davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

What happened : I opened a XXXX  online account at Capital One 360 on XX/XX/XXXX, where I transferred a {$250.00} deposit from my personal account. The next day I called several times to find out what had happened, because there had been no debit from my account. Everyone from customer service to the manager at Capital One informed me that there had been no deposit made, but I only received a confirmation code ( XXXX ) and since they informed me that there had been no deposit, I closed the account on XX/XX/XXXX. However, on XX/XX/XXXX, an undue debit of XXXX installments of {$250.00} ( {$1500.00} ) appeared on my personal account ( Checking ). I request that the amount be returned as soon as possible. 
an undue debit that they made to my XXXX XXXX account
Consumer complaint received 2024-08-28
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Third Party Credit Bureaus XXXX, Equifax XXXX XXXX XXXX : Dispute Regarding Unauthorized Disclosure of Nonpublic Personal Information under 15 U.S.C. 6802 I am writing to formally dispute the unauthorized disclosure of my nonpublic personal information by XXXX XXXX Acct Number XXXX, XXXX,. Under the provisions of 15 U.S.C. 6802, I am entitled to privacy protection regarding my personal financial information, and it has come to my attention that this right has been violated. There are three accounts from XXXX XXXX on my credit report with balance of XXXX, XXXX. 
On, XX/XX/year> became aware that my personal financial information was disclosed to XXXX, Equifax and XXXX Credit Bureau without my consent and without providing me the opportunity to opt out, as required by federal law. This disclosure was done in violation of 15 U.S.C. 6802, which mandates that financial institutions provide a clear and conspicuous notice of their privacy policies and obtain explicit consent or provide an opportunity to opt out before sharing such information with nonaffiliated third parties. Notification of Negative Information ( 15 U.S.C. 1681c-1 ) : Financial institutions are required to notify consumers within 30 days if they furnish negative information to a consumer reporting agency. No notification was given 30 days prior negative report was made. This account has been report Charged off multiple months. When a Charge off is only done once not every month.

I demand that you take the following actions immediately : 1. Cease and desist any further unauthorized disclosure of my nonpublic personal information.

2. Provide a detailed explanation of how my personal information was shared, including the specific information that was disclosed, the identity of the parties who received it, and the purpose for which it was disclosed.
3. Rectify any adverse effects caused by this unauthorized disclosure, including but not limited to, contacting the third parties involved and ensuring the removal of my information from their records.

4. Provide written confirmation of the steps you have taken to address this issue and ensure that such an unauthorized disclosure does not happen again in the future.

Please treat this matter with the utmost urgency. If I do not receive a satisfactory response within [ reasonable timeframe, such as 30 days ], I will have no choice but to escalate this issue to the appropriate regulatory authorities and consider taking further legal action to protect my rights. 
I trust that you will address this matter promptly and seriously. I look forward to your timely response. 
Sincerely,
Consumer complaint received 2024-08-28
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. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Third Party Credit Bureaus XXXX, XXXX XXXX Transunion Subject : Dispute Regarding Unauthorized Disclosure of Nonpublic Personal Information under 15 U.S.C. 6802 I am writing to formally dispute the unauthorized disclosure of my nonpublic personal information by XXXX XXXX Acct Number XXXX, XXXX,. Under the provisions of 15 U.S.C. 6802, I am entitled to privacy protection regarding my personal financial information, and it has come to my attention that this right has been violated. There are three accounts from XXXX XXXX on my credit report with balance of XXXX, XXXX. 
On, XX/XX/year> became aware that my personal financial information was disclosed to XXXX, XXXX and Transunion Credit Bureau without my consent and without providing me the opportunity to opt out, as required by federal law. This disclosure was done in violation of 15 U.S.C. 6802, which mandates that financial institutions provide a clear and conspicuous notice of their privacy policies and obtain explicit consent or provide an opportunity to opt out before sharing such information with nonaffiliated third parties. Notification of Negative Information ( 15 U.S.C. 1681c-1 ) : Financial institutions are required to notify consumers within 30 days if they furnish negative information to a consumer reporting agency. No notification was given 30 days prior negative report was made. This account has been report Charged off multiple months. When a Charge off is only done once not every month.

