davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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. (VA)

I have been in the dispute process with XXXX XXXX XXXX XXXX Experian Credit Reporting for months. Initially I began my disputes with detailed letters explaining several FCRA violations that XXXX is in violation of and how the most important one according to " CFR PART 1022 ( REGULATION V ) ''. In addition to several other FCRA law violations that XXXX XXXX XXXX is in violation of the one I am bringing up is the consumer right to " opt-out ''. I was never provided any opportunity to opt out of public information sharing or third party information sharing by the creditor XXXX XXXX XXXX. I sent them several letters explaining this law and they refused to acknowledge their violations and the breach of consumer privacy. Furthermore they sent me a copy of a contract of which I reviewed and yet there still was not any opt out form or any form bearing my wet ink signature, XXXX XXXX XXXX wet ink signature, or any third party non-affiliate signature allowing my personal private information to be shared. After recognizing letters were not working I began disputes with Experian directly. Since XXXX of XXXX until current all my disputes have been verified as accurate. I even filed a FTC identity theft report and the account still got verified as accurate. On XX/XX/2024 I called Experian directly specifically the fraud department and asked how is this account being verified as accurate and what paperwork or documents are being provided to you all to verify the account. To my dismay the representative responded and said they do not conduct an investigation, that they send the request to the creditor and the creditor has thirty days to respond. I asked how can you all report an account that impacts my personal life when you all do not review any documentation or contracts and verify that it coincides with federal law. I was told that everything is through the creditor. I requested to speak with an Experian XXXX XXXX with whom they connected me to a woman by the name of " XXXX ''. I asked the same information, she very dismissively stated the same as the representative had before and claimed Experian does not conduct any investigations nor reviews documents or contracts for validity in accordance to FCRA law but pretty much they just take the creditors word for it and reports anything. This has caused me emotional and financial strain as it has impacted my credit score, opportunities to obtain credit, jobs and more. XXXX XXXX XXXX is creating deceptive contracts and violating FCRA and consumer privacy laws as is Experian Credit Reporting.
Consumer complaint received 2024-04-12
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. (AL)

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

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

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-04-12
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. (SC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CO)

Request for Immediate Removal of Specific Transaction History from Credit Report I am writing to demand the immediate removal of all transaction history, payment history, and related balance information for my DISCOVER BANK account tradeline, as currently reported by XXXX and XXXX. This request is grounded on multiple violations of my privacy rights as protected under various federal laws and regulations. 
Firstly, the reporting of my personal financial information contravenes the Privacy Act of 1974, which safeguards personal data against unauthorized disclosures. Secondly, 12 CFR 1022 ( Regulation V ) mandates the protection, proper disposal, and accuracy of consumer information, which your records have failed to uphold in my case.

Additionally, the Fair Credit Reporting Act ( FCRA ), under 15 USC 1681 and 1681 ( b ), requires consumer reporting agencies to ensure that all data reported is accurate, verified, and disclosed solely for permissible purposes with the explicit written consent of the consumer, which I have not granted. 
The XXXX XXXX ( XXXX ), particularly sections 6801 through 6805, further underscores the obligation of financial institutions to protect the privacy and security of consumer non-public personal information. It explicitly states that any identifiable financial information, which originates from a transaction, or any service provided, should not be disclosed without explicit written consent which I have not given.

Furthermore, 16 CFR 313 and 313.7 outline the regulations for the privacy of consumer financial information and affirm a consumers right to opt out of information sharing. These sections provide me the authority to request the cessation of information reporting as has been improperly handled in my case. 
Given these substantial legal breaches, I insist on the prompt removal of the aforementioned information from my credit report. I expect a written confirmation and an updated credit report showing this removal within 30 days of receipt of this letter. Please be advised that failure to comply with these requests may compel me to take further legal action to protect my rights and privacy.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

