davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

LexisNexis is reporting an alleged bankruptcy. I would like the verification of this alleged bankruptcy. LexisNexis does not have my written consent to report any such information and this is a violation of my right to privacy. LexisNexis must stop report this such information immediately or I will sue.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was told by each of these financial institutions that by law I was NOT ALLOWED to opt out of them reporting my non public personal information to a non affiliated party. In all of their privacy statements it clearly states i have the right to opt out which is also my right as a federally protected consumer, per the Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ). Since prior correspondence has gone ignored this complaint will serve as notice that reads as follow. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or non verbal indefinitely as is my federally protected right among other rights granted to me. 15 USC 6802 Obligations with respect to disclosures of personal information ; 17 CFR 162.6 - Reasonable opportunity to opt out ; 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third parties.16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time ; 12 CFR 1016.1 - Purpose and scope ( a ) ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure.
Consumer complaint received 2024-05-14
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: EQUIFAX, INC. (AZ)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2024-05-14
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: EQUIFAX, INC. (FL)

Thank you for addressing the errors previously identified in my credit report. However, I am not completely satisfied that you have adhered fully to the requirements of the Fair Credit Reporting Act during your review. It appears that certain accounts still require appropriate action to ensure the highest level of accuracy on my credit file. Consequently, I request a re-investigation of the items listed below : XXXX XXXX XXXX Balance : {$1100.00} & XXXX XXXX XXXX Balance : {$35000.00}. Should your re-investigation fail to verify the accuracy of the disputed account information that I believe is incorrect, I request that these records be updated immediately. Additionally, I would appreciate it if you could provide a detailed explanation of the methodology employed in verifying the accuracy and completeness of the information, to the address provided above.
Consumer complaint received 2023-12-19
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/18 around XXXX XXXX i had purchased an American Express XXXX $ goft card. I loaded it up with {$62.00} and it cost {$6.00} to purchase. So {$68.00} in total. I got the card waited an hour like i was supposed to. I had tried to make a purchase a little after XXXX. It was declined. Ok. So i waited a bit more. Tried a few times between XXXX and XXXX. Still declining. It is now currently XXXX and it still is not working on XXXX XXXX XXXX XXXX XXXX at all. XXXX has a pending XXXX XXXX on it. And now its just stuck like this. 

I called customer service around XXXX. Gave him the details of the amex card, explained my problem amd was told that the merchant on XXXX doesnt take amex ( which is bull as the seller clearly states amex is perfectly fine to use ). Customer service did not help me at all. He didnt give me a solution but said the card was Active which i already knew as i can see its status on the website. I tried a few more times to purchase around XXXX. Also still declined. Not only that but the card is showing as expired when i tried on XXXX ( XXXX XXXX ). 

So basically im out nearly {$70.00}, can not get a friend a gift ( as the sale ends on XXXX XXXX tomorrow  ), i can not get what i planning to purchase either because of this. I never have a issue with Visa cards. But this Amex gift card has given me problems that shouldnt be an issue. Im not sure if i have to wait 24 hours or what. Ive waited the initial hour and the 4 hours that are in the TOS pamplet and it still doesnt work.
Consumer complaint received 2024-05-14
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: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-08-03
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-14
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. (NY)

I'm sending this complaint to inform the credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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
Consumer complaint received 2024-05-14
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. (IL)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2024-05-14
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. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$550.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-02-29
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. (IL)

I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.
Consumer complaint received 2023-09-17
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: STATE BANK OF INDIA - NEW YORK BRANCH (NY)

On XX/XX/XXXX 2023, I faced harassment and loss of value of currency at the hands of XXXX ( State Bank of India ) 's branch in New York, NY. As is stated in many sources, and likely in XXXX 's literature itself, XXXX converts XXXX notes into other notes that will not cease to have value after XX/XX/XXXX. The only case where they may not be guaranteed to do so under the direction of the XXXX could be when 10 or more notes in a single day are presented for conversion/deposit/foreign currency conversion. In my case, it would have sufficed to receive either of U.S. currency or " XXXX '' notes or perhaps anything similar in exchange for a single XXXX I presented to XXXX on XX/XX/XXXX. 

However, a wicked and disgusting man at XXXX told me to convert such note in XXXX instead. Such man gave me blatantly false information that they " only deal in dollars '' when they do not. 

Based upon these events, I demand that XXXX send to me a check in the amount of {$25.00}, which is the approximate amount of the " XXXX '' note they have refused to convert. If they do not, aside from the fact I reserve all rights, I direct the CFPB to shut down entirely all of XXXX 's physical branches and activities in the state of New York. 

I also direct the CFPB to forcibly and permanently eject the man, who directed me to go a far away country to do his job for him, from the United States, so that he can not tell people he doesn't like to leave the United States.
Consumer complaint received 2024-05-14
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. (UT)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XX/XX/XXXXXXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX XX/XX/XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXXXXXX Account Number : XXXX Account Name :XX/XX/XXXXXXXX Account Number : XXXX Account Name : XX/XX/XXXXXXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXX XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-05-14
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. (VA)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tiffany & Tiffany PLLC (VA)

I am writing to address a matter of concern regarding the recent XXXX in XXXX that I received from your firm regarding a debt owed to XXXX. 

