davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
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. (FL)

To Whom it may concern.. 

XXXX XXXX XXXX Account number XXXX You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

Under 15 U.S. Code 1681b - Permissible purposes you must receive written instructions from me to release my information to third parties such as ( Experian, XXXX and XXXX ). 

I request that you send me proof of the letters I have sent in writing to you XXXX XXXX XXXX authorizing my personal disclosure to third parties and authorizing the permissible purpose, it is my right as a consumer to receive written proof under the ( FCRA ) within XXXX days of receipt of this letter as provided by law. 

If the company XXXX XXXX XXXX can not provide proof of my written authorization for permissible purposes under 15 U.S. Code 1681b within XXXX days, the account must be immediately removed from my credit report Experian, XXXX and XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to XXXX, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumercan exercise that nondisclosure option. 


15 U.S.C 1681s-2 ( A ) 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. 

Show me written evidence that XXXX XXXX XXXX complies with all the laws mentioned above, and that it complies with the standards imposed by the FCRA MENTIONED XXXX
Consumer complaint received 2024-11-07
Product: Student loan — Private student loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Stratus Financial LLC (CA)

I have been with Stratus Financial since XXXX of XXXX and they have not reported my credit once. So in XXXX of XXXX I reported them with CFPB and on XX/XX/XXXX i was sent an email saying they will start reporting my credit on XX/XX/XXXX and still I have nothing and it is XXXX.
Consumer complaint received 2024-09-27
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. (MD)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-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 am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX {$3400.00}, XXXX XXXX {$1600.00}, XXXX XXXX {$2100.00}, XXXX XXXX {$8500.00}, XXXX {$1400.00}, XXXX {$650.00}, XXXX {$970.00}, XXXX {$910.00}, XXXX {$860.00}, XXXX XXXX {$1500.00}, XXXX {$1100.00}, XXXX XXXX {$680.00}, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-11-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (AZ)

XXXX 2023, I was reached by individuals, acting on the behalf of and/or through the Internet-platform XXXX. he individuals contacted me, explained to me and made me believe that their platform and its operator are completely licensed and qualified to trade regulated financial products and to provide financial advices for the benefit of an unlimited number of individuals. Being extremely pushy and aggressive in their approach towards me and exploiting the lack of special knowledge and skills on my side, these persons persuaded me that they are completely legitimate, which influenced also my decision to invest substantial amounts on their platform. At a later stage, my research shows that there have been published numerous warnings against said platform that clear evidence that the platform XXXX, does not have a license to trade regulated financial products such as they advertise on their site. Deceiving me and promising substantial and rapid return of my investment, the unlicensed financial broker demanded from me to initiate series of payments within short period of time. I was deceived that these payments are for funding my segregated financial investment account, but no part of these transactions was ever used for financial trades. In consideration of the beneficiaries and the lack of financial brokerage license of XXXX it is impossible that the unlicensed brokers maintained segregated financial investment accounts of their clients. Therefore, we assume that all payments were laundered by the Merchant and I was put in deceit that I can really place trades and participate on regulated financial markets. For a certain period of time after an imaginary investment account, I had access to my account with XXXX. After a while, my personal profile was closed without my consent, and all my attempts to get my funds back into my " investment '' account were unsuccessful. As a result of the interaction with the aggressive Merchant, I lost XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) paid in multiple transactions. The payments were initiated through my account with WELLS FARGO BANK. WELLS FARGO never warned me about potential risks associated with those payments. I have tried to resolve the issue with WELLS FARGO. On XXXX, a Letter of Demand claiming compensation was sent to the bank. As of today, the bank has not offered a compensation for the losses I have suffered.
Consumer complaint received 2024-09-27
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. (MN)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC. (NJ)

I am existing customer of XXXX XXXX since XXXX with a savings account, and before that I was a customer of TexasCapitalXXXX before they shut that down and I moved my money to XXXX. 
Recently, I tried to open a XXXX  Checking account and my application was denied because I cant provide a copy of a XXXX ID. I am in XXXX legally and opened all my previous XXXX accounts with no issue at all. I am willing to provide them all the documents that XXXX requires me to provide to get a state ID including my current utility bill and bank statements that show my current address and my XXXX passport and also documents that show that I am here legally. I can go get a state ID from a dmv but that has to be renewed every XXXX years and is a pain. And it is not that they are closing my existing savings account because I dont have a XXXX ID. You are allowed to have bank accounts without having a XXXX ID, it is just a new onerous requirement being imposed by their new system. 

I am humbly requesting Bask to pleas reconsider my checking account application. 
thanks
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

On XXXX, I received my first payroll direct deposit into my Citi Bank XXXX  Checking Account. When I attempted to transfer funds to another account, the transfer was blocked, and my account was flagged for fraud. 

I immediately contacted Citi Banks fraud department. After a prolonged wait, I spoke to a representative who asked me to verify my identity using my phone number. I provided my phone number, which I have held for over a decade on a XXXX  postpaid plan. This phone number is registered with Citi Bank and is also used for multi-factor identification on the account. It is my primary contact number with all major credit bureaus ( XXXX, XXXX, and XXXX ) and is registered with XXXX, XXXX XXXX XXXX, XXXX, and XXXX. Despite this, I was told Citi Bank couldnt verify my identity via this phone number and that I would need to wait XXXX business days for a letter by mail to proceed. 

After this call, I withdrew {$600.00} from an ATM with my account debit card. 

The next day, XXXX, I received an email from Citi Bank indicating that my ATM/debit card had been flagged for potential fraud. The email also stated Citi Bank was " unable to contact me, '' yet I had received no calls, voicemails, or texts from them. Once again, I spent a significant amount of time on the phone with their fraud department, only to be told that Citi Bank still could not verify my identity using my phone number. My only option, I was told, was to wait another XXXX business days for another letter. 

