davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

I have sent a letter to the credit reporting agencies. Equifax, XXXX, and XXXX. 

I have sent letters asking for a reinvestigation of accounts in question on XX/XX/year> in accordance with FTCA Public Law 91-506 requesting validation and information of the individuals they verified the information with. 

I have not received the results of the investigation or if the investigation has even began and has now been over 30 days. I sent a follow up letter via certified mail demand to comply with yet no response. 

The credit companies are not complying with their own policies in a timely manner. 

I ask that they remove the accounts in my letters immediately.
Consumer complaint received 2023-05-19
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: EQUIFAX, INC. (OK)

HI 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 2024-01-23
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These was never late ( DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX, and DEPT OF EDUCATION/XXXX  XXXX ). data furnisher made an error when recording payment. They are aware of issue and agreed to remove negativity. also please check that account is not untimely inaccurate incomplete or unverifiable. please see attached docs
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

On or about XX/XX/XXXX I purchased an XXXX  from a company called XXXX XXXX. There were two charges for this purchase, one was for {$330.00} and the other was for {$440.00}. There are 2 disputes one is XXXX and the other XXXX. 
My mechanic attempted to install the XXXX in my vehicle on or about XX/XX/2024. All sorts of warning lights went off in the car. XXXX XXXX was notified and issued a warranty return. On or about XX/XX/XXXX the XXXX  was tested by XXXX XXXX and they said there was nothing wrong with the XXXX In fact they stated that the problem was with the vehicle. The XXXX was returned and it was reinstalled by my mechanic. The vehicle was road tested and would not shift out of first gear and would not exceed a speed of XXXXXXXX XXXX I then called XXXX XXXX and asked for my money back, they refused. On XX/XX/2024 it was decided to order an XXXX  from the XXXX dealer. On XX/XX/2024 XXXX XXXX programmed the new XXXX put it in the car and the car operated perfectly. No warning lights and the car shifted perfectly. Disputes for the charges were filed with Citi in XXXX. They evidently closed out the disputes and reversed the charges on XX/XX/XXXX. After the company in question submitted a very minimal reply. No chance was given to submit any documentation instead they sent out a letter stating I could submit further documentation but only gave me 17 days after the letter to do so. They also duplicated the letter for XXXX but did not create one for dispute XXXX.
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Record type XXXX XXXX bankruptcy XXXX Date filed XX/XX/2020 Date resolved XX/XX/2020 Reference number XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Check Recovery Bureau, Inc. ()

Notified via email from collection agency agency. Notification did not provide ( 4 ) Instructions for a reasonable and simple method by which the consumer could opt out of such communications ; and violating Official interpretation of Paragraph 6 ( d ) ( 4 ) ( ii ) ( C ) ( 1 ).

The document attached to email provided simple method to verify or dispute debt but not to remove email as commination method.

In addition authorization for email contact was revoked from " original creditor '' prior to notification from collector as this is a shared email. Violating number 3 of same regulatory article.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

Fraudulent inquires : TD AUTO FINANCE Finance/Personal Inquiry : XXXX. XXXX, 2022 ( XXXX ) XXXX + XXXX XXXX XXXX XXXX XXXX. XXXX, 2022 Automotive + ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2022 Finance/Personal ( XXXX ) XXXX + CAPITAL XXXX VIA DEALER Inquiry : XXXX. XXXX, 2022 Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, 2022 ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, 2022 Finance/Personal ( XXXX ) XXXX
Consumer complaint received 2024-05-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

on XX/XX/XXXX, I went to the branch and got a money order for my XXXX totaling XXXX. Later in the evening, I realized, while looking at my account, that the bank had charged XXXX  for the same amount of the money order on XXXX, XX/XX/XXXX I went back into the branch to alert them about the error and was told that this would be taken care of and that the funds would be refunded on the following XXXX. On XXXX, the funds had not been refunded. On XXXX I called the branch again to get A status update and was told By the manager that the money order they had sent sent to back office or higher up had already been cashed and were processing the other money order in that this was another mistake that was made in Correcting the bank error. She confirmed that the XXXX  order had not been cashed and that it should not take long for a refund. After waiting XXXX  days, I called to get another update and was told that there was an email that was sent and that they were waiting for a response, The manager was out on XXXX  leave and that I needed to contact their acting manager for status. I was told by the bank tell her that I Should stop calling every XXXX  because its not going to change the outcome and She sees over XXXX customers every XXXX  XXXX  and unfortunately unfortunately shes sent an email but thats all that she can do. When I asked for someone to call me Who would be able to give me a better answer and an update on my refund? l, I was told She was not authorized to give me any information. She suggested that I call the active manager who is at a different branch. I called that branch XXXX times and no one answered. I called the XXXX XXXX customer service line and was told that because it was a money order that it has to be refunded by the branch location itself through a manager, and that online customer service are unable to cancel a money order, even if it has been verified that it has not been cashed And asked me if I wanted to be transferred to the branch. A little before XXXX I called the branch again with my cell phone number, and no one answered. I called from my work phone and the phone call was answered. I asked if the XXXX was there and was told that she had already left for the day and that she would be at the branch the next XXXX, but would In and out So not really sure when I would be able to speak to her. I was informed that she was aware, and that the regional manager was aware and that they were trying to figure it out. I gave my number again To receive a phone call hopefully XXXX. This XXXX, will make XXXX weeks that they have held my funds While correcting their own bank error with no status update on whether or not someone is working on the refund itself.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (GA)