As explained in prior CFPB complaint, a close out check in amount of {$4200.00} was intercepted by another party while I was on vacation in XXXX of XXXX. A prior check was mailed, a stop payment placed on it prematurely by Capital One rep { XXXX }, second check reissued while I was on vacation, sent via XXXX. Capital One rep by the name of XXXX requested I call, in which case, from past experience, Capital One reps leave a number to reach out but do not accept or return calls ... A message was left today, XX/XX/XXXX, no callback received.. Please note, a prior Capital One rep, XXXX XXXX, left a number to reach out, a total of seven messages left, none returned ... .She claimed she can not return calls while CFPB complaint is in process, which appears to be a lie, calls were never returned, even after CFPB complaint { XXXX } closed out ... .This may appear irrelevant ; however, it goes towards credibility., Further note, XXXX failed to send an affidavit, it was sent several years later, closed out, nothing further done in re.. Affidavit was closed out in error, Capital One reps refuse to reissue, despite their error in stop payment prematurely and failing to send affidavit when matter brought to their attention in XXXX of XXXX.
Consumer complaint received 2024-04-16
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation (GA)

Sir or Maam, One Main Financial had decided to constantly contact me numerous times without any remorse and empathy with the facts given over the phone by me earlier this month. I told them that it would be some changes and little payments due to a change of jobs, income, and hours on the current job. It seems the more the company knows about me, the harder they try to constantly harass me once they find out my number. Regardless, if they are doing their job by following the procedures, they are not permitted on the property by me. I have emailed and handwrote letters in a response. They seem to like confrontations and derogatory happenings around me, which is unprofessional and unacceptable behavior from the horrible XXXX XXXX representative that I last spoke with, which I could care less about even speaking to anyone in that company. Its bad customer service and I wish all of the pressure in return to that business.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (TX)

these companies have been notified to cease and desist all credit reporting and communication with the consumer. misuse of consumer report is a violation in accordance to FCRA. specific remedy has been demanded pursuant to 15 USC 1692c. ( c ) ( 2 ) failure to comply will result in legal action against all companies in violation.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 Ending : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 p
erson 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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, 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. (FL)

I tried several times sending Equifax an FTC report about fraudulent inquiries on my credit report and those inquiries are still there : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (IA)

On XX/XX/XXXX we encountered wire fraud with our bank account. We contacted Wells Fargo on XX/XX/XXXX informing them fraud was occurring with our account. Wells Fargo acknowledged the fraud and recalled two wires that were initiated on our account on XX/XX/XXXX in addition to 'freezing ' our account. Wells Fargo had knowledge on this date that fraud was occurring on our account. 

On XX/XX/XXXX we went into the Wells Fargo branch in XXXX, XXXX  and completed the visual verification as requested from a previous conversation with a Wells Fargo employee. The branch manager confirmed for us wires had been stopped and that our account had been 'frozen ' to ensure no further fraud would occur. On XX/XX/XXXX Wells Fargo allowed another wire to occur with our account after we had been told our account was 'frozen ' and it was confirmed by the branch manager in XXXX that no pending wires were present on our account. 

Documentation has been requested on numerous occasions from Wells Fargo in regards to the following : 1 ) Call dates/times for the period of XX/XX/XXXX - XX/XX/XXXX in which we communicated with Wells Fargo on the fraud occurring. 

2 ) Text dates/times in which Wells Fargo communicated with us showing when wires were initiated. We were provided information on the wires for XX/XX/XXXX but Wells Fargo has withheld information on the XX/XX/XXXX wire. 

XXXX ) Account documentation reflecting the account being frozen and the date & time in which this occurred. 

This information has been requested previously on the following dates : 1 ) XX/XX/XXXX in the XXXX branch requested with the branch manager. 

2 ) XX/XX/XXXX in the XXXX branch requested in a phone conversation with XXXX & also with the Regional Executive. 

3 ) XX/XX/XXXX - with the Executive Complaints Office employee XXXX, some documentation was provided by XXXX to us but only for the XX/XX/XXXX text dates. 

No further documentation has been shared with us to support Wells Fargo allowing a wire to occur from a 'frozen " bank account. Additional documentation is available from us to support our calls, branch visits and emails with staff at Wells Fargo. 

We have requested in person review of the documents to help us in understanding why Wells Fargo acted in a manner of flagrant disregard, lacking in consumer protection and privacy processes by allowing fraud to continue on our account.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (NC)

I opened a new checking account with Regions Bank. I used the link to Regions Bank, copied and pasted the coupon code to get {$300.00} bonus. After successfully completing the requirement, the bank refused to pay by saying they didn't see the coupon code applied to my application. I email them the screen shots that I took. They still refused with the same reason.
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: FIRST NATIONAL BANK OF OMAHA (KS)

I applied for a checking account online with first national bank of Omaha on XXXX XXXX. Within 24hrs my account was open. I went into the branch to ask questions on the new account and to get a instant printed debit card, I was told I must wait for one to be mailed to me since the account was open online, fair and I under stood. I called the next day, XXXX, to see if/ when my debit card will be mailed off. I was told it hasnt been mailed and there was a block placed on my account and that I needed to visit a branch to identify myself and show my ID/ Driver license. I went to the XXXX, KS branch on XXXX and presented my Drivers license to the male teller/banker named, XXXX. XXXX approved that I had ID myself and sent a email to Fruad prevention department stating that customer can in and presented ID as requested and hold-block can now be removed. XXXX stated he would call me back later once he heard back from the Fruad Prevention department. XXXX called me at XXXX, XXXX, and stated the Fruad prevention department approved to left the hold on there end but a branch manager would have to do it, at that time, a manager was not available and he would follow-up with me on Monday, XXXX. I got a called from XXXX on Monday, XXXX, XXXX stating that his manager would not remove the hold. No reason was given, and I requested to have to manager call me. I was told the branch XXXX, XXXX, would call me as soon as he was done with a customer. The manager never called me so I had to call him several times. After talking to the manager it was discovered what he telling me was misleading info and discrimination opening the account. I following direction on what I do to ID myself, and they chose to lie because of who I was. 

I was told by the branch manager, XXXX, that the bank is no longer taking applications online. As of today, XX/XX/2024, I see the bank is in face taking and opening new account online. Another lie told my the bank!!
Consumer complaint received 2024-04-12
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. (OH)

These inquiry were not initiated by me, and I did not gave any consent to create those inquiries. I kindly ask that you conduct a thorough investigation and remove them from my credit report accordingly. I have provided documentation to support my claim.
Consumer complaint received 2024-08-06
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. (FL)

I have attempted several times to resolve this matter directly with the furnisher but never received any communication from them and asked to delete these inquiries to Equifax and the inquiries continue on my credit report and they are harming my ability to obtain new credit. 

XX/XX/XXXX, XXXX Bank XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2024-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-12
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-13
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 (LA)

On XX/XX/24 my car was stolen along with my wallet. I notified my bank as soon as I was made aware of the fraudulent activity to report it and use the lock feature. They said they couldnt file a claim yet, but to call back once the money had posted. At this point, a police report had already been filed. On XX/XX/24 the claim had been made. On XX/XX/24 I went into a physical regions location to get a new card but they said they werent able to do it at their location and I had to go to another branch. I went to a different branch a day or so later to retrieve a new card. The bank said on XX/XX/24 that they closed the claim out because I had told them that I was the one who used the card at the gas station, I authorized the charge and that I still had the card in my possession. I never said any of that and Im happy they have it on recording if you need to request it. What do I need to do to reopen this claim to get my money back? Regions will not open another claim for me. I have a police report, I reported my card stolen multiple times with the police as there is a supplemental report as well and with the bank.
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

I received an alert today, XX/XX/XXXX, about a new collection on my credit. I checked and found a collection agency called MIDLAND CREDIT MANAGEMENT. The original creditor was XXXX XXXX XXXX XXXX for {$1000.00} for an account opened on XX/XX/XXXX for a one-month term. 

I XXXX  the company but found it was in XXXX. I never opened such an account, nor did I collect money from any company on the date mentioned. I believe this is an identity theft issue, and I want it resolved. 

I called XXXX and was asked to file an Identity Theft report.
Consumer complaint received 2023-12-05
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. (FL)

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 2023-11-03
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. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.