davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

Subject : Lack of Disclosure under 15 USC 6802 and GLBA - Request to Opt Out Navy Federal Credit Union I am writing to address a critical matter regarding the disclosure of my personal information to third parties, as required by 15 USC 6802 and the Gramm-Leach-Bliley Act ( GLBA ). I recently discovered that Navy Federal Credit Union failed to provide me with the necessary disclosure under these regulations, which grants me the right to opt out of having my information reported to third parties. 
Under the provisions outlined in 15 USC 6802 and the GLBA, consumers are entitled to receive clear and conspicuous notice about their ability to restrict the sharing of their personal information for marketing purposes. Consumers must also be provided with a reasonable opportunity to opt out of such sharing. 

Unfortunately, I was not properly informed of this opt-out option or provided any means to exercise my right to restrict the reporting of my personal information to third parties. This omission not only violates my rights under federal law but also erodes the trust I have placed in your corporation to handle my personal information with care and diligence. 

I hereby request that you rectify this situation promptly by providing me with the required disclosure as mandated by 15 USC 6802 and the GLBA. Furthermore, I exercise my right to opt out of any future sharing of my personal information with third parties for marketing purposes. It is crucial that my information is not disclosed or shared with external entities without obtaining my explicit consent. 

I understand that specific procedures or forms may need to be completed to effectively opt out. Kindly furnish me with detailed instructions and any relevant documents to ensure a smooth and expedient process. 

I trust that your corporation acknowledges the seriousness of this matter and will take immediate action to ensure compliance with the applicable laws and regulations. I appreciate your prompt attention to this issue and anticipate a timely resolution that upholds my rights as a consumer. 

Please acknowledge receipt of this letter within [ number of days, typically 10-14 days ] and provide a written confirmation of the steps taken to address my concerns. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution and to maintaining a positive customer experience with your corporation. 

Sincerely, [ Your Name ]
Consumer complaint received 2024-06-06
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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. 

XXXX : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX. XXXX : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, ( Original Creditor : XXXXXXXX XXXX XXXX ) : # XXXX, XXXX : # XXXX, 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.

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 2024-08-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

To Whom It XXXX Concern, My name is XXXX XXXX, and I am filing this complaint regarding the mishandling of my accounts by Citi Bank. My first case number with XXXX XXXX is : XXXX and the specialist name from the XXXX team is XXXX XXXX with extension XXXX. 

On XX/XX/year>, I began experiencing issues accessing my online banking services, receiving error messages indicating system delays. After waiting XXXX hours without resolution, I contacted Citi Bank 's customer service on XX/XX/year>, and was informed by the fraud department that there was a security alert on my account. I was assured that after verifying my identity, the issue would be promptly resolved. 

However, I was later informed that Citi Bank had restricted my accounts and intended to close them within XXXX days, and these accounts would be returned to me. This is particularly alarming as my savings account holds over {$2500.00}, which I urgently need for essential daily expenses and bills. All funds in my accounts were transferred from my XXXX XXXX XXXX  account via XXXX, and I have provided Citi Bank with documentation proving the legitimacy of these transactions. 

After being told by the case specialist that both of my accounts were completly closed the funds are being expedited to me I was only sent a check for the balance of my checking account, which was under {$8.00}, while my savings account with over {$2500.00} remains inaccessible. When I reopened my claim, I was informed that I needed to verify additional information to either expedite the return of my funds or regain access to my account. However, whenever I attempt to contact the fraud department, I am either placed on indefinite hold or told that a higher representative will assist me, but this never occurs. 

I have repeatedly provided all necessary documentation, including proof of legitimate transfers, to Citi Bank and have fully complied with their requests. Nonetheless, my funds remain withheld, and my attempts to resolve this issue have been met with delays and unhelpful responses from Citi Bank 's representatives. 

This situation has caused me significant stress and financial hardship, as I rely on these funds for my daily living expenses. I believe that Citi Banks actions in this matter are unjust and potentially unlawful. 

I am requesting the immediate return of my funds and a full investigation into Citi Banks handling of my accounts. I am prepared to pursue legal action if this matter is not resolved promptly. 


Thank you for your attention to this urgent complaint. I look forward to your assistance in resolving this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-06
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. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET XXXX XXXX  OR ALL ALLEGATIONS YET XXXX XXXX OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TN)

Mr. Cooper purchased my mortgage from XXXX XXXX XXXX XXXX XXXXXXXX of this year. My homeowner 's insurance payment was due XX/XX/year>. MrCooper did not make the payment until XX/XX/year> and XXXX canceled the policy. I looked online and found that MrCooper is notorious for being late with homeowners insurance payments made from the escrow account.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (TX)

On Monday XX/XX/XXXX I received a check from my previous apartment complex. I did a mobile deposit in the amount of {$1000.00}. I noticed the check did not clear immediately so I allowed it time to clear. the following day XX/XX/XXXX I logged into my bank and seen my checking account said access blocked I immediately call citi bank and they are stating the check is fraud because the address on the check does not match the one on file. I have given them the number to the company that issued the check and they said they cant call unverified numbers. the number given is the exact same number on the check. On XX/XX/XXXX I asked the company that issued the check to call citi bank and verify the check I was then advised by the company they successfully verified the check with citi bank. I then called citi bank and they said they still cant verify the number that called them so therefore they will not be giving me access to my funds and closed my account. the check is a valid check and citi bank is stealing my funds from me
Consumer complaint received 2024-06-03
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)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDNXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX - XXXX
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC. (RI)