I acknowledge the debt in question and am willing to work towards a resolution. However, I am seeking clarification on a few aspects of the process that have left me confused and concerned. 

Firstly, I was surprised to see attorney fees listed in the XXXX in XXXX. My understanding was that if a collection agency is involved, I would have received a notice prior to legal action. Unfortunately, I never received any such notice, and this has left me uncertain about the process. 

Additionally, I attempted to log in to the provided website using my personal information to gain more information and explore potential payment plans. Unfortunately, I encountered difficulties and received a message indicating that I can not log in. This has further contributed to my confusion and concern, especially considering a past experience with a scam. 

For your reference, the details of the debts outlined in the XXXX in XXXX are as follows : XXXX in XXXX # XXXX : {$500.00} for the debt plus {$120.00} for attorney fees. 
XXXX in XXXX # XXXX : {$260.00} for the debt plus {$66.00} for attorney fees. 
While I fully acknowledge the debt and am open to resolving this matter through a payment plan, I seek your assistance in clarifying the following : Can you confirm whether this firm is acting as a collection agency or representing the bank in legal proceedings? 

Is it possible to receive detailed information about the debts and a breakdown of the attorney fees incurred? 

How can we proceed with setting up a payment plan given the absence of a prior notice and the technical issue with the website login? 

I understand the importance of addressing this matter promptly and am committed to finding a resolution. Your clarification and guidance on the above points will be highly appreciated. 

Thank you for your attention to this matter, and I look forward to your prompt response.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (TN)

On XX/XX/23 my Regions account was put on hold due to fraud prevention. I was told that I would hear something back in a couple of days concerning the incident. I never heard anything back. I called the bank back 10 days later. Giving time for everything to be resolved and I was told that the account would be closed but there was nothing in the system stating when. On XX/XX/23 I reached back out the Regions bank about the account, because I am in need of some type of verification that this account is not valid in order to receive benefits. I was told that I would receive a call back on XX/XX/23 which I did but I they were not able to give me anything. I asked how long this process will take because I am really in need of something stating that this account would be closed and the money in the account is not accessible to me. I was given no answer. I have done nothing but cooperate with the bank the whole time. It's really horrible that they will not close the account or give me the verification that is need in order for my family to receive benefits. There should be a time limit on investigating fraud. My family should not have to suffer over an issue I had nothing to do with.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2024-05-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Global Credit & Collection Corporation (AK)

On XX/XX/XXXX I went into XXXX XXXX XXXX in hopes of setting up a new bank account with my husband. I was notified by the remember, I was speaking with that I was not able to do this due to the amount of money I owed to global credit union. I was not aware I owed any money to global credit Union so I immediately made a phone call over to their office. I was speaking with a male who told me that my account, had a negative balance of around {$1300.00} due to XXXX checks being deposited back in XX/XX/XXXX. I asked if there was anything to dispute this the only thing he could tell me was that this was XXXX XXXXXXXX not global. He said there might not be anything global can do as a company because its been over XXXX months. He told me he would put together a debt validation packet so I can get this disputed, I have never received that. I called the office XXXX weeks later in hopes to get this packet. I spoke to another team member And was told she was going to push this higher up in hopes to get this resolved. A few weeks after this, I received a phone call from XXXX XXXX, manager for the collections department Who told me she was working on it and getting together all the documents she needs to be able to dispute this. XXXX weeks later I got another phone call from her on XX/XX/XXXX she explained to me the situation on how XXXX checks were deposited the same day the first one being a remote deposit in pending status the second one being me going into the office, speaking to a teller, depositing the check in person. I asked her why the teller didnt tell me that there was A remote deposit and why he continued to follow through with the in branch deposit and she had no answers for me. I asked her why I didnt have the overdraft protection on my account as well and she told me it couldve been a fee structure change between XXXX  XXXX XXXX and global so she wasnt really able to give me any more information.
Consumer complaint received 2023-09-17
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. (TX)

I submitted a second dispute with the CFPB on XX/XX/2023 and the investigation was returned back with the same information on the credit file. It is very clear that no investigation was completed and they are willfully disregarding the law. I have attached the information for further review.
Consumer complaint received 2023-11-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I applied to refinance my car loan. Was approved and contacted by CapOne to complete the process. They contacted my lender with me on the phone for a 3-way call to verify payoff amount. At the conclusion of that call, my current lender and I were assured by CapOne the payoff check was in the mail and that I should look forward to a welcome packet in the mail. I signed not one but two contracts, and was told everything was good, nothing else I needed to do. After a few days I received an email to contact them. When I contacted CapOne they now tell me they don't do refinances on 'title loans ' despite the name of the lender being 'Discount Title Loans ' during the entire negotiation and 3-way call. At best this is incompetency, at worst it is out right lying and deceitful. I've had probably 5 car loans with CapOne over the last twenty or so years and still like the company, but this situation was completely mishandled and now not only can I not get the requested refinancing, but they want me to eat the credit inquiry when the deal fell through on their side not mine. I went and paid off the loan today, I only want the refinance to build a little credit, but since neither is the case at this point, I'd like the hard inquiry removed from my credit.