davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED BANKSHARES, INC. (VA)

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Re : Complaining about United Bank and its associate Dear Consumer Financial Protection Bureau : I am writing to complain about fraudulent service of United Bank. 

I have three accounts at United Bank. During covid-19 pandemic period, the bank blocked my debit card and online account access. Additionally, the bank sent at least three duplicates, exactly the same statement with same account number, every month and then charged me so-called undelivered documentation fee every month. Furthermore, the bank charged me dormant account fee since late XXXX after I complained to them in person regarding the absurd charges on my account. 

Recently in late XX/XX/XXXX, I visited Unite Banks XXXX VA branch and spoke with its assistant manager XXXX XXXX. The bank associate was very rude and unwilling to help. She asserted that the bank was unable to remove dormant account fee. As to the dozens of undelivered documentation fee charged, she stated that the bank would only refund three months fee. She did not acknowledge or apologize for the banks wrongdoings which caused customers a lot of troubles. 

What United Bank has done is abosolutely wrong and may implicate fraudulent business practice. The United Bank of course has no right to charge dormant fee and undelivered documentation fee every month especially when they intentionally blocked customers account access and when a customer complained in person about their service.

I sincerely hope the Bureau investigate this outrageous deceptive behavior. I believe numerous persons had been damaged and cheated by United Bank because of their fraudulent business practice. 

If you have any questions concerning this letter, please contact me at XXXX XXXX XXXX, XXXX XXXX, Virginia XXXX. I can also be reached at XXXX Very truthfully, ________________ XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-07-11
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)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that these information is 100 % true, accurate and correct. 
My credit report is showing late payments XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION.

I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I need your help to address the incorrect account appearing on my credit report. This has been detrimental to my reputation, and I need your intervention. The mishandling of my credit report has left me in a difficult situation, and your inaccurate reporting has caused significant harm. You must remove these errors so I can live a normal life with my family.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please know the information on my credit report is not correct. I've listed personal information as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard by the institutions responsible for reporting accurate, complete, and permissible information I am seeking help from a higher source. Please remove it urgently.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-09-25
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. (IL)

1. in accordance with the Fair Credit Reporting act XXXX Account number XXXX XXXX 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.

2. in accordance with the Fair Credit Reporting act XXXX Account number XXXX XXXX XXXX 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. 


3. in accordance with the Fair Credit Reporting act XXXX Account number XXXX XXXX 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. 


4. in accordance with the Fair Credit Reporting act XXXX Account number XXXX 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.

5. in accordance with the Fair Credit Reporting act XXXX Account number XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (CA)

XX/XX/XXXX - I changed my phone number within my Discover Bank Account online. I received the confirmation email and when I attempted to access my account again it stated that it was locked and to contact customer service. 

I spoke with someone at Discover who informed me that I needed to accept a phone call verification and relay the code to Discover. I successfully obtained the verification code which the Discover employee confirmed was correct. The employee then proceeded to inform me that I needed to submit a photo of my government issued ID or passport along with a photo of my face. 

I told the employee I was not comfortable doing so to which they explained there is no other way. They decided to discontinue helping me and would not assist further in rectifying this situation. I asked to speak with a supervisor which was not granted and I was disconnected, presumably due to my XXXX when I was attempting to rectify this instance. 

I called back and was transferred to the security department to which I asked to speak to another supervisor. I was again denied and told someone would call me back on XX/XX/XXXX to which I have yet to receive a call. 

I am not comfortable allowing companies and their third parties access to images that can be sold and used for fraud. Discover has continual data breaches and does not protect it's consumers or their privacy.
Consumer complaint received 2023-07-25
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. (CA)

The account recently appeared on my credit report. 
XXXX ) XXXX XXXX XXXX XXXX. 
XXXX # XXXX This account does not belong to me and is fraudulent.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (TN)

N accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-11
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. (OH)

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 2023-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (TX)

Dear Sir/Madam, I am writing to dispute and lodge a formal complaint regarding an account that has been reported on my credit report. The account in question does not belong to me, and I have been diligently trying to resolve this matter to rectify any inaccuracies on my credit report. 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : [ Account Number ] Balance : {$0.00} Highest Balance : {$330.00} Opened : XXXX. XXXX, XXXX ( XXXX yrs ) Account Status : Closed Type : Paid Responsibility : Individual Account Remarks : Consumer disputes after resolution Original Creditor Name : XXXX XXXX XXXX Closed : XX/XX/XXXX Creditor Information : Berlin-Wheeler-KS, XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX I have made attempts to resolve this issue by making a payment, hoping that it would rectify the situation and remove the account from my credit report. However, despite my efforts, the account remains on my credit report, causing significant distress and potential harm to my creditworthiness.

