davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
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: M. G. Credit, Inc. (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

15 U.S.C 1681 Section 602 A. States 1 have the right to privacy. 

( Original creditor ) is XXXX XXXX XXXX XXXX it was placed for placed for collection with a creditor by the name of MG CREDIT XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. It also saying that the account is closed but I'm also showing something saying its open. I think its open because of the company selling it to an collector. And the amount of {$1000.00} This was created back in XXXX XXXX XXXX ( 4 years ) 15 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 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.

15U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

I have an account with Synchrony Bank. I have three store cards that process through Synchrony. There is also a Synchrony app, where you are supposed to be able to make payments. I only have a balance due on a Care Credit card. To use the app, you have to enter your Synchrony account number. This is a problem, since I NEVER RECEIVED A SYNCHRONY card. I don't know if it was lost in the mail, mis-delivered, or something else. Any email corresponcence they send, has only the last 4 digits of the account number. Trying to get past their XXXX  digital assistant is nearly impossible. This means the only way I can make a monthly payment, is to get on with somebody, via chat. It takes forever to accomplish this. All I need is for them to send me a duplicate Sychrony card, and I think I'm good. But, YOU CAN NOT get to a human when calling their number. Look at theri XXXX account and you can see, I am one of hundreds with similar issues.
Consumer complaint received 2023-07-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

A unauthorized/Scam deposit happened it wasnt meh but they closed my account with no reason given it was nothing but a minus XXXX dollars on there an it was near when I get my check an I was trying to login an find out that my account was locked currently an I called them an they said it was locked or whatever trying to call them about three times they gave meh different reasons one said wait on Monday an the other said that the account was frozen but didnt know the reason an the other said that the account was frozen due to the deposit an the other was like the account is closed an I cant d on nothing about it which is really bad for meh because I have bills to pay..
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-08-10
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: Experian Information Solutions Inc. (TX)

Upon reviewing my credit report this morning, I was alarmed to find unauthorized inquiries that I can not explain. I routinely monitor my credit report, and this time, there were unexpected issues. I even tried refreshing my browser to see if it was a technical glitch, but the inquiries remained. This has left me feeling uneasy, and I ask that the documents Ive submitted be reviewed carefully to resolve this matter quickly.
Consumer complaint received 2024-08-10
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. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

To Whom it may concern, Your agency has concluded the investigation and I am not satisfied with the results. I am still obligated to pay XXXX  insurance 0f approxiamtely $ XXXX despite having XXXX  % equity in my home. 

Fifth Third bank has directed their chosen realtor to value my home. The realtor sent was incompetent at best. Realtor unfamiliar with the unique characteristics of the historic downtown housing market. This resulted in a minimum of $ XXXX not realized as my equity in XXXX XXXX XXXX XXXX NC.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX I need help with my dispute reference number is XXXX for XXXX  XXXX {$800.00} card ending in XXXX on XXXX and posted date XXXX to be looked into for me because the dispute department phone number at XXXX keep telling me different stories saying they still looking take the credit out the account today XXXX but I called in they say they still looking into it and investigation it if the credit will be taken out or not because the account is closed and they claim they never receive the check from XXXX XXXX or I didnt receive it to because it was supposed be put back into the account after the account was closed out and provisional credit was given for {$800.00} but I never received the refund from XXXX XXXX so please help me do I have to pay the {$800.00} back or not or did the bank got the money from XXXX XXXX by a check they keeping saying my account is {$0.00} etc my debit card number is XXXX expire date XX/XX/year> cvv is XXXX and account number is XXXX etc. contact information is XXXX and phone number is XXXX etc?
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Both XXXX  XXXX XXXX and CapitalOne sent my PII to XXXX without my permission. This is clear violation of my privacy. Please have all credit card cease and desist from sending PII to ANY outside vendor. 

Both require that I OPT OUT rather than OPT IN, which is a further violation of my right to privacy for my PII.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I checked my credit report and found that some of the data were incorrect. The three 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (TX)

I am a victim of identity theft and noticed a collection from AFNI. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2023-08-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-07-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (IL)

My identity was compromised in 2019. I noticed an issue when I started getting reports on my credit stating that I had accounts being opened that I needed to be aware of. I obtained a police report and began sending the required information to every credit bureau. XXXX deleted the account from Truist Bank and put the account back on my credit. The account is indeed fraudulent, and the company reports an address I have NEVER lived at or been associated with. I tried to get the account deleted by XXXX, and they refused to delete it because Truist Bank is reporting that the account belongs to me. In accordance with the FCRA, the accounts listed have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681B. This law states any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. These accounts were obtained fraudulently under an address. that I have never been associated with is now reporting on my credit.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

In XXXX of XXXX, I noticed some charge errors on my debit card issued by Wells Fargo. I was charged for goods/services that I never received from the merchant known as " XXXX XXXX ''. My debit card was charged a number of times for goods that I never received. My account with the merchant should have been credited for the exact amount of the debit card charges in question but never received any credits. I attempted to resolve this matter directly with the merchant but they did not respond to my issue.

As such, I then sent in a letter containing details for 8 debit card disputes to Wells Fargo 's Dispute Resolution Department. I sent this letter to the address that appeared on the notification when I first attempted to file my dispute through their app. My letter seems to have been ignored and Wells Fargo has not notified me that they are investigating my disputed charges. The letter I sent fully enables the institution to identify my name and account number ; and indicates why I believe an error exists and includes to the extent possible the type, date, and amount of the error. 

