davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I opened a XXXX XXXX account near the end of XXXX and used it to buy a couch. I paid it off almost immediately and completely forgot about the card, until I received an email in early XXXX saying I owed hundreds of dollars in late fees and interest because of an obviously fraudulent charge ( it literally took a 3 second XXXX search to see that I'm not the only one to experience this particular fraud ). 

After letting the company know of the fraudulent charge and letting them know I was not going to pay anything under any circumstances, they called me almost daily until I blocked their number. I repeatedly informed them I would not be calling them, as I did not have time to waste solving a problem that wasn't mine because they couldn't type something into XXXX. They reversed the fraudulent charge but kept all the late fees and interest for some inscrutable reason and ended up closing my account after some time. I requested they correct my credit report, which they have still failed to do.
Consumer complaint received 2023-06-23
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. (GA)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to file a formal complaint for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq. Specifically, The credit bureau// has failed to comply with their obligations under 15 U.S. Code 1681b and 15 U.S. Code 1681a by reporting inaccurate and misleading information on my credit report I viewed my credit file on XX/XX/2023. Within the report i noticed that there were numerous addresses included in my file that are not my current or past address. I disputed the incorrect information and challenged each incorrect address. On XX/XX/2023 I received a notification that my dispute was updated and the incorrect information was showing on my credit report.
Consumer complaint received 2023-06-08
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. (NY)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX / ACCOUNT # XXXX. 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks,
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was reque
sted in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2023-06-24
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. (GA)

On XX/XX/XXXX, I wrote to TransUnion LLC Consumer Dispute Center. I demanded, according to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act demanded, verifiable proof for the following Public Record XXXX Case Number : XXXX and to supply how this information was verified or it would be deleted. I never received any response but a letter of accusing me of being a XXXX XXXX XXXX. I have also attached a Letter received from XXXX back in XX/XX/XXXX which TransUnion uses for this type of reporting that information was unverifiable.
Consumer complaint received 2024-08-13
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. (FL)

I am writing to request the removal of certain information from my file. The items I deleted are listed in the attached report. I did not authorize these actions. 
I have reported the unauthorized use of my identity to the Federal Trade Commission ( FTC ), and other relevant documents. 
Please remove these items from my file as soon as possible. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2016-09-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (IL)

LOOK, I JUST GOT ANOTHER XXXX DEBT COLLECTION NOTICE FROM ANOTHER XXXX COMPANY REGARDING XXXX!!!!!!! I AM SICK AND TIRED OF STILL GETTING XXXX DEBTS REGARDING THIS XXXX ACCOUNT!!!!!!! I HAVE EVERY XXXX RIGHT TO BE FRUSTRATED!!!!!! AND I AM NOT GOING TO THE XXXX POLICE AGAIN WITH THIS STUFF EITHER!!!!!!!! I AM HIGHLY XXXX!!!!!!
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has sent me nonsensical and incorrect documentation in regards to fraudulent charges that were not made by me and posted to my credit card. I have been treated inappropriately by Capital One on numerous occasions, and I feel it has do with a XXXX bias against me. This issue involves fraudulent charges that I do not recognize and Capital One is refusing to remove. Capital One is the only credit card company I have ever had an issue with of my numerous cards, they are abnormal in their response and behavior and are not abiding with US Law. The Fair Credit Billing Act ( FCBA ) protects consumers against inaccurate or fraudulent credit card charges and other billing errors. 

XXXX has charged my card for {$120.00} total, I do not recognize these charges, and Capital One is refusing to remove them. I was charged on four separate occasions. I have submitted all information to Capital One, of which I have copies of, and they are still refusing to remove fraudulent charges from my card. They sent me the following communication : " We opened a dispute case on XX/XX/2022, because you stated that you were unaware what these charges were '' They are acknowledging that I reported fraud to them, and are doing nothing about it. Nor have they provided any information on their findings in the dispute process or how they arrived to their conclusion. They have provided no evidence or proof of anything- they are simply refusing to remove fraudulent charges because it benefits them financially. They have also stated " We issued a permanent credit on XX/XX/2022, for the XXXX XXXX XXXX that occurred on XX/XX/2022 '' This is incorrect, all charges totaling {$120.00} were put back on my card. They are lying directly to the CFPB. Also, how can they give a credit for a charge in XX/XX/XXXX that they said occurred on XX/XX/XXXX, XXXX month after? They are lying directly to the CFPB and not even making sense, it shows the lack of respect this company has and how it does not take the issue seriously. 
Capital One 's behavior is in direct violation of the XXXX Credit Billing Act. Here is the law directly from the FTC website : " If the issuer determines that you owe the disputed amount, they must tell you promptly and in writing how much you owe and why. You may ask for copies of documents that the issuer says prove you owe the money. '' I have asked them for documentation proof or evidence of these false charges and they have not provided it to me, as the law states they must. Capital One is violating consumer law, and I believe it is due to prejudicial bias against me. I am asking the CFPB and FTC to assist me against this predatory company. It is disgusting how poorly they treat the family of a veteran.
Consumer complaint received 2023-06-08
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (GA)

Wells Fargo extended a line of credit for {$8000.00} on XX/XX/2022 in the form of a Wells Fargo Visa Autograph Credit card. Wells Fargo decreased my limit to {$300.00} based on hearsay utiilizing a credit report that is not actual or factual evidence. Wells fargo failed to Clearly and Consciously disclose the terms to me which is a violation of a federal law. Wells Fargo failed to make sure I understand truth and lending. Wells Fargo has breached contract. 
Wells Fargo reason for the decrease was based on adverse information on a credit report.
Consumer complaint received 2023-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AZ)

I just wanted to report a potential spam/scam website : Credence Resource Management , LLC. Website : Https : //www.credencerm.com. 
I received a letter from this company said I have debt with XXXX at {$190.00}. I never owned money to XXXX, and the account number is wrong. I called the number on the letter and answered by an XXXX person, who wanted me to dispute the case at a website which tried to pretend as official XXXX website, but it's not. I realized this is a trap and this debt collector is spam/scam as well. 
On the letter, this company has the Licensed Office Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ; And they wanted me to mail the response to XXXX XXXX XXXX, XXXX, MI XXXX. 
Thanks.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, TransUnion LLC, and XXXX XXXX XXXX Assistance XXXX. These XXXX credit reporting agencies have failed to rectify an inaccurate bankruptcy entry on my credit report, despite clear evidence of its inaccuracy and non-compliance with the Fair Credit Reporting Act ( FCRA ). 

Despite my repeated attempts to dispute the inclusion of this bankruptcy on my credit report, XXXX, TransUnion, and XXXX have each responded by claiming to have verified the accuracy of the bankruptcy through XXXX. 

However, my extensive research clearly indicates that the bankruptcy in question has not been present on XXXX 's report for several months. As a result, the continued reporting of this bankruptcy on my credit report is both misleading and detrimental to my creditworthiness. 

I have also sent each credit bureau XXXX XXXX XXXX, citing the FCRA and providing evidence of the bankruptcy 's absence from XXXX 's report. However, they have not taken any appropriate action to investigate or correct the inaccuracy within the required XXXX timeframe. 

This failure to comply with the FCRA has caused significant distress and harm to my financial well-being, as I have been denied access to credit opportunities and subjected to higher interest rates due to this erroneous bankruptcy entry.
Consumer complaint received 2023-08-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (GA)

I purchased my car from U.S Auto the end of XXXX of XXXX. They picked my car up XXXX and said I didnt make payments. I paid to get my car out of repossession. A couple of days later they emailed me and said they was closing down. Westlake sent me letters in the mailing saying I didnt pay U.S Auto and I owe XXXX on my XXXX XXXX XXXX XXXX I advised them I have been making payments. I asked westlake did they have my contract because I was trying to get my suv fixed under my warranty. Westlake informed me that they didnt have my warranty and they only taking over the payments. I asked them how am I supposed to pay and get my suv fixed at the same time. Westlake said I owed them XXXXXXXX XXXX  and it was on me to get my suv fixed since they not taking over my warranty. U.S Auto Sales breached my contract by not covering my two warranty Ive been paying for. Westlake threaten to pick up my car if I cant pay them. I work for the XXXX XXXX  XXXX and I get paid twice a month. Without my car I wouldnt have a ride back and forth to work
Consumer complaint received 2023-06-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a new accoun with truist bank. I called their number to acivate my debit card and someone said they were transferring me to the fraud department. They then got into my truist account and said my account was hacked. they then proceeded to get into my computer and transfer money out of all of my different banking accounts. this was due to my calling truist for information. i now have to buy new computer mobil phone etc due to this and the bank will not help me nor give out info to the corporate office. dont know what to do. i need to report this and the fraud department at truist is where i called and it was a scam. i want the truist bank to reimburse me for all the new equipment i had to buy.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Since my father passed away in XXXX of 2023 I have been calling citizens bank trying to put a hold/freeze on his asscount so my step sister could stop accessing his card bc over {$15000.00} has been stolen. I have phone records, emails and fax conformations all showing how many times I have been trying to talk to people at citizens along with a detective from the local police department who is trying to access with videos and get told they are " backlogged '' or don't have access to the videos anymore even though like I said I have been trying to get them to look at these videos since XXXX. They are trying to deny my claims and unwilling to pay me the money back.
Consumer complaint received 2023-06-08
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 — Problem with personal statement of dispute
Company: HUNTINGTON NATIONAL BANK, THE (FL)

XXXX XXXX XXXX Customer Advocacy Team Huntington National Bank Re : CFPB Case # : XXXX Huntington Case # : XXXX Dear XXXX XXXX, XXXX hope this letter finds you well. Thank you for your prompt response to my previous correspondence regarding the missing 1099 Tax forms with The Huntington National Bank. I appreciate your attention to this matter and your willingness to address my concerns. 

I understand that the information I provided to the Consumer Financial Protection Bureau ( CFPB ) may not have been sufficient to continue the research process. I apologize for any inconvenience caused by the lack of details in my initial correspondence. Please accept my sincere apologies for the oversight. 

To facilitate the resolution of this matter, I am providing you with the additional information you require : Full Social Security Number : XXXX Account Number : Product Type : Auto Loan Time Frame of the Charged Off Account : XXXX I hope that the provided information will enable Huntington to thoroughly review my claim and locate the missing 1099 Tax forms. I understand that retrieving the necessary documentation may take some time, and I appreciate your patience and diligence in resolving this matter. 

If there are any other documents or forms that you require from my end, please do not hesitate to let me know. I am committed to providing any additional information necessary to facilitate the research process and ensure a prompt resolution. 

Furthermore, I appreciate your offer to address any further questions or concerns I may have. Should I require any clarification or have additional inquiries, I will not hesitate to contact you at ( XXXX ) XXXX. I also acknowledge the availability of the Customer Solution Center at ( XXXX ) XXXX, and I will reach out to them for any general concerns or inquiries. 

Once again, I want to express my gratitude for your attention to this matter. I sincerely hope that this additional information will assist in resolving the issue of the missing 1099 Tax forms. I look forward to receiving an update from Huntington regarding the progress made in locating the required documentation. 

Thank you for your understanding and assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Again, same problems with Bank of America, problem not fixed. Another fraudulent door dash charge. 
I have a POA for my father. 
Took BOA 6 weeks to process POA. 
When my father and I called in, we were told " Why did it take you so long to report this fraud? '' Customer service also refused to issue a new card with new number " due to the POA. '' This was the same POA that they had previously refused to acknowledge. 
Fraudulent charge was only removed after 2 complaints to cfpb. 
Now it's started again. Submitted request to remove fraud charge from card. 
Got letter requesting further documentation. 
BoA has all the documentation. It's in all the complaints to cfpb. 
BoA is very well aware of the fraud and all documentation. 
This issue needs to be dealt with ; fraudulent charge needs to be removed.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I deposited my paycheck yesterday and they told me my funds would be availble today, but i am negative {$14.00} now and I called them, they can't release my money and now are telling me my funds won't be available until XX/XX/XXXX. I threatened to sue them and they said for my lawyer to call them and they'd transfer them to their legal team from there. I am freaking out and looking for ways online to get money because i have to get my belongings out of this apartment as I have been service forced detainer of eviction paperwork. I even told the banker because of this hold non sense my son and I are forced to be evicted and are in a homeless situation. They didn't care or even try to release my money to me. Why can other banks do release on holds of even the CEO of bank of american won't. I am very upset and in a bad situation.