davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION (GA)

On XX/XX/year> I Opted Out of credit reporting from MTB. They have NOT complied with the federal law and have not trained their staff to comply as well which is negligence on their part. 

For years I have been requesting that MTB opt me out from credit reporting, via notarized documents mailed via form XXXX 

The culture of MTB is to write letters stating that my requests are frivolous and they will not answer similar complaints.

I was able to find my original closing documents for other legal reasons and here is the disclosure that they refuse to send upon request or honor. 

see attached. it is XXXX dollars per violation per federal law.

And I am seeking compensation for 15 years of illegal reporting, late payments, balances, date open, and all private intimate information.

I have call recordings of when you dial into their employees they state that they can not stop reporting to the credit bureaus they MUST or they HAVE TO.

I have letters from MTB also STATING THE SAME AS WELL. Through complaints, i submitted through the CFPB in the past.
Consumer complaint received 2023-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I wrote letters dated and mailed on XX/XX/2023, and XX/XX/2023 to TransUnion in regards to inquiries I found on my credit report that I didn't recognize and I believed it to be fraud. I'm unfamiliar with disputing items that I believe to be fraud on my credit report. I then reached out to XXXX in regards to my concerns and as of today XX/XX/2023, I haven't gotten a response. I'm very concerned and I'm reaching out to your agency for help! Attached to this complaint are all the supporting documents that I sent to TransUnion
Consumer complaint received 2023-06-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I have been a wells fargo customer since 2006. I have overpaid in overdraft charges since then. I have called customer service on more than one occasion requesting to remove the overdraft feature from my account. For the past 3 years and they still insist on keeping it on there. Some overdraft charges have been refunded but some have not. I am currently overdrawn {$540.00} in my wells fargo checking account. I am currently between jobs and can not afford to pay over {$300.00} in overdraft charges.
Consumer complaint received 2024-01-21
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: 2288984 Ontario Inc. (IL)

The original debt was {$400.00} in XXXX from MoneyKey. It was charged off and sold to XXXX and XXXX collections. They have reported to the credit bureaus that it is {$780.00} and the debt is from XXXX. I disputed through the credit bureau and XXXX XXXX responded that what they say is accurate but I have the original documents that say otherwise
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (FL)

I flew on an XXXX XXXX flight in XXXX. Since, there has been an account opened with my information that I did not authorize or even know about until I got an email saying I owed monery and a late fee. The card was through a company called Barclay, XXXX card # XXXX. I do not have the card and never applied for the card. Now it is on my credit report. I talked to someone from Barclays, ( not sure if it was really them or scammers ) they said they would close the account and refund the fees. I have not received a confirmation email and I am very worried that they have all my info. They have my address, phone and social security number and birthdate. I worried they will do something with my personal info.
Consumer complaint received 2023-09-24
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. (IN)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2024-01-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (NY)

Southwest Credit Systems is reporting false info on my credit report. I have never had a XXXX account. Apparently the account was opened XX/XX/XXXX. I have been with XXXX XXXX XXXX since XXXX. I would like this collection removed immediately not to mention my name is XXXX not XXXX. This account is not in my name.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

An ACH transfer was processed in the amount of XXXX} on the following dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX, XXXX in total. My bank will only allow us to dispute three of the nine and told us we would have to contact the other financial institution for the other six. They gave us a phone number and we were left to call. When we called the other institution we were asked for an account number but since we did not do business with them they stated they would not be able to assist in any way. This is a reoccurring charge that we are not able to stop without some type of assistance from someone.
Consumer complaint received 2024-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