Additionally, Citi Bank has reduced my daily ATM withdrawal limit to {$200.00} per day without providing an explanation. And as of today, I am also unable to access my account online, which restricts me from monitoring my balance or viewing any transactions. 

I asked the representatives to clarify which service or system they were using to verify my phone number so that I could proactively address the issue. They refused to provide this information, making it impossible for me to rectify the problem with their flawed verification system. 

Due to these restrictions, I currently can not access my paycheck and am unable to pay my rent. The repeated delays, lack of alternative verification options, and complete lack of online access to my account have caused me serious financial distress.
Consumer complaint received 2024-09-26
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)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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Consumer complaint received 2024-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (VA)

Company has been calling and emailing me after I told them numerous time to stop calling to collect a debt I know nothing about. This is from a result of identity thefts " According to FCRA Section 605B it is illegal to report anything on my credit report without my permission. 
Please remove this negative item. Thank you ''
Consumer complaint received 2024-11-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAVALRY INVESTMENTS, LLC (MD)

Prior to and on XX/XX/year> then afterward I would received numerous threatening calls from Cavalry SPV I LLC by someone claiming to be them from unknown numbers. I was finally able to hear the individual person claiming to be from Cavalry on XX/XX/year> in which I had to look up their address myself. I then sent off a debt validation letter to their address on the same day, but I never received a response back but only to continue to receives those unwanted threatening calls to the point I lost the count. On XX/XX/year> I had discovered that there was a lawsuit that was filed against me on XX/XX/year> with the State of Maryland case number XXXX in which they had 30 days to responses to my request but they did not but less than 30 days hired a lawyer by the name of XXXX XXXX XXXX to act on their behalf without any acknowledgement of my letter that was less than my 30 days.. So on XX/XX/year> I filed with the court a XXXX ( Motion to Remove ) asking for a Dismissal With Prejudice plus I am mailing off to both of them a copy of my request on XX/XX/year> a copy of my request that has the court doing an acknowledgement. Their addresses are XXXX XXXXXXXX XXXX XXXX XXXX XXXX CT XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Consumer complaint received 2024-11-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I have been taking care of my mother 's finances for over 2 years now. As directed by her attorney we opened a high interest savings account at Capital One together as joint owners. The attorney had advised doing this in case of my mother 's passing I would still be able to direct the financial affairs and work her estate. 

My mother passed away XX/XX/year>. I am working on her closing financial matters and wanted to transfer some funds to checking to pay her bills and other financial matters. I did a transfer and was notified after the transfer ( pending ) that it was cancelled and her account restricted ( locked ). 

I called Capital One on XX/XX/year>, and after about XXXX minutes put on constant hold and directed to four different people that even though I am a joint account holder they would not remove the lock. I had to open a case file in which someone would reach out to get proof of death. No one has reached out. I also filed a complaint, and no one has reached out. They refused to let me talk to management. 

They are putting undue stress on me and the family especially when it is tough enough to deal with the death. As a joint owner we should not be going through this hassle! 

We are now scrambling to get funds available to help close my mother 's final obligations. According to the attorney we should have been all set with the planning done in advance ( advance health care directive, will, POA, joint account ownership ). Capital One feels otherwise and is purposely putting undue stress on the family at the time of her death.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 
Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3300.00} {$3300.00} {$3300.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$5900.00} {$0.00} {$3300.00} Credit Limit : {$6000.00} {$6000.00} {$0.00} Past Due : {$3300.00} {$3300.00} {$3300.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXXredit grantor. 
Charged off account Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (OH)

I was illegally evicted from the property that was being serviced by the electric provider ( XXXX ) in early 2023. This illegal eviction came as a result of a large-scale, unnannounced construction project that rendered my apartment unlivable while I was away on business. I was able to settle with the landlord outside of court and subsequently let out of the leasing contract. I moved out of the apartment in XXXX of 2023 and shortly thereafter, my leasing contract was terminated. Although I was no longer living in the unit, the property manager left the XXXX electricity account in my name until they were able to find a new tenant. This resulted in all of the electricity being used in the apartment ( presumably, to power their construction equipment ) being charged to my name. I disputed the account directly with the debt collector when they reached out for further information through the mail. This resulted in " Online Information Services '' ignoring my claims and posting the collections account to my credit reports anyways. Given the swiftness of their decision to ignore my qualms, I felt it was fair to assume that they have not done any sort of investigation into my situation and decided to make a case with the CFPB. This case ( XXXX ) ended up being resolved in my favor and the debt was removed from all my credit reports. 

Fast forward to present day, Ive received ANOTHER {$190.00} collections account from a completely different collections agency. This means that XXXX XXXX XXXX has purchased my previously XXXX debt from XXXX XXXX XXXX and now re-attempting to collect.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TX)

I made XXXX transactions on the XXXX of XXXX to which were pending and deducted from my balance for a total of {$350.00}. On XX/XX/XXXX at XXXX XXXX. Those transactions were posted to my account as completed deducing another {$350.00} from my balance. I contacted support and explained to them that very thing and they just immediately jumped to adding more money to my account and not even understanding or addressing my issue. So I then explained how they are the same tractions and the hold should be removed if the merchant and you have a completed transaction and even if so I shouldnt be charged twice. Representative was not understanding or even well informed about how transactions worked proceeded to say it is on the merchant and I need to talk to them and if its not correct by the XXXX then I can dispute it. I call the merchant and they advised me that I did only do the transactions once for each and they have finalized the transactions and they have been hearing a lot of this from this institution.