davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, has violated my rights. 
I have already disputed these items but the bureaus did not remove them nor prove validation. 
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
Consumer complaint received 2024-05-20
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Hard inquiry ( Finance ) : XXXX  XXXX via dealer. 
XX/XX/XXXX Hard Inquiry ( Auto ) : XXXX XXXX XXXX XXXX. 
XX/XX/XXXX Hard Inquiry ( Finance ) : XXXX XXXX XXXX XXXX. 
XX/XX/XXXX Hard Inquiry ( Finance ) : XXXX XXXX. 
These Inquiries are negatively impacting my credit report & effecting my ability of accessing credit. the companies involved seemed to have discriminated against me, based on age & other factors. XXXX XXXX denied me access to my credit when i did not sign anything authorizing a pull. they stated denial based on credit history age. using the social security number for anything other than a financial transaction is not legal. XXXX XXXX, also pulled my credit without me signing any authorization, there app was confusing and it was the cause of the submission. i never wished to have them pull my social. i called them and asked to have it deleted and they did not comply. the denial based on credit history age is discriminatory. 
on XX/XX/XXXX i used XXXX while shopping. the site had a preauthorization for purchase, that stated no affect on credit profile. on XX/XX/XXXX, i went to XXXX XXXX XXXX & made a purchase with XXXX XXXX. Not sure why i have an inquiry from XXXX XXXX XXXX, if XXXX was utilized. XXXX  XXXX, i never contacted regarding myself. These inquiries are the direct result of concealment, discrimination & fraud. the reporting agencies refuse to help so i must come directly to the CFPB
Consumer complaint received 2024-04-06
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. (OH)

I HAVE PREVIOUSLY DISPUTED Account XXXX an alleged bankruptcy WITH YOU. AND IN RESPONSE. YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. I CONTACTED THE COURT. AND THEIR RESPONSE IS ENCLOSED. IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER ; THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. EITHER WAY. THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Hi, I had a checking account with XXXX a few years ago. XXXX sold the retailed bank business to Citizens Bank in XX/XX/XXXX and therefore the account was transferred to Citizens Bank. I forgot this account and had never received bank statements related to the transactions of this account from Citizens Bank until I revealed in XX/XX/XXXX. I called to their banking center to check for the balance and asked them to mail me the bank statement onwards. They mailed the first bank statement to me in XX/XX/XXXX and I realized they charged {$12.00} for the month ( {$9.00} maintenance fee and {$3.00} service charge ). I registered with the XXXX XXXX of Citizens bank and I realized they charged similar charges every month since XX/XX/XXXX ( total {$250.00} from XX/XX/XXXX to XX/XX/XXXX ). 

I called to Citizens Bank on XX/XX/XXXX for the refund of all these charges as I had never received notice from Citizens Bank regarding these charges or authorized them to take these charges from my bank account, Citizens Bank refused to refund the full amount ( {$250.00} ) but agreed to refund for XXXX charges ( i.e., {$38.00} ). We took the refund but verbally disagreed with their practice and notified them we would file a claim to CFPB.
Consumer complaint received 2024-01-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (NC)

My dad died ( XXXX XXXX ) XX/XX/2023 from XXXX i asked about the car loan i was told to continue to pay and keep car now that car was totalled i cant get any information about said car but i was paying for it my insurance paid it off if i dont matter send me a check for my insurance and my monthly payments
Consumer complaint received 2024-04-06
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. (DE)

I am writing to express my continued dissatisfaction and frustration with the outcome of my second attempt to remove fraudulent items from my credit file. Despite providing comprehensive documentation and following the necessary procedures outlined by your company, the response I received was inadequate and failed to address the severity of the situation. 

Moreover, the lack of transparency and communication throughout this process has been concerning. I have not been kept informed of the progress made, if any, nor have I been provided with a clear timeline for resolution. This has left me feeling frustrated and uncertain about the status of my credit file.