In attempting to pay the bill in full my form of payment was not accepted confirming that my payment method was indeed a payment. Car recession was then attempted and the same result happened which was denying me of all my constitutional rights. Car repossession took place and the loan was filed as a write-off/charge off as bad debt. The balance should XXXX not XXXX, and this is also XXXX of many violations that occurred during my disputes with all three credit bureaus so this item is still in my credit report after my attempts to resolve all inaccurate information about me that isnt correct. 15 USC 1681 section 604 states that a consumer reporting agency can not furnish accounts without my written instructions. The initial contract with my signature is the original payment the company received for the purchase so I never received a loan and therefore this debt is null and void
Consumer complaint received 2024-06-06
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. (NY)

I recently received a copy of my credit report and noticed some errors. I've highlighted them in the attached copy for your reference. Here 's what I found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I'm requesting the removal of an inaccurate inquiry from my report regarding XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to the Fair Credit Reporting Act, I'm asking for an investigation into these items and their removal from my report. I understand that you'll need to verify these with the creditors who posted them. Please remove any information that can't be verified by the creditor. I'm aware that under 15 U.S.C. Sec. 1681i ( a ), you have 30 days to complete this reinvestigation upon receiving this letter. Thank you for your attention to this matter.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX & XX/XX/XXXX of this year, someone fraudulently withdrew {$2000.00} from my Bank of America checking account with my debit card in my possession. The bank verified the debit card was in my possession by asking for the XXXX when I filed the claim over the phone. They were rude to me, and even the lady on the phone sounded skeptical. Clearly, they haven't been trained enough to understand how debit card fraud works and how it's possible for someone to clone a card, and I felt I was fighting a losing battle from the very beginning based on the biases of this employee. I filed the claim on XX/XX/XXXX and quickly received a denial of my claim, and they closed my claim leaving me to pay for {$2000.00} in fraud caused by their lack of proper debit card/ATM security. I'm currently reaching out to state officials to further my complaint as we speak.
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (PA)

My credit report is showing a charged-off account by Victoria Secret XXXX This account should not be negatively impacting my credit. The account number is XXXX this account was a charge card, not only is this considered tax fraud I am requesting a 1099c form that was supposed to be issued to me VIA mail which I never received to make sure they are in compliance they are also violating FCRA 15 USC 1681eb for reporting information that is not XX/XX/XXXX percent accurate. Reporting a charge-off account must align with permissible purposes, if the account is being reported without meeting the guidelines that fall under 15 US CODE 1681b it must be removed immediately and permanently.
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX  XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$4400.00}.
Consumer complaint received 2024-05-15
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: EQUIFAX, INC. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, Equifax and TransUnion are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance Owed : {$130000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00}
Consumer complaint received 2024-08-08
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: Resurgent Capital Services L.P. (IN)

Accounts was not verifed, I never received an updated credit report. I was not notifed of any method used. Payment method was not verified, false information is on report.
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Moore Law Group (CA)

I am writing to formally lodge a complaint against The Moore Law Group, who is acting as a debt collector on behalf of XXXXXX/XX/XXXX I am experiencing significant financial hardship due to my current XXXX and am solely reliant on unemployment benefits from the XXXX XXXX Department ( XXXX ). 

On XX/XX/2023, I contacted The Moore Law Group to discuss a potential settlement for my debt with XXXX XX/XX/XXXX Following their instructions, on XX/XX/2023, I sent an email detailing my situation and providing documentation of my XXXX and unemployment benefits. Despite my numerous follow-up attempts, including multiple voice messages, The Moore Law Group has not provided a clear response. 

In my email, I explained that I am currently unemployed and facing severe financial difficulties due to my XXXX and recent hospitalizations. I outlined my debts, including judgments from XXXX XXXX and an impending judgment from XXXX XXXX, totaling over {$40000.00}. Despite these challenges, I am committed to avoiding bankruptcy and proposed a lump-sum settlement of {$4600.00} for my debt with XXXXXX/XX/XXXX XXXX This offer is consistent with the settlements I am negotiating with other creditors. Resolving this debt is crucial for my financial and mental health, and I am prepared to make this payment promptly if accepted. 

When I finally reached The Moore Law Group by phone, I inquired about the status of my settlement request and was told that it was denied. However, when I asked if the denial came from XXXXXX/XX/XXXX, who owns the debt, I did not receive a clear yes or no answer. Instead, I was given vague responses such as " the offer I made is not good. '' The objective of sending documentation and explaining my hardship was to have XXXX XX/XX/XXXXreview it and decide as the owner of the debt. 

Despite providing the requested documentation and a detailed explanation of my situation, The Moore Law Group 's lack of clear communication has caused significant stress and hindered my ability to resolve this matter amicably.
Consumer complaint received 2024-08-22
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: BARCLAYS BANK DELAWARE (HI)

Fraudulent Bar Charge Dispute with Barclays XXXX Submitted Fake Receipt and Made False Statements I am filing a formal complaint regarding a fraudulent {$300.00} charge that was placed on my Barclays credit card by a bar owner, and the subsequent mishandling of my dispute. 

On XX/XX/year> I visited XXXX XXXX and was charged {$200.00}, which I agreed to and do not dispute and then another {$300.00}, an amount that I did not authorize and which does not reflect the cost of my purchases. I was taken advantage of while under the influence of alcohol, and the bar owner failed to provide an itemized receipt, nor was I made aware of the charge at the time. 

Upon discovering the unauthorized charge the following morning, I immediately disputed it with Barclays. However, during their investigation, the vendor submitted a receipt for exactly {$300.00}, which I never signed, and no itemized receipt was provided. It is highly suspicious that the total would come out to exactly {$300.00}. 

Moreover, the vendor falsely claimed they did not notice that the receipt wasnt signed, implying that this was an oversight on my part, which is an absolute falsehood. This is clearly an attempt by the vendor to mislead Barclays and avoid taking responsibility for their actions.