to be removed. Income can not be reported to my credit report. The law says it's illegal to report transaction history. 

All bank accounts are insured per 15 USC 1681, I have not received any interest or payment. I gave them a security 16 CFR 444.1. 

There are Inquiries ( Promotional Inquiries ) 15 USC 1681 Permissible Purposes, {$1000.00} fine each occurrence. ( sent to the address listed above ) Lastly, I've been suffering tremendously because of these issues listed above. Ive been humiliated from being denied cars and homes, credit etc. Brokers/banks/lenders not accepting my applications. Telling me I need a XXXX deposit. I've been homeless because of this. For pain and suffering, humiliation, emotional damage etc. A {$20000.00} XXXX XXXX Dollars payment can be sent to the address above. Also, all negative reports should reflect good standing. 

Federal Laws mentioned 16 CFR 444.1 15 USC 1692 15 USC 1681 15 USC 6801 15 USC 6805 15 USC 6802 15 USC 6805 Thank you,
Consumer complaint received 2024-10-24
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. (MO)

Ive identified inaccuracies on my credit report under 15 USC 16c-2. The listed inquiries weren't authorized and are lowering my score. Please remove them. Thank you.
Consumer complaint received 2023-12-13
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. (CT)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have suffered harm due to TransUnion 's failure to accurately report information about me,, as a consumer. I firmly assert my right to seek redress in the amount of {$1500.00}. Despite having submitted dispute letters three to four times to rectify the inaccuracies in my personal information, TransUnion has yet to comply. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to monetary relief, and I expect prompt resolution of this matter ... ... ... ... ... ... ... ... ... ... ... ... .Thursday, XX/XX/2023 TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Personal Information Update Request To Whom It May Concern : I am writing for the second time to update my personal information as per my rights under 15 USC 1681 ( a ) ( 4 ). It is imperative that consumer reporting agencies exercise their responsibilities fairly, impartially, and with a strong regard for consumers ' privacy rights. 



I hereby request the removal of all personal identifiable information from my consumer credit report, excluding the following : I respectfully request the elimination of outdated addresses, as I am unable to receive mail or correspondences at these locations. Please replace them with the address mentioned above. 



My sole phone number is Kindly eliminate any other phone numbers associated with my report. 



For privacy reasons, I demand the removal of my social security number and date of birth from display on the credit file. Additionally, I request the deletion of all information within the employer section. 



In accordance with the FAIR CREDIT REPORTING ACT, 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer with an inherent right to privacy. Failing to honor my rights would be a direct violation of 15 USC 1681 and its subsections. 



Upon completion of the requested changes, please provide an updated credit report to the contact information indicated below :
Consumer complaint received 2023-12-13
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: Total Card, Inc. (GA)

I have been disputing multiple accounts that were a result of identity Theft and unauthorized charges and accounts opened without my knowledge. I provided proof of my incarceration at the time these accounts were opened. They seem to overlook this documentation of proof and continue to keep these fraudulent accounts on my credit report. Which is causing my credit report score to remain in the " poor " status, ultimately this is affecting my life and moving forward, due to the fact I can't get any credit! I have ask these companies multiple times to please remove! The account and any negative actions that are associated with these accounts. THE ILLEGAL SECTION OF THIS ENTIRE COMPLAINT IS THAT 3 OF THESE ACCOUNTS HAVE DUPLICATES OF THERE ACCOUNTS MAKING IT APPEAR THAT THERE ARE MORE NEGATIVE ACCOUNTS THATLN THERE ACTUALLY IS ON MY CREDIT REPORT. THIS CANT BE LEGAL! So I am fighting for my rights against fraud from consumers commiting fraud reporting the same account twice by adding XXXX or XXXX dollars to the balance. Or either the original fraudulent account is listed and also who they have sold the account to such as National credit adjusters, they both are reporting negative activity! All of which DO NIT BELONG TO ME These companies of subject matter are the following, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ( Total Card ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (GA)

The company responded to a previous complaint but has not answered direct questions regarding the intial loan. They are deliberately stating things without giving clarity of what has taken place in the account. They stated that the loan has been refinanced XXXX  times. This is not something the consumer chose to do but what is required by the company when you pay the renewal balance in full. They also have tampered with the date of renewal. When XXXX and XXXX got paid. They left it at XXXX still needing to be renewed instead of it being XXXX. They have this system that employees have stated called a rollback that allows you to roll your payment back for XXXX  days. The data breach was never revealed to me at all but information was gained through news articles. 