In XX/XX/2021, I was informed by XXXX XXXX about a collection that I had no knowledge of. I immediately contacted the collection agency to clarify that the debt was not mine and was a result of fraud and identity theft. However, the collection agency has not fulfilled their obligation to prove the validity of the debt.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am extremely disappointed in the service I received about my Bank of America credit card. I called on XXXX, XX/XX/XXXX, when I thought my card was lost to put it on hold to protect my account from fraud. When I found the card, I called immediately to report it found. But BOA doesn't offer customers XXXX fraud service (!!!! ) so I couldn't reach anyone. Then over the weekend, I was told that BOA updated its system which automatically cancelled my account -- XXXX that I had had for years, paying on time in an excellent way. ( Look it up. ) In fact, I am supposed to be a " premier customer, which makes me wonder how they treat ordinary customers. On XXXX, XX/XX/XXXX, I called to see what was happening with my card, and was told that I no longer had an account! When I tried to explain to XXXX different people in service and fraud, nobody could help me resolve the issue. ( They put employees in impossible situations. BTW. ) In other words, the bank made a mistake with my account and then didn't allow anyone to fix the problem within the system. Now I need to give up an excellent interest rate -- that I earned -- and now go find another card during a time of historically high interest rates. And that is what disappoints me the most. Bank of America didn't honor their business agreement. They pushed me into a higher interest rate -- at no fault of my own. My interest rate will now be more than three times my current rate, which makes me suspicious why this incident happened. So, I am writing to let you know that I feel " swindled '' by this bank. I don't trust this company any longer. The calls were recorded, although I doubt anyone listens to them. The employees submitted complaints from me yesterday, and I submitted my comments in their evaluation form today. Now I want to file a formal complaint that I feel I was forced out of my interest rate -- that I earned -- and into applying for a much less financially advantaged interest rate. This is unacceptable business behavior, and I expect my previous business arrangement to be honored by Bank of America. Thank you.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

So I deposited a check into my Truist account with a large sum due to a car sale on XX/XX/XXXX, the funds where released in placed into the account in full on XX/XX/XXXX. Ive been calling since the money was released and they have been giving me the run around. They closed the account and locked my access online and debit card access. Ive talked to the fraud department numerous times and they always try to push the date back. Ive called 4 times since the XXXX. I have a video of my account and the amount inside the account.
Consumer complaint received 2024-01-21
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: Professional Finance Company, Inc. (NV)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation everyone in is HJR 192. As all debts are prepaid, there is no valid claim for any further payment. Understand *no valid claim for any further payment* So for a third-party company to be trying to collect a debt is beyond breaking regulations & the LAW. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing XXXX and XXXX XXXX  as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX XXXX XXXX a false application for credit was entered on to my credit report. i did not apply for credit through Capital One - someone has my information to apply with. a second application was submitted a day or two later. capital one identified the hard inquiries on my credit as applications made, denied them both, and i requested documentation of the same. they said they do not provide such documentation. this complaint is XXXX  : someone is making applications in my name and i can not confirm that capital one has denied said applications.
Consumer complaint received 2023-09-25
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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. 
XXXX XXXX XXXXXXXX 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 2023-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: CCF Intermediate Holdings LLC (MO)

I have a loan with check into cash and have had autopay was setup and and we had one returned payment and they stopped autopay then did not contact me or retry the payment and went months without trying to take a payment since XXXX and then on XX/XX/2024 they take an amount of {$600.00}. They should have been taking the payments like normal autopay was not revoked until the XXXX when we found an issue after being charged {$600.00}. I contacted the company and they corp office staffing is unwilling to help in any way and say it is my fault because I didn't pay. I explained thats why I had autopay.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CA)

I am writing to formally lodge a complaint against Marcus by Goldman Sachs ( " XXXX '' ) concerning the handling of my savings account and the significant delays in accessing my funds, which I believe violates the guidelines on consumer rights and financial conduct. 

XXXX. Account Opening and Initial Transaction : On XX/XX/2024, I opened a savings account with Marcus and subsequently transferred approximately {$45000.00} into this account on XX/XX/2024. The account opening and initial transfer process were conducted without issue. 

XXXX. Account Lock and Closure Request : However, on XX/XX/2024, when I attempted to transfer funds from my Marcus account to another account at XXXX XXXX, I discovered that my Marcus account had been temporarily locked. An attempt to log into my account resulted in a notification stating, " Your account is temporarily locked. '' Concerned about this sudden restriction, I contacted Marcus 's customer service immediately. During this call, I was informed unexpectedly that my account was being closed. In response, I requested the closure of my account and the prompt return of my funds. 

XXXX. Follow-Up and Lack of Resolution : Since the initial incident, I have made several attempts to resolve this matter and obtain information regarding the timeline for my account closure and the return of my funds. Specifically, I contacted Marcus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2024. Each time, I was informed that my case was still under review, but no substantive information or timeline was provided. 

The lack of access to my own financial resources has not only caused significant inconvenience but also financial stress, as these funds were allocated for upcoming obligations. The inability of Marcus to provide a clear and timely resolution reflects poorly on their customer management and operational efficiency.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$290.00}
Consumer complaint received 2023-09-25
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)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
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. (CT)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-11-06
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. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.