I kindly request your immediate attention and investigation into this matter. Attached to this letter are supporting documents, including proof of payment made and any other relevant documentation, which clearly demonstrate that I am not responsible for this account. I urge you to review the evidence thoroughly and take appropriate actions to rectify this error promptly. 

I understand that the Fair Credit Reporting Act grants you 30 days to investigate and resolve disputes. I kindly request that you provide me with written confirmation of the steps taken to investigate my dispute, as well as the resolution of the matter. Additionally, I request that you provide me with an updated copy of my credit report once the investigation is completed. 

Failure to address this dispute adequately and in a timely manner may result in further legal action, as I am prepared to protect my rights under the Fair Credit Reporting Act. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please feel free to contact me at the phone number or email address provided below should you require any further information or clarification. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2021-03-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (GA)

XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX : Intent to file lawsuit, No validation of debt.

Validation Letter sent to : Credit Acceptance Corporation Account # To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, { Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-09-25
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: Spring Oaks Capital, LLC (TX)

Spring Oaks Capital is illegally furnishing an account to my credit report. Please see the attached letter from the original creditor listing the correct balance and collection agency of the account. Springs Oaks is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. Delete the account SPRINGOAKCAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report immediately.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion, Please see below and attached - there's incorrect personal information on my credit report that needs to be fixed immediately - as its damaging my ability to be verified for credit. 

Attached are : - written and signed complaint - drivers license, social security card, address Please have this fixed immediately.
Consumer complaint received 2023-07-10
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: TRUIST FINANCIAL CORPORATION (TX)

REGIONAL ACCEPTANCE CO XXXX you charge Off this account on my credit and I have never received a 1099 form with the account report in as a charge off to the IRS it should not be still reported on my credit report.. you have to send that out to me in you failed to do so in your report this charge off every month on my credit report as a charge off its been charged off my account almost a year ago and its still reporting every month as a charge off
Consumer complaint received 2023-07-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (TX)

I opened a new Total Checking and Savings account with Chase Bank on XX/XX/. I received an advertisement in the mail offering a {$600.00} bonus if I opened both accounts. I received both bonuses and decided to close these accounts due to the low interest rates on them after shopping around. There was no way for me to close them online, so I called Chase 's customer service on XX/XX/. The employee I spoke with on the phone told me that they could close my account, but I would owe them the {$600.00} bonus funds since I hadn't had my account open for XXXX months. I asked them where in the fine print it said that I had to keep the account open for that period of time, and they said I had agreed to it by opening the account. I continued to ask for evidence of this policy and asked for documentation, and they continually repeated that they could not provide any. I escalated the issue up through two managers, and still no one could provide me with any hard evidence. I was told that I would have to go to a physical bank to get a copy of the fine print I signed. I was told there is no way for them to send it to me electronically. I found a Chase webpage that outlines a similar deal ( https : //account.chase.com/consumer/banking/seo ) and, as in my case, nowhere does this page or the links included on it mention anywhere that the account must remain open for 6 months to retain the bonus. All their webpage states is : " To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. '' The last manager I spoke with - XXXX, an account manager with Chase in Customer Service - advised me to submit a case for this issue and stated that this is the " first time this issue has happened. '' Yeah right. She said this would be a matter for their marketing department ; she placed me on a long hold and then returned saying she had requested information from them and that they would return to me in 3-5 days. I asked them why they were unable to connect me right away, and I was told their department doesn't take calls. XXXX stated the marketing department could provide me the terms and conditions for accounts, including the requirement that I keep my accounts open for 6 months to avoid the retraction of the bonus. I asked her to escalate the issue so that I would not be waiting days for a response, and she requested an " urgent request ' and said I should receive a call back XXXX hours later. I never received any call backs or responses at all from Chase. Your move Chase Bank, where are the receipts?
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I paid the balance in full on XX/XX/XXXX through the bank app. Did not use the card all of XXXX but received a bill on XX/XX/XXXX charging me interest. I called the bank and was told that this was back interest due to when they close the billing period. 

My complaint is there is no way to access the true balance due, even through the bank 's own application. This is deceptive and designed to keep charging interest even when the balance is paid in full.