Over XXXX has been paid to this company with them having not a care in the world about outstanding fees and damage they cause to families. Ive paid for this vehicle XXXX over. Including the repossession that was done in XXXX of XXXX ( the same time they claimed I refinanced ). I paid over {$800.00} to get my vehicle back from repossession. They made me refinance the loan just to pay my balance. Each time they make you sign the paperwork they are making you refinance. You have no choice but to sign it if you want to keep your vehicle. They are using unprecedented ways to keep people in debt and begging them. This is unfair to charge fees for this loan and never discuss that none of it ever goes toward the loan. People can barely take care of their families through these types of circumstances. They never reached out before sending in their decision either.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (PA)

Per the Fair Credit Reporting Act ( 15 USC 1681 ), I am a federally protected consumer. It is illegal to report any and all non public personal information ( 16 CFR 313.3 ( n ) ( 1 ) ), including any financial transactions with the consumer or any service performed for the consumer per 15 USC 6802 ( d ). A Charge Off is considered a certificate of indebtedness, therefore it is income ( more illegally reported financial transactional information ). There are currently 16 inaccurate transactional entries on each credit report with XXXX, XXXX, and XXXX. These highlighted entries must be updated to paid as agreed per 15 USC 1681c ( 4 ). It is my right per 16 CFR 433.2 to assert myself as the consumer at any time. Furthermore, I hereby rescind any authorization I may have given you through written, unwritten, verbal, and nonverbal per 16 CFR 313.7 ( e ) ( f ), to report any financial information to my consumer report.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Dave Operating, LLC (KY)

My name is XXXX XXXX I here writing a complaint against Dave bank, first of all I had an account with Dave bank before they made bad decision to closed my account and at that time I claimed a dispute transaction from my account which I didn't use or authorized but Dave bank team members plain on me as an account holder at that time and the transaction money being taken by XXXX and I never had an account or relationship with XXXX but unfortunately the bank that I had an account that time Dave bank plain on me that I have used or authorized the money and I didn't authorize it even I never had any relationships with XXXX that am filling this complaint against Dave bank because they never gave me back my money please am requesting a help from consumer finance to consider my case thanks
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IN)

Requesting certification of former employer since XX/XX/23 ( XXXX XXXX ). The certification has yet to be completed and there is no resolution date in sight. If this employer is certified, I would qualify for loan forgiveness immediately. 

I've sent the requested supporting documentation ( IRS Form 990s, Articles of Organization ) and have followed up several times : XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23.
Consumer complaint received 2024-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TX)

Caine Weiner debt was removed then readded and I didn't receive any notification. Nor did I receive any validated information. All 3 bureaus don't match. It was removed from one bureau and never readied. The other 2 it was readded.
Consumer complaint received 2023-12-14
Product: Credit reporting 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)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below 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 first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2024-01-06
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NC)

I have the XXXX secured credit card they offer payment through XXXX with the card. upon trying this XXXX NEVER attempted to run it as a payment and solely ran it as a full transaction amount. despite me choosing this option of payment. When I asked XXXX they said the bank decline the payment option and then they went to apply full amount after rejecting offer. Call the bank the only decline they see is for the full amount of the charge. both point figures at the other. Went back and tried to purchase this same item took screenshots of me selecting the plan. then the recipet that came and the immediate order recipet online doesn't show payment plan and nothing on credit card side for pending transactions