davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I went to Wells Fargo bank brunch with my ID with appointment many times before in regard to ask them to correct the issues in my account but they said that customer services are not available for that certain time and I did not received assistance, and last time when I went to Wells Fargo at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the costumer service said that your account is blocked and they can not provide any information to me.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 A section 2 ) it also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : Capital One Accounts ending in XXXX and XXXX XXXX Account ending in XXXX XXXX XXXX XXXX  ending in XXXX 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for and purpose.
Consumer complaint received 2023-10-13
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)

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. 

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.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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 USC1681. 

XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

In 2019, My brother stole my wallet and personal identifiers. He used my PIN number ( which he found by looking over my shoulder when I visited an ATM ) and deposited fake checks into my bank accounts and maxed out my credit cards and fled to XXXX XXXX XXXX, Utah. He is a drug addict. 

Subsequently, my checking account at Bank of America become overdrawn and closed after the check returned. When I was notified, I informed B of A of the fraud. From the time in XXXX of XXXX until current, Bank of America, despite being notified several different times and by several avenues has done nothing. 

No investigation was completed, no reversal of the check and no phone calls were ever returned. The negative item was reported to Early Warning Services. 

This company is a credit reporting agency that reports to other banks on negative activity. I have had bank account applications denied because of this negative information that was a result of identity theft.

Moreover, Bank of America reversed ever block I attempt to place on the negative information that is reported, further compounding that they turn a blind eye to victims of identity theft and attempt to make them pay. 

I would like Bank of America to investigate the identity theft, reverse the negative information appearing on this bank account and remove the negative file form XXXX XXXX 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: FIRST FINANCIAL BANCORP (IN)

I received an account closure letter dated XX/XX/year>, saying my account will be closed on the XXXX of XX/XX/year> and the remaining balance will be sent to me via official check. As of today XX/XX/year> i am yet to receive any check and i had a positive balance of $ XXXX in my account before closure. I have attached the account closure letter i received from First Financial Bank.
Consumer complaint received 2019-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc. (TX)

I have communications to Southern Management Systems dated back to XX/XX/2017 in regards to an alleged debt the company. In every request I have submitted to the company, I have asked the company to verify that I am bound to do business with them. They have constantly submitted the same documents from wherever the debt was purchased from, and in none of these documents is there a mention of Southern Management Systems. On top of the company 's failure to verify, I was told in the last letter received that the company would not send any further correspondence.
Consumer complaint received 2021-05-19
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased tickets for a concert from XXXX and my account was billed on XX/XX/21. The concert was cancelled due to Covid and rescheduled in XXXX. Unfortunately I can not attend on this date. I have requested a refund but I have been told after trying to contact them many times that all sales are final. I later found out that the concert had already been cancelled around 10 days before I even purchased the tickets making this a fraud something they have done before. 

I have asked Capital One to help me dispute this amount but so far they keep closing my case.
Consumer complaint received 2023-10-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FREEDOM FINANCIAL NETWORK (IL)

I received an email and phone call from XXXX at Achieve Personal Loans. She stated she was calling from XXXX XXXX and received an application for a loan. Her phone call was to tell me that I was approved for a loan for {$15000.00} that I had applied for. I did NOT apply for a loan and when I told her that this would be fraud she told me that it was possible it was not fraud and maybe someone else applied for this loan in my name. When I specifically stated that I did not nor did anyone have authorization to apply for this in my name she said she would " red flag '' the application but refused to mark it as fraud. This was either a phishing attempt or a refusal to mark a fraudulent supposed application as fraud. 

The email sent to me stated that she had been " trying to contact '' me but at the same time she stated that the application was done XXXX minutes prior to speaking with me ( at which time I stated again I did NOT complete a loan application XXXX minutes ago ).
Consumer complaint received 2018-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

My husband and I decided to put our Navy Federal Credit union credit cards on a debt consolidation program due to us getting nowhere with our monthly payments. I transferred themoney from an auto insurance claim from XXXX for my car repairs to Navy Federal so that I can transfer it to my sons Navy Federal account so that he can pay for the car repairs since I am currently out of the state in XXXX XXXX Alabama for school and Navy Federal withdrew the money with out my authorization to put towards my husband 's credit card which I'm a co-owner to. I called Navy Federal to request a refund so that I can pay for my car repairs and they denied the request even when I told them that was an insurance claims money for my car repairs. This is creating hardship and stress on me because I don't have the extra money to cover for my car repairs this is not the first time that Navy Federal withdraws money from out accounts with out having authorization. They have done the same from my husband 's account with out his permission. XXXX does not do this and we have a credit card with them that is also enrolled in the National Debt consolidation program we have.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have three missed payments on my XXXX  XXXX credit card XXXX that are seven years old and need to be deleted from my Experian credit report I have asked for these items to be deleted, but they are not. 

The three missed payments. Are the dates following. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

On XX/XX/XXXX, I called Ally Financial to change my due date on my loan because I started a new job, and will not be paid until XX/XX/XXXX and my due date is the XXXX. While they do give a 10 day grace period, I was just wanting to change it to the middle of the month so I could still be in that 10 day grace period and not have late fees every month on my car payment. They told me that I was not allowed to change my due date because I asked for an extension in XXXX of XXXX and they gave me an extension date of XX/XX/XXXX. I asked for an extension because I was laid off suddenly and did it as a precaution but was able to make my car payment on time the month of XXXX. They told me that I am only allowed to change my payment date once, so I asked for the entire term that I financed my car I am not aloud to change my due date and they told me that I could not. I asked them to send me the policy on this in which they told me that they have no policy in writing that they could send me that it is an " Ally courtesy '' so I asked them if they could send me the information on that and they said they could not. I also asked for them to send me my contract an they told me they could not do that. I understand that you can't just constantly change your due date for your payment but I am pretty sure all lenders give consumers an option to change the due date once every year. I spoke to XXXX different people including a supervisor and the supervisor is the XXXX who advised that they could not send me any policies. Also, XXXX of the representatives suggested that I just don't pay my late fees and only pay my car payment.. because that makes sense right? They did nothing to try to resolve my request.
Consumer complaint received 2024-03-19
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. (NY)

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 Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LAND HOME FINANCIAL SERