davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (CO)

I am trying to close account XXXX. However, I live in Colorado and they are requiring me to visit a branch to close the account. I find it unreasonable to go to the nearest branch which is no where close to where i live to close my account. I tried calling their customer service and they told me to go to a branch. If huntington pays for my transportation and lodging I will visit a branch to close my account. Other than that I want them to close my saving account.
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (MD)

I am having trouble signing in to XXXX saying one of my security questions was answered incorrectly. XXXX advised me to contact Experian by phone to have them reset my account, as I know I answered the questions accurately. Low and behold, there is no way to speak to a live agent there and their IVR is the worst I have ever experienced. I want them to contact me since the credit score is through them.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am writing to file a complaint with the Consumer Financial Protection Bureau regarding my denied fraud case with Bank of America. As a private living man, on XX/XX/2023, I was at a family gathering at a nearby eatery and my phone was stolen while I was under the influence of alcohol. I later discovered that {$5000.00} was sent out from my Bank of America account without my authorization. 

I immediately reported the fraudulent charges to Bank of America and was initially told that I would receive a temporary credit while they investigated the matter. However, over 9 days later, I was informed that my fraud case was denied. 

I am extremely disappointed with the way my case was handled by Bank of America and their failure to provide me with a satisfactory resolution. The fraudulent charges have caused me significant financial loss and stress. As a private living man, I believe that the denial of my fraud case was unjustified and I am seeking your assistance in resolving this matter. 

I request that the Consumer Financial Protection Bureau investigate my case and take appropriate action against Bank of America for their failure to uphold their obligations and responsibilities to their customers. I also request that you provide me with information on the steps I can take to ensure a fair and just resolution to my case.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-06-02
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (FL)

Experian is reporting me 3 inquiries that I did not do. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-02
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. (PA)

I sent off my letter requesting an investigation on XX/XX/2023 via certified mail. 

According to the FCRA the term Investigate consumer report means a consumer report or a portion thereof and which information on a consumers character, general reputation, personal characteristics, or mood of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

These accounts state different dates and amounts being reported and is not 100 % accurate. They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law? Also every piece of information on these accounts are still not reporting 100 % accurate as stated. According to the FRCA 15 USC 1681 everything has to be 100 % accurate or it must be deleted by law. Below are a list of inaccurate accounts containing inaccurate information. I am requesting these to be removed permanently from my credit reports ASAP.

1. XXXX XXXX ( original creditor ) / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX **Same debt also reported on behalf of XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Pa XXXX XXXX XXXX Acct # XXXX ( last 4 ) * Multiple inaccuracies reported on this collection file. 

XXXX. XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Ny XXXX XXXX. XXXX XXXX Bank Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX
Consumer complaint received 2017-07-31
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. (CA)

In correspondence dated XXXX XXXX, 2017. I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I checked XXXX around XXXX XXXX as I prefer to stay on top of my reports. And then again on XXXX XXXX to find that I have over XXXX hard inquiries. I was not notified or did I give my authorization for over XXXX of them. I only authorized XXXX. My signature is no where on these authorizations. I called and spoke to numerous representatives who just assume to hang up on you or tell you repeatedly that they can not help with hard inquires and they also tell them me that no one was affecting by their glitch. Even with proof in hand they absolutely refuse to connect you with a supervisor or anyone in an American offices to handlebars matter per your request after XXXX + calls I gave up. None of the reviewers remotely helpful or even knowledgeable some knew and would say more or less sucks to be you and some XXXX even quiet belligerent and knew if the issue but told you too bad
Consumer complaint received 2023-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (NJ)

They dont explain what the debt is from. I cancelled my membership immediately following the pandemic after the gym lied that they were unable to furnish me with account membership information and l cancelled my membership exactly as required. And many months later I begin receiving these messages with zero explanation of the alleged debt or option to dispute the alleged debt : Aldous & Associates logo Attorneys At Law Date : XX/XX/2023 YOUR ACCOUNT NUMBER : XXXX Agreement with : XXXX XXXX Current Balance : {$260.00} Hi XXXX XXXX : This is another past due reminder. Non-receipt of payment could potentially result in reporting on credit. We have not received a payment for your account XXXX with XXXX XXXX. {$260.00} is still outstanding. Please make payment via ACH or credit card at our portal. To make a payment, click on the given link. 

Pay Now Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 

Sincerely, Aldous & Associates, P.L.L.C. 

THIS IS AN ATTEMPT TO COLLECT A DEBT : ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. 

At this time, no attorney with this firm as personally reviewed the particular circumstances of your account. 

Go to cfpb.gov/debt-collection to learn more about your rights under federal law. 

VISIT WWW.ALDOUSLEGAL.COM OR CALL XXXX FOR MORE INFORMATION. XXXX XXXX XXXX. 

Office Hours : Mon Thu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you no longer want to receive these emails, click here to unsubscribe. 

Please do not reply to this email as this address is not monitored. 
CONFIDENTIALITY NOTICE : This electronic transmission ( and/or the documents accompanying it ) may contain confidential information belonging to the sender that is protected by the Electronic Communications Privacy Act, 18 U.S.C. Sections 2510 and 2521 and may be legally privileged. This message ( and any associated files ) is intended only for the use of the individual or entity to which it is addressed and may contain information that is confidential, subject to copyright or constitutes a trade secret. If you are not the intended recipient you are hereby notified that any dissemination, copying or distribution of this message, or files associated with this message, is strictly prohibited. If you have received this communication in error, please contact Aldous & Associates , PLLC immediately by telephone and destroy the original message. Messages sent to and from us may be monitored.
Consumer complaint received 2017-07-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Information Bureau, Inc. (FL)

I received a collection notice from Collection Information Bureau , Inc. from creditor by the name of XXXX XXXX , XXXX. I paid the amount they claimed I owed, exactly {$81.00} because I do not like to be send to the credit bureau, etc. When I called this morning to ask for the explanation of benefits or at least to know which number should I call to obtain the information and why was I charged for that amount ( I have XXXX and also a supplemental XXXX XXXX XXXX XXXX XXXX. ), the man who answered the phone was very nasty and did not want to give me any information. I asked him how was possible that the company does not have contact information for their client XXXX XXXX , XXXX he said they do not have that inf, The only inf he gave me was the one on the collection notice and that services were provided at XXXX XXXX. XXXX XXXX was not the party claiming I owe the money. I think if you are collecting a bill from another agency the consumer, in this case me, have the right to know why they are charging me that amount and the details. Please let me know what to do next.
Consumer complaint received 2023-06-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MN)

I fell behind on my payments for a home equity line of credit due to Covid 19. Wells Fargo allowed me to suspend payments and recently I was working with them to do a modification. I was initially informed that the payment would be reduced and the loan could be modified after making initial 3 months of trial payments. On the XXXX month I was sent a packet with documents detailing the new agreement and asked to sign off and send to them within 15 days. After reading into the detail it showed that my payment would be increased on the 2nd and 3rd year to an amount higher than initially told, When I spoke to the home preservation department I received conflicting info and no clarity to how this happened. I was told by a rep that I could think about it and that the time period wasn't exactly 15 days but I should just keep paying the monthly trial payment. I proceeded to make a total of 4 payments and when attempting to make my 5th payment I noticed the account was missing from the web portal. I then received a letter stating that the modification was cancelled. When I spoke to the bank they informed me that I was in foreclosure and I would have to re apply for assistance but first send a letter stating why. I'm now waiting for another application but was told that this could be done online and an email would be sent to upload any needed documents. After waiting a week I received no email and I'm still waiting for the application. I don't feel they have been trying to help with anything and I simply want to get this resolved before a foreclosure happens. I received a letter with the inten to foreclose and I'm very unhappy with the deceptive tactics being used by them. Please help!!
Consumer complaint received 2023-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX You are in Direct Violation of The Fair Credit Reporting Act ( capital one XXXX ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

16 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.

15 U.S.C 1666B : A cradllor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purposo.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-06-05
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XX/XX/2022 CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MI)

this is an escalation to my XXXX  complaint id XXXX filed on XX/XX/23. Citi has failed to fix any issues regarding my account. the XXXX  complaint is attached. 

my account is still locked and I'm unable to use it. 

the pending fraud charges they alerted me on no longer has any trace in my account history on my end. 

my entire chat history is still wiped from the beginning of time. 

no letter received with a code. not like it would do me any good anyways given its just communication issues regardless. 

other issues described in the XXXX  complaint. 

I'm sick of these games with them.
Consumer complaint received 2023-06-05
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX
Consumer complaint received 2023-06-05
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. (TX)

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.