I sent this letter via USPS Certified Mail with tracking and return receipt. I will attach screenshots of 1 ) the address which Wells Fargo received my letter, 2 ) the tracking information from USPS showing the letter was delivered and signed for on XX/XX/XXXX, and XXXX ) the return receipt with the signature and printed name of the employee who received my letter of disputed charges. The tracking number for this letter is XXXX ( XXXX ). 

I will also attach a copy of each page that I sent in this letter to Wells Fargo to this CFPB complaint. The XXXX pdf documents included in this complaint reflect exactly what they received on XX/XX/XXXX. You will notice it has all of the details necessary to file my dispute against the merchant. 

Regulation E 1005.11 ( c ) ( 1 ) states the following : 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred. 

It has now been XXXX business days & XXXX calendar days since my letter was signed for. Thus, it is apparent that my letter is being ignored and Wells Fargo has not obeyed Regulation E as a financial institution. I am submitting this CFPB complaint with the hope that someone will conduct a fair investigation for my dispute and resolve the charge errors because it is obvious the merchant has stolen my money and did not ever deliver the goods they promised. The merchant is completely unresponsive at this point and ignored all of my attempts to resolve this issue with them.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (PA)

I recently had XXXX late fees in which I was assessed fees that I paid. As a result of the late fees and what Barclays said was excessive late payments since XXXX  my credit limit was reduced by XXXX  %. This then put me at the XXXX limit based on prior charges. The late fees, credit limit reduction and balance over XXXX  % as a result of the credit limit reduction were all reported to the credit bureaus as adverse reporting. My XXXX XXXX was reduced by over XXXX points impacting a recent lease agreement and my ability to cancel this account and open a new credit account due to adverse credit reporting.
Consumer complaint received 2023-07-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

My identity was compromised in 2019. I noticed an issue when I started getting reports on my credit stating that I had accounts being opened that I needed to be aware of. I obtained a police report and began sending the required information to every credit bureau. Experian deleted the account from XXXX XXXX  and put the account back on my credit. The account is indeed fraudulent, and the company reports an address I have NEVER lived at or been associated with. I tried to get the account deleted by Experian, and they refused to delete it because XXXX XXXX  is reporting that the account belongs to me. In accordance with the FCRA, the accounts listed have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681B. This law states any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. These accounts were obtained fraudulently under an address. that I have never been associated with is now reporting on my credit.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I tried to XXXX my friend {$250.00} thru my Bank of America account. It put hold on transaction stating to call for authorization. I called and authenticate myself gave all the information they wanted but they blocked the account stating that I need to go to financial center with XXXX forms of ID. When I asked what is the reason they did not provide any reason and keep sating that I have to go to the local bank. I feel discriminated and accused on something so I am going to press charges against Bank of America for defamation of my character.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I received a fully ready to activate credit card in the mail without submitting any application. I have no prior relationship to CapitalOne. 

It is very concerning that they would just simply put a credit card in the mail.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have a hard inquiry on my credit score for a Capital One credit card that I never applied for it shows that they removed it off of my credit score but it got put on immediately after they removed it I called Capital One they agreed and said this should not be on my credit score
Consumer complaint received 2023-07-29
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. (MT)

In regards to Experian XXXX XXXX XXXX  Acct # XXXX .... 

I have contacted Experian Multiple times with no result. I have PROVIDED DOCUMENTATION THAT THEY HAVE NOT LOOKED AT. This documentation is a payment statement provided by XXXX XXXX XXXX, Attached to this compliant, IF Experian were to actually LOOK at the document they would SEE that the account number matches the account number on my Experian credit report, would match the amount of the loan, and the open date. 
. 
What would not match : is that it was not discharged through bankruptcy. 
On the XXXX XXXX XXXX  XXXX ( OWN ) Payment Report history, attached to this compliant, The document will show that the loan was paid with no late payments and was PAID IN FULL - PAYOFF XX/XX/2019 {$1300.00} ALMOST 3 YEARS AFTER XXXX XXXX  SAID THIS LOAN WAS DISCHARGED. I request Experian to explain this DISCREPANCY. I would ask that XXXX XXXX XXXX  who took the money for payment while the loan was being PAID and excepting the payoff 3 years LATER???????????? XXXX XXXX XXXX  who has verified the data on the Experian report as accurate???????????
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (NC)

a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2024, report I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputedi tems as soon as possible. Please send me a letter explaining your findings and actions.
Consumer complaint received 2024-08-13
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: Experian Information Solutions Inc. (FL)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (MD)

My identity was stolen and, as a part of that, a 3rd party tried to do a mobile deposit for a check that I had already deposited and had been rightfully credited to my PNC personal checking. 

She first tried to mobile deposit the check to PNC and it failed. She then tried to cash the check via XXXX XXXX. Evidently, the plan was to deposit the check into one of my accounts, and then XXXX the full amount of the deposit to her account. XXXX credited the account, HOWEVER, they immediately reversed the deposit and debited my account at XXXX for the exact same amount of the attempted deposit. No harm no foul. 

Unfortunately, HOWEVER, PNC BANK did a debit memo on my account and my account now has a negative balance. 

I have attended to contact PNC number numerous times and they have no answer. 

This is a simple matter. If the check was NOT DRAWN ON PNC AND THEREFORE NOT PAID BY PNC, WHAT PNC DOING BY DOING A DEBIT MEMO AGAINST MY ACCOUNT??!! 

I have actual PROOF that the check NEVER cleared the banking system a SECOD TIME, yet PNC still hasnt reversed the debit memo. Its ridiculous and bad behavior by a bank against a consumer that the CFPB was DESIGNED TO PREVENT. 

Thanks. 

XXXX XXXX