Assurance that measures will be implemented to prevent similar incidents from occurring in the future, including an evaluation of your company 's procedures and protocols for handling fraud-related issues. 
Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter further and seek assistance from regulatory authorities and legal counsel. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I've been receiving phone calls starting at XXXXXXXX XXXX. back to back multiple times I believe I counted as many as six calls before XXXXXXXX XXXX, when I answer the phone no one will speak I can hear background noise and voices in the background but no one ever acknowledges that I answered the phone. I have called to complain but they say initially they have not called until I say that I am making notes of this and have the call logs and are going to submit a complaint to consumer Finance protection bureau, then suddenly they are aware of the calls and sight technical issues or some other unknown issue. The phone calls however do not slow nor do they stop not speaking when I answer the phone. I have been receiving XXXX XXXX over the past few months, I do not believe that it is this company that is sending them, but when you receive XXXX XXXX alongside phone calls where no one will speak constantly it becomes unnerving and unsettling quickly. I have made my agreements known with the company to no avail and I'm now reaching out to my government for help. Is there anything that can be done about this? And should I contact an attorney about the harassment? I am afraid and unaware of what steps to take next about this issue, any help would be greatly appreciated. I will gladly give the call log history upon request because I think I have to pay to get a detailed list going back that far. Thank you have a nice day.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX my payment of {$230.00} was made to Capital One by XXXX  XXXX XXXX bill pay Capital One didn't record the payment until XX/XX/XXXX causing late fees. 
On XX/XX/XXXX I made a final payment that wasn't recorded until XX/XX/XXXX I have sent letters to Capital one in XXXX XXXX XXXX and XXXX XXXX XXXX in Ca., neither one has responded to me and now sent past due notices for interest and penalties I have used XXXX bill pay since it's inception and never had a problem of an 8DAY DELIVERY! 
Seems like a new revenue stream for the bank
Consumer complaint received 2022-09-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I have a home equity line of credit originally issued by Suntrust bank. XXXX XXXX  XXXX they offered me debt relief for covid. I took the covid relief they offered. Every three months I reapplied and was given relief.XXXX  XXXX  XXXX I was able to return to work so, I started paying the regular monthly installments. XXXX XXXX  XXXX, the bank became Truist bank. I received statements saying I was in arrears, spent the next 2 months trying to find out why, to no avail.Went to the local branch for guidance and was told I was in pre-forclosure. After many attempts to contact the foreclosure deep't, I decided to pay the arears. On XX/XX/XXXX, I paid XXXX dollars to the local branch.1 month later, they couldn't find my payment reflected anywhere in my account. Went to find out what happened and ran into XXXX XXXX, who is the regional supervisor for Truist and he put the wheels in motion.I was then informed by the branch manager, XXXX XXXX, that everything is suspended and they would let me know the outcome. checked back 1 month later and was told it was still suspended and to do nothing. XX/XX/XXXX I spoke to XXXX XXXX and was told that it still can't be found and I need to call the fofeclosure dep't and not to return to her branch, she will be out for 4 months.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Hello, I reporting Bank of Americas unwillingness to refund a fee. I was assessed a $ XXXX  Monthly Maintenance Fee on XX/XX/24 due to the time timeframe of my banking billing cycle and employers direct deposit not having correlating schedules. After exhausting all levels of communication regarding this issue, no progress could be made on a resolution. Its was stated that because the fee wasnt a bank error that it could not be refunded. 

I took time to understand how the fee was assessed and make the appropriate actions to avoid future scenarios. It is very disappointing that the bank is willing to understand the customers perspective and uphold the value of their customers assets with their company.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (MI)

On XX/XX/year> I looked at my bank account and noticed XXXX transactions with XXXX that I hadn't made. I called the bank right away to report the fraud. When calling the person I spoke to was over see 's and there XXXX wasn't the best. He ended up filling a dispute for around XXXX of the transactions. I kept trying to tell him there was many more. The bank refunded about half of the transactions right away. 

A few days later I called the bank back to let them know they missed a lot of the transactions that needed to be disputed. They once again sent me to a agent that was over see 's and didn't complete the claim correctly. He submitted for XXXX of the transactions. I then called a third time to have the remaining transactions disputed. 

I then had to call multiple more times to get the remaining transactions disputed and this is where my problem starts. I keep being told my claim is being denied for various response yet no one at the bank can explain why. 

Finally I seem to keep getting the same answer on why they won't do anything. The reason I am being given is they won't investigate the charges since I have made purchases from the merchant in the past. I told the bank that is 100 % true but that doesn't mean someone can steal my credit card number and make purchases with apple. 

I then went to XXXX and got a copy of my purchase history from the app store which is linked to my name and sent it to the bank. The bank has acknowledged they have it but refuse to answer the question of " if you don't see the transactions on my purchase history why are you not disputing them and refunding me my money for them. All the bank will say is that its the investigators decision and there is nothing they can do about it. I then asked the bank why are you rejecting part of my claim yet you approved part of the claim. They once again can give no answer to that.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PREFERRED CREDIT INC (NC)

After speaking with PREFERRED CREDIT customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customer 's consumer rights.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have submitted a formal dispute letter addressing inaccurate and unproven derogatory information on my credit report and kindly request a thorough review and correction in accordance with applicable regulations.
Consumer complaint received 2023-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAS LaVrar, LLC (GA)

I disputed items inaccurate on my credit report.This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS.
Consumer complaint received 2023-05-09
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. (PA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

XXXX XXXX XXXXXXXX Police and Fire FCU # XXXX XXXX XXXX # XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

I have reached out to equifax on multiple occasions the last year to CORRECT or delete the inaccurate information on my credit report. I have submitted PROOF directly from the companies that I filed bankruptcy and that these accounts are to have a XXXX balance or deleted from my report. I was sent information on letters stating that they verified it, but don't state how nor was any proof given. I was only told that it was verified through XXXX XXXX also that they purchased my info from them. They also advised me that they received this through third party public information. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means 1 did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report. 