CREDIT REPORT FILE GENERATED ON XX/XX/2024 REPORT # XXXX.THE PERSONAL INFORMATION PROVIDED ON THE CREDIT REPORT IS INACCURATE, LATE PAYMENT ACTIVITY SHOWS INCONSITENCY IN ALL THREE Bureau.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a Capital One credit card with XXXX XXXX on XXXX and after a few hour i was told that my application was denied without any further explanation, I have very good credit and my application ( Securities ) are gon na be traded on the secondary market without my permission, if they don't extend me credit or send my application ( Securities ) back to me Im reporting that company for SECURITIES FRAUD. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-01-23
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Name : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-08-18
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. (CA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-06-06
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The addresses I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following INACCURATE ADDRESSES. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX.
Consumer complaint received 2024-05-07
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Texas Laws Hey, CAPITAL ONE I'm reaching out regarding a clear breach concerning the unauthorized reporting of information to my credit report, as validated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Texas Finance Code Sections 392.301 and 392.305, and identity fraud laws, notably Texas Penal Code Section 32.51 . 

It's been brought to my attention that CAPITAL ONE has proceeded with unauthorized reporting to my credit report without securing my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a non-negotiable prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Texas state law, particularly Section 392.301 of the Texas Finance Code, stresses the need for consumer consent for credit reporting. Moreover, Section 392.305 of the Texas Finance Code lays out precise guidelines for the fair reporting of consumer credit information. Concurrently, identity fraud laws, like Texas Penal Code Section 32.51, highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I haven't provided consent for CAPITAL ONE to report any information to my credit report. This glaring absence of explicit permission constitutes a flagrant violation of my rights, potentially damaging my creditworthiness and demonstrating a clear disregard for federal and state laws. 

I demand, with unwavering certainty, that CAPITAL ONE immediately halt any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the specified 30-day timeframe will be seen as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I want to emphasize that obtaining consent isn't a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This isn't up for negotiation ; it's a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting. 

I look forward to your immediate attention to this matter and trust that CAPITAL ONE will swiftly address these egregious violations, honoring my rights under federal and state laws. 

Regards,
Consumer complaint received 2023-04-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (CA)

about a month ago i received an email from ally that my online access is restricted, they asked me to call them which i did, the agent i talked to wasn't nice and ended up hanging up on me! ever since i tried to reach them out but most of times i had the same experience, last time i called was a week ago, the agent hung up after XXXX minutes! 
i raised a complaint to XXXX and i got a response 10 days ago, they told me that they closed my account on XX/XX/XXXX ( they didn't notify me via email or phone ) " On XX/XX/2023, we closed your Online Savings Account ending in XXXX, and the funds in the amount of {$2500.00} were placed in a holding account and will be processed in accordance with any instructions received from the bank it was drawn on and in compliance with the law '' now im not a big fan of Ally and i really couldnt care less about me being their customer, but i need my money, and i havent received a check from them yet and them saying that my funds will be processed in accordance with any instructions received from the bank it was drawn on and in compliance with the law isnt answering my concern, HOW AM I SUPPOSED TO GET MY MONEY BACK? the funds were withdrawn from XXXX to Ally, and unfortunately paypal cant help me because i authorized the payments, all i want is my money back! 
upon checking online, apparently this problem isnt new, but most people reported receiving a check after having their accounts closed, i didnt and Ally i refusing to send XXXX or even give me details on how i can get my money which is frustrating, Oh and their XXXX fraud team is definitely not a professional one, i have been sending emails to them via their secure mail system and i never heard back!
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My checking account had fraud occur. I called and they froze the account and opened a new checking account. The person I spoke with ordered checks for the new checking account. The fraud account was a joint account. An account with only my name was opened. The checks arrived with my name inccorrect on them. The checks are printed with the name XXXX XXXX XXXX. It should be XXXX XXXX XXXX. My husband 's name is missing. I called and each person told me I would have to go the a branch to fix this. I went to the branch which is 50 miles from my home. The branch manager told me she could not give me my money back for the cost of the checks original wrong checks. She stated I would have to call customer service to request that money back. She ordered new checks and added my husband to the new account. She told me I must pay for the checks and pay the expedited amount to get the checks quicker. The reason being that I waited over 2 weeks to get the first wrong checks and I need voided checks showing the new account for some of my bill payers. I attempted to call today to get my money back on the wrong checks and the automated system keeps hanging up on me. I just want a refund of the cost of the original printed incorrectly checks. The amount charged was {$31.00}.
Consumer complaint received 2024-05-06
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 recently reviewed again my XXXX, Equifax and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I have continuously disputed a fraudulent debt with Citizens Pay. I no longer contracted with the company due to their breach of contract against me. I disputed the information on my credit report that they are unlawfully reporting as a negative account and past due. I have called citizens pay and their third party XXXX equipment to cancel the contract and take all the equipment back per their contracts. They failed to allow me to close and refuse all contracts and are negatively reporting on my credit file. I do not owe this company anything since my attempted cancellation of their product and service due to the continuous breach of contract. This needs to be removed off my credit file and they need to come take the equipment back since I do not owe this corporation anything and they should not be impacting my credit due to their fraud. They are practicing deceptive practices and fraudulently reporting to my credit file. This account must be removed off the credit file.
Consumer complaint received 2024-01-23
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.