davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX tried to call me during my work hours to resolve an issue, but she provided incorrect information to CFPB and did not adequately resolve the problem. Additionally, I never consented to Capital One to open a bank account ; I only agreed to open a savings account to receive {$300.00} as an incentive to open a savings account. When I called them before filing this complaint at CFPB, they were confused and unable to provide a consistent explanation.
Consumer complaint received 2024-03-05
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 (GA)

This wretched company does not want XXXX  for clients and places impediments in their path to discourage them from being customers. I have paid EVERY bill on time without fail for the past 7 years. But Barclays keeps changing the term of my credit card without warning. Now in this latest piece of malfeasance they are stalling. I am in XXXX and they lowered my credit limit by {$800.00} without warning making severe problems for me. I filed a complaint on XXXX XXXX and the company took a week to respond. I sent an email to them explaining their treachery but no response. On the XXXX the company supposedly responded by saying they are looking into it. This is not rocket science. This is DISCRIMINATION against XXXX. We know that the federal government in naturally on the corporation side which is why they are dilly dallying. If the CFPB was serious it would look at this clear pattern of XXXX  and do something about it.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (CA)

A XXXX Dollar charge was made to XXXX XXXX XXXX in XXXX pa. in which an investigation needs conducted that's fraud roughly 5 years ago. 
XXXX. Was lost to XXXX XXXX and XXXX. Was lost to XXXX XXXX. 
XXXX at XXXX XXXX XXXX nc. is supposed to be working on this. He is not!! 

Next is M and T bank XXXX. Was unauthorized fraud transaction at XXXX XXXX, pa by XXXX XXXX XXXX XXXX XXXX XXXX XXXX They should have whole transaction on CAMERA!! 
M And T headquarters is in XXXX new York!! Please contact them!! 

NOW, XXXX IS NOT CREDITING MY ACCOUNT AND BRINGING IT UP TO XXXX. I HAVE TRIED TO FILE FRAUD CLAIMS. AND THEY ARE TAKING THIER SWEET TIME!! 
HEADQUARTERS NEEDS CONTACTED!! Please! 

On Thursday. Of last week I got XXXX XXXX XXXX XXXX XXXXXXXX. Trying to get XXXX. Drs here in u..s WILL NOT ORDER IT!! SO I AM TRYING XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IN XXXX. 
THAT IS GOING TO XXXX COST!! 
PLEASE HELP!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MS)

There is a company that shows up on my credit report XXXX times. XXXX XXXX  XXXX alleges that I owe XXXX  {$150000.00}. I have received XXXX letters stuffed in my mailbox from XXXX and XXXX, a law firm claiming to handle accounts for XXXX. I have never had an account with XXXX. I also don't understand why I would be receiving letters from XXXX and XXXX law firm but have another law firm show up on my credit report. I called XXXX  and they stated that they do not have an account for me. This has affected my credit report tremendously in a very negative way. I really need help with this.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL (IL)

XXXX XXXX needs to be shut down- they illegally just slap on debt under my social security number illegally - I do not have a contract with them - nothing signed have no clue who this synchrony bank is other than XXXX! so they sell our address social sec numbers bank accounts to XXXX or a hoax company! show me the giovernment legality they can do this! Otherwise let s bringXX/XX/XXXX here so we can take care of these crooks ruining the credit of the middle class! 
Get them off my credit unless they show a contract that I signed with them. XXXX Close these companies down now!
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( 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 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 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 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 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 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 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 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 2024-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. This item must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 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 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Opt-Out Request for Credit Reporting I am writing to formally request that you exclude my personal information from your credit reporting system. As an individual concerned about my privacy and in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I wish to exercise my right to opt out of the credit reporting services provided by your agency. As a federally protected i am now opting out of XXXX  and all authorization i the consumer may have given you written, unwritten, verbal and non-verbal per 15USC 6082. Which States : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) 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 the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 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 consumer can exercise that nondisclosure option. 