YOU HAVE 15 DAYS FROM RECIEVEING THIS TO VALIDATE THIS OR ELSE REMOVE IT
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CT)

XXXX failed to provide me with statements, XXXX XXXX replacement and also updated the address from XXXX to XXXX. 

My XXXX XXXX eas canceled alone with check and other identifying documents. 

The company constantly reported me late and took advantage of the adverse situation. 

Rather to rectify the issue they keep sending generic letters.
Consumer complaint received 2024-01-26
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. (TX)

I am writing to bring to your attention the serious infractions committed by DataX, Ltd regarding the accuracy and privacy of consumer information, as mandated by the Fair Credit Reporting Act ( FCRA ). This issue needs immediate attention and resolution to prevent further harm to consumers. 

Based on the information provided, it is evident that DataX, Ltd is not reporting accurate information, a violation of [ 15 USC 1681e ] ( b ). This statute requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information pertaining to individuals in the reports they prepare.

Furthermore, DataX, Ltd is in direct violation of [ 15 USC 1681b ] ( a ) ( 2 ) of the FCRA, which permits consumer reporting agencies to furnish consumer reports only in accordance with written instructions from the consumer whose information is being reported. I would like to emphasize that I have not granted authorization to anyone to access my private and confidential records, including the information that your agency is currently reporting.

These transgressions directly infringe upon my rights as a consumer, particularly my right to privacy, as outlined in [ 15 USC 1681 ] ( a ) ( 4 ). It is crucial to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumer privacy.

To rectify the aforementioned violations, I humbly request that you take immediate action to delete the erroneous items specified in the attachment from my consumer file within your agency. Failure to comply with this request will leave me with no option but to pursue appropriate legal action.

I want to draw your attention to the seriousness of these violations. Identity theft is a grave offense, and these actions can be classified as aggravated identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). Knowingly transferring, possessing, and utilizing someone's means of identification without lawful authority is a felony punishable by up to two years of imprisonment, in addition to civil liability.
Consumer complaint received 2023-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am XXXX and received a garnishment from Bank of America on XX/XX/XXXX for an alleged debt owed XXXX. I have never taken any out for a car from Bank of America neither I apply for a loan with Bank of America. I have never defaulted on a loan from Bank of America and the information that is on the garnishment is not correct and its not me.
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

On today, XX/XX/2024, I dispute XXXX debt with all credit reporting agencies and to the creditor. They are reporting XXXX debt as though it is new, as of XXXX XXXX, which is effecting my credit report severely. Further, they have not provided validation of this debt. No contracts, or signed documents, or any evidence to establish that this debt belongs to me. Further, they are reporting the wrong amount I presume because I have never owed anyone that amount of money. They also did not properly notify me of who they were. In the reporting agencies, it says that Thus debt was bought from XXXX XXXX XXXX XXXX. But I never owed XXXXXXXX XXXX  this amount of money nor has XXXX XXXX ever reported that amount on my credit report. Further, on my XXXX report. XXXX XXXX XXXX and XXXX XXXX are both attempting to say that I owe a debt. If XXXX account is sold, and this is the account Jefferson claims, they can not report through both parties simultaneously under law. They are breaking multiple laws with my FCRA rights, and going against the guidelines and regulations and laws provided by the FTC and the CFPB. Some of their violations are listed in my evidence.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a XXXX XXXX XXXX, I made secured credit card from my own money with Bank of America last XXXX. 
I also increased my credit limit 200 %. 

I was always compliant with utilization rate of 30 to 40 %. 

My score has increased to XXXX 3 times after I made a phone payment, it said to me that payment has been received. After 10 days days payment was canceled. 
I fixed the problem and made cash atm payment after that. 

Bank of America has canceled my secured credit card with I made from my own savings to build credit aiming to buy and finance some items later. 
I asked them twice to solve the problem, nothing happened. 

I upgraded my stay from XXXX to XXXX XXXX XXXX, bank of America did give me access to investing account Merrill lynch