I demand that you take the following actions immediately : 1. Cease and desist any further unauthorized disclosure of my nonpublic personal information.

2. Provide a detailed explanation of how my personal information was shared, including the specific information that was disclosed, the identity of the parties who received it, and the purpose for which it was disclosed.

3. Rectify any adverse effects caused by this unauthorized disclosure, including but not limited to, contacting the third parties involved and ensuring the removal of my information from their records.

4. Provide written confirmation of the steps you have taken to address this issue and ensure that such an unauthorized disclosure does not happen again in the future.

Please treat this matter with the utmost urgency. If I do not receive a satisfactory response within [ reasonable timeframe, such as 30 days ], I will have no choice but to escalate this issue to the appropriate regulatory authorities and consider taking further legal action to protect my rights.

I trust that you will address this matter promptly and seriously. I look forward to your timely response.

Sincerely,
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit XXXXporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, XXXX on XX/XX/XXXX under the account number XXXX, a hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX, a hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. These accounts and inquiries have resulted in several fraudulent charge-offs and late payments appearing on my consumer XXXX credit report. I've attached a list of the accounts and inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, charge-offs, inquiries as reported. The aforementioned accounts, charge-offs, inquiries and late-payments appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, charge-offs, inquiries and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, charge-offs, inquiries and late-payments are the result of identity theft and fraud.
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. (IL)

I am a victim of identity theft/fraud. I have noticed the original creditors, Transunion, XXXX XXXX XXXX several times that the following accounts do not belong to me : XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX I have not in any way received goods or services from these companies and I have provided my police reports, my FTC ID Theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to the original creditors, Transunion, XXXX XXXX XXXX.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

All XXXX XXXX XXXX XXXX XXXX, XXXX and Experian ) are fraudulently reporting illegal in accuracies. Per the FCRA, 16 CFR 313.7, Privacy Act of 1974, as federally protected consumer, I have opted out of any and all authorization, that I may have granted in written or unwritten, verbal or nonverbal for my accounts negatively and fraudulently continue to be reported. Per 15 U.S.C. 1681, U.S.C. 1681b & 1681e, 15 U.S.C. 6801-6802, and 15 U.S.C. 6803-6805. The attached IRS Forms 1099Cs which were sent by the companies ( see top of documents ) which should have been processed by the companies using the IRS Forms 1099 OID, Form 1096, and Form 1040-V. I would like to also mention the charge-offs are now considered certificates of indebtedness which means they are considered income and can not be reported as debts which they continue to be illegally reported as debts. 

It appears the CRA agencies are allowing the companies to continue to report for XXXX when in fact all accounts were resolved in XXXX. This is inaccurate, illegal reporting. 
REFERENCE 15 USC 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority
Consumer complaint received 2023-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Truist bank was our mortgage holder. We closed on the sale of our condominium on XX/XX/XXXX and Truist sent our escrow reimbursement check in the amount of {$890.00} to the old address so it was not received. I called on XX/XX/XXXX to inquire about what had happened with the check and was advised that it was returned as not deliverable. I then provided the correct/current address of where it should be mailed and was advised it would be sent out within 5 business days. The check never came and I called again on XX/XX/XXXX, only to be advised that " someone '' had input the request incorrectly so the check was never mailed but that they would correct it and have the check sent out. It never came and I called again on XX/XX/XXXX only to be advised that the check had not been processed but that they would correct the issue and send the check out within 5 business days. The check never came and I called again on XX/XX/XXXX and I was told the check would be expedited and sent UPS. I was provided a tracking number and, as of today ( XX/XX/XXXX ), the XXXX tracking site indicates that while a XXXX label was created on XX/XX/XXXX, the check has not been issued and provided to XXXX for delivery. At this point I can only assume the failure is intentional or, at a minimum, grossly negligent.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-04
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 (MA)

I was alerted by my credit card with XXXX Bank that my XXXX XXXX dropped XXXX points. When I checked to see why, I noticed that XXXX different banks conducted credit checks on me, none of which I requested. They were all conducted on XX/XX/XXXX. I tried to contact XXXX  XXXX XXXX several times and was told by an automated recording that " due to extenuating circumstances we are unable to help you right now. '' I spoke to someone at Capital One and they were unable to help me because I don't have an account with them ( that is part of the problem, why are they running a credit check on me if I don't have an account with them ). At that point I stopped trying to call banks because none of them would help me. I froze my credit on all three credit bureaus and asked for a fraud alert to be put on my account for a year. I need these fraudulent inquiries removed from my report so my credit score can go back up. I used to have excellent credit. 

To summarize, on XX/XX/XXXX, the following banks conducted unauthorized credit checks that were not requested by me : XXXX. " XXXX of XXXX '' XXXX. " XXXX XXXX XXXX  '' XXXX. " XXXX XXXX XXXX '' XXXX. " XXXX XXXX '' XXXX. " XXXX XXXX  XXXX '' XXXX. " XXXX XXXX '' They all have a removal date of XX/XX/XXXX. 

Lastly, my personal information was compromised in a data breach from my employer this past spring. Yesterday I received a letter from XXXX XXXX  ( a company with which I have a credit card ) stating that they declined an application from me because they are concerned that someone is using my information fraudulently.
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CLGF Holdco 1, LLC (FL)

I Advised them of Law : 15 USC 1692c ( c ) THIS LAW CLEARLY STATES If a consumer notifies a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communication. Reporting to my consumer report is a form of communication, which is in clear violation for this company and the continue calls.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 2024-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (AL)

XXXX XXXX XXXX XXXX  me he said he is a car dealer and I wanted to buy a XXXX XXXX  from him but fortunately, he is a scammer and I transfer the {$8000.00} to his XXXX XXXX XXXX account from my XXXX XXXX XXXX refuse to give me back the money since its not going to provide the car I complained to my bank that XXXX XXXX is a fraudster that I want to cancel the transaction I make to his account my bank refused to cancel that transaction and refund me my moneyXXXX  XXXX also bank with XXXX XXXX, He scam me and the money is in his account but the refuse to reverse the money to me please I will like look into my situation
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (DE)

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.In accordance with the Fair Credit Reporting act. 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
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-03
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/year> I placed an order for jewelry for {$3900.00} from XXXX  XXXX XXXX in XXXX, Colorado. Jewelry was delivered and has been in my possession for weeks. 
Made a card payment for {$3000.00} on XX/XX/year> so I would not go over balance and made another payment of {$1600.00} on XX/XX/year> which was the ENTIRE balance at the time. 
Got a text last night from Capital One that I was over my credit limit. First they told me that XXXX  XXXX XXXX has a HOLD on the funds. I contacted XXXX  XXXX XXXX who confirmed they do not and never did. Then Capital One tried to tell me the transaction hasn't posted yet. 
I want my credit balance restored and the over limit fee reversed. NOW.
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (WA)

American Express has failed to prove I owe the alleged debt and has been harassing me with repeated calls, which have caused me emotional and financial distress, violating the Fair Debt Collection Practices Act ( FDCPA ) and Wash. Rev. Code 19.16.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (DE)

I am disputing the XXXX XXXX XXXX XXXX XXXXXXXX bankruptcy entry on my credit report, filed in XX/XX/year>. This information is inaccurate and outdated. I have previously requested its removal due to errors in the reporting, but no proper validation of the bankruptcy has been provided. Despite this, the item remains on my credit report, harming my credit score.
Consumer complaint received 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (OK)

I was hours late on paying my bill, I always pay in full since XXXX XXXX XXXX when I opened account! I had a late fee of {$27.00} and interest of {$7.00} I did not pay attention and ask for charges to be removed before I paid them off the next month. So this interest and late fee is showing up on satements. I requested that they be refunded and the representative says there are no late fees or interest. I say it is printed on my bill and they assure me that there are no late fees or interest. What they mean is they will not refund the interest and late fee because I already paid that bill. In the past if I was late they refunded. I have paid you thousands of dollars in the last 14 years and I expect to be treated like a valued customer! The bill is from XX/XX/XXXXXXXX XXXX XXXX When your representative says there are no late fees or interest when it clearly shows them on my statements it questions the honesty and integrity of the company!