COMPANY : XXXX  ACCOUNT NUMBER : XXXX Please be advised that I understand the implications of opting out of credit reporting. By choosing to opt out, I am aware that it may limit my access to certain credit opportunities, as lenders often rely on credit reports when evaluating loan applications. 
Nevertheless, I am committed to maintaining my privacy and believe that the benefits of opting out outweighs any potential drawbacks. 
To assist you in processing my opt-out request, I have provided the necessary information below : Full Name : [ XXXX XXXX ] Social Security Number : [ XXXX ] Date of Birth : [ XX/XX/1984 Current Address : XXXX XXXX XXXX XXXX XXXX Georgia [ XXXX ] I kindly request that you update your records to reflect my opt-out preference promptly. 
Furthermore, I request that you notify all affiliated credit reporting agencies about my decision to opt out, ensuring consistency across the board. 
Please acknowledge the receipt of this opt-out request in writing within XXXX XXXX of receiving this letter. Additionally, please provide a written confirmation once my opt-out status has been processed.
Consumer complaint received 2024-01-13
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. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures.
Consumer complaint received 2024-04-29
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-03-21
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. (CA)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (FL)

Please see attached PDF document. 

Overnight XX/XX/XXXX, more than {$400000.00} illegally stolen from my business checking account at Regions Bank in XXXX, FL via unauthorized ACH transactions. No one contacted me to verify transactions, no one at Regions stopped the illegal theft. 

I contacted Regions Bank Fraud department immediately XXXX ET Friday XX/XX/XXXX when discovered theft had occurred. Regions Bank has failed to reimburse, spent almost ( XXXX ) months being jerked around telling me Regions Fraud Department was trying to recover stolen funds. Regions Fraud should have immediately canceled ACH transactions, refused to do so. 

XX/XX/XXXX I hired an attorney. XX/XX/XXXX submitted complaints to XXXX XXXX XXXX Theft Department and submitted filing on XXXX website . 

No one is getting anything accomplished to return my funds.
Consumer complaint received 2024-05-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo was found to have illegally assessed fees and interest charges on auto and mortgage loans, misdirected loan payments, and wrongly repossessed consumers cars. The bank also sprung unlawful surprise overdraft fees on its customers and tacked on other incorrect charges to checking and savings accounts. I believe I was effected in all of the things Wellfargo did to there consumers and should have been a person in the settlement but can not get the company to answer.
Consumer complaint received 2023-12-11
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX Balance : {$8.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to file a formal dispute regarding a merged identity file issue that has resulted in significant inaccuracies on my credit report maintained by your agency, which directly contravene the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 
Upon reviewing my credit report and signing into my Equifax account portal online, it has come to my attention that my personal information has been erroneously combined or merged with another individuals information, thus violating 12 CFR 1022.3s definition of identity theft. This merging of files has led to incorrect and misleading data, affecting my creditworthiness and potentially violating my rights under the FCRA. 
The inaccuracies present include, but are not limited to : My personal information has been altered significantly, and the details reported under Personal Identification Information on my credit report inaccurately reflect my identity and creditworthiness
Consumer complaint received 2018-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

There are several companies involved in my dispute : XXXX XXXX XXXX ( which turned out to be a scam ), XXXX, XXXX, and now XXXX. A very long story short : I was enrolled in the Public Service Loan Forgiveness program ( so I thought ), and was misled by the first three companies who told me that all of the payments I was making ( including in the Standard Plan were part of the necessary qualifying plan. XXXX claims they will only count 11 payments I have made toward the program instead of the 5 years worth that should be counted. It even states directly on the XXXX   website that the Standard plan is a qualifying plan for PSLF.
Consumer complaint received 2024-05-25
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: Velocity Portfolio Group (CA)

I have requested validation of debt at least 10 times they send me a reporting debt was verified, but they dont tell me how it was verified or do not show any proof that my debt is valid. This is fraud and I am unable to move forward in any of my professions and personal goals of a home because of these
Consumer complaint received 2024-05-25
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: HUNTINGTON NATIONAL BANK, THE (MI)

I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting. See screenshots for proof of inaccurate information.