davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (NV)

I have NEVER been in a XXXX store in my life. 
I have had XXXX XXXX XXXX  for over 13 years. ( Attachment A ) XXXX sent me an email saying it was NOT my charge. ( Attachment B ) 4. I called the collection agency on XX/XX/XXXX to dispute this charge. Diversified Adjustment Service , Inc. refused to give me any information about the charge. They wouldnt even tell me what store it was from. According to Fair Credit Reporting Act, they have to give me all information they have to show it is my charge. They are in violation of this federal law and I will be reporting them. 
5. I also reported this to the XXXX XXXX Police Department and offer their report. ( Attachment C ) 6. There should be evidence that my license was shown at the time of this transaction to prove it was me. Where is it? 
7. What could possibly cost over {$5400.00} dollars at XXXX? 
8. The collection agency had my address from over 10 years ago when supposedly this transaction happened in XX/XX/XXXX. This is probably why I never received any notice of this charge from them.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

From XX/XX/XXXX - to XX/XX/XXXX I've had several Capital One attempts to open lines of credit. I have not attempted to open a credit card with this card company because I already have XXXX accounts with them and I've received notices about my information being compromised in the XXXX XXXX breach I've tried to dispute these hard inquiries with no resolve. I have not tried to open more accounts this is absurd and it is ruining my credit score I have a goal to purchase a home these constant hard inquiries are hurting me and it doesn't make sense to keep making them with the same company I have an account with.
Consumer complaint received 2024-07-10
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (IL)

I remitted money to XXXX through sigue corp on XX/XX/2024, and I have not received it in XXXX! I have requested a refund from SIGUE CORP through different methods. Now it has been XXXX months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/2024, and SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Consumer complaint received 2024-07-31
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)

FOLLOWING THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX, ACCOUNT NAME : XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX IN COMPANY ), HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE INVESTIGATE THIS MATTER, THANK YOU.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (MD)

I updated my address for my business bank account last week on XX/XX/2024. I then sent NFCU a message through my online banking portal to request a bank statement that shows my correct updated address. I need this document to update my business address and SAM.gov in order to fully registered my small business as a government contractor. However, no one responded to my message so I ended up calling NFCU this week Monday on XX/XX/2024, and was transferred to 3 different departments. I had to explained why I need this updated bank statement several time which is ridiculous. After I was transferred to the 3rd department, I then was told that the interim bank statement request will be submitted, and that I will receive the new bank statement with the correct address. I was then told to check for the statement between XXXX to XXXX which it should be available by that time. When I checked my online bank account the next day on XX/XX/2024. The bank statement was there but it did not have the correct address that was updated on my account, which was the reason for the request. So I had to call again on XX/XX/2024 to find out why the statement was not processed correctly to request a new correct statement but they are now refusing to provide me with a correct bank statement. And the bank verfication letter is not accepable for the GSA that processes entity registrations for SAM.gov This credit union is now causing an issue with my business registration because of their bank error. They are hiding behind there policy when techncially they can sent a ticket to their IT department to manually generate the bank statement. And my business should not have to pay for their mistake. I also provided the message they sent to me which pretty much states that they can only generate 1 interim statement cycle. However, that 1 interim was incorrect due to their bank error. Therefore, they should correct this mistake.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I DEMAND to know why EVERY SINGLE TIME I try to use my debit card - WHEN THE BALANCE MAY BE UNDER BY XXXX XXXX  - my debit card is DECLINED? 

I DEMAND TO HAVE AN ANSWER REGARDING CUSTOMER LONGEVITY AS WELL AS DEPOSIT HISTORY - and I DEMAND that the CFPB holds BANK OF AMERICA ACCOUNTABLE for their answer- INCLUDING UP TO AND INCLUDING THE POTENTIALS OF THE CFPB FILING A CLASS ACTION LAWSUIT on behalf of the Bank of America members that this is an ONGOING issue. 

I ALSO DEMAND that the CFPB gets the FDIC, FTC, and the respective ATTORNEY GENERAL OFFICES involved of the respective chartered states. 

Bank of America- in its policy handbook specifically states we have the right to pay potentially declined debit charges. Granted, this is acceptable for accounts that DO NOT carry the relative value that one as mine would. The applied algorithms of longevity, deposit history, overdraft history, average running balances,.
Consumer complaint received 2024-07-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/year> my card information was stolen and fraudulent charges were made. Those charges resulted in my account over drafting so money was removed from my savings account to cover the charges from my checking account. The amount used to cover totaled {$650.00}. On XX/XX/year>, the individual responsible for stealing my information was arrested and charged on 6 felonies. It is now almost XXXX and Bank of America still has yet to refund me this money. They have all of the information needed including the final police report stating the individual was arrested. I have called on multiple occasions and spoke to many different representatives who only say I will get the refund once the investigation is closed. What investigating is left to do and where is my money??
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I will be taking legal action XXXX XXXX amount of {$11000.00} was charged on my credit card. My Bank failed to stop all transactions and notified me. It went over my credit limit. I had several fraudulent from a company called whatnot. I never nor did my husband approve for any of these transactions. The bank stated the package were sent to my address. What packages? I do not have any package whatsoever. I even submitted supporting documentation to help with my claims. I am always calling every week to get update. The bank is working on the case no changes. As of today BOA closed my claim stating I asked for it to be closed. I never spoke to anyone about closing my claim, I never gave anyone authorization to close it. I repeat why would I want to close a {$11000.00} claim! Im getting the runaround with BOA. Im sorry BOA has failed me, I been with them since XXXX, I never had this happen to me especially a huge fraudulent transaction!
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (MD)

This consumer reporting agency is not following reasonable procedures to assure maximum possible accuracy of information concerning the individual to whom the report relates. My rights to privacy is being violated in that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

deposited a cashier 's check on Friday XX/XX/XXXX. 

bank sends email stating partial funds would be released as per regulations. XXXX next dayand the next XXXX  days and then the balance on the XXXX business day. 

This is how every other bank would have done this. 

They then send an email that states their confidential methods have determined that the likelihood of the check clearing is not good so that they have to hold all of the check until XX/XX/XXXX. 

It is a freaking cashier 's check. Backed by the financial institution that issued the check. Your automated computer process needs to be fixed and you need to make the customer aware of the check being held that long prior to the deposit taking place. It is XXXX Upgrade your systems. While speaking to the Capital One rep on Sunday at XXXX pm, I let them know we came on some hard times afer our XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The rep laughed. I called capital One again on XXXX after being reassured by the issuing bank that all Capital One had to do was call them and clear the check since they could verify funds were backed by the XXXX XXXX. Capital One declined to help fix the situation. Do not use them. The CFPB needs to hold these corrup institutions accountable. People hav bills to pay. Holding money for as long as you want is not a good practice.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (FL)

CoreLogic Credco XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Addresses, Update of Correct Information, and Security Freeze Dear CoreLogic Credco, I hope this letter finds you well. I am writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 
My correct information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please find attached copies of my driver 's license and a recent utility bill as proof of my accurate address. 
In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made and that the security freeze has been placed. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-15
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: Bridgecrest Acceptance Corporation (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear BRIDGECREST, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that BRIDGECREST has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for BRIDGECREST to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that BRIDGECREST immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that BRIDGECREST will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am exercising my report to have this disputed and investigated as these accounts are being reported wrongfully on my credit file. I should receive {$1000.00} for each incorrect report on my credit file based on the Fair Credit Report Act. I know that FCRA 605B requires us to report any incorrect accounts being reported on a consumer 's report.
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

On XX/XX/year> I requested a dispute for a transaction that appeared on my XX/XX/XXXX statement for {$1100.00}. This was due to the fact that the company paused its operations and never provided the services that I paid for. XXXX credits were issued and the dispute process proceeded normally. I didnt see that USAA XXXX documents from me so they ended up closing the case on XX/XX/year>. USAA allows the dispute team to re-review and reopen the case if new documentation is submitted. On XX/XX/XXXX, I request a re-review on XX/XX/XXXX and submit the documentation that USAA asked for in the next day or XXXX. Eventually on XX/XX/XXXX, XXXX issued a document saying that USAA will not re review my case. When I called to ask about the reason, an internal message from the dispute team said case is now past time limit as referenced in your depository agreement and unable to reopen the case. When I inquired what time limit elapsed I was given several different answers with XXXX from a representative named XXXX saying the dispute documents had to be filed within 60 days of dispute case being opened, XXXX from XXXX saying a dispute couldnt go past 90 days and this in it of itself was a valid reason to close the case, and XXXX from XXXX saying the merchant had 60 days from the disputed transaction being posted on statement to have the case disputed and after 60 days USAA couldnt recover the money due to their merchant rights. All of these answers were not explicitly stated in USAAs depository agreement. The only time limit referenced in the agreement was that I had to notify USAA within 60 days of the transaction in question appearing on my checking statement which I did. When I said this to one representative, he said the USAA dispute team was like a bunker and that they cant get access. I requested a call back from a dispute specialist and was told the call would come from the USAA phone number but never received a call.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Unfortunately after many failed attempts at getting the fraudulent credit card removed from my credit reports. After sending FTC and Police Report you have failed to resolve this matter as this has put your institution in violation of the FCRA 605B. I am filing this last complaint with CFPB prior to my legal team filing for damages in Federal Court next week. You refuse to do anything to resolve this issue as the victim of fraud and identity theft. My ex partner had unauthorized access to my information opening accounts and even going as far as making payments on them with bank accounts in my name. When he left me in XXXX everything came to light about the matter.
Consumer complaint received 2024-05-31
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. (CA)

I am XXXX XXXX XXXX, and I wish to clarify that this message is being sent independently and not on behalf of any third party. Recently, I conducted an examination of my credit report, which caused significant distress upon discovering unverifiable, invalidated, inaccurate, and questionable entries. Your agency, tasked with ensuring the accuracy of consumer reports, has not fulfilled its obligation to ensure that the reported information is entirely accurate. 

In accordance with 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to implement reasonable procedures to guarantee the utmost accuracy of information pertaining to individuals in the consumer reports they generate. 


As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts and items listed in my dispute letters attached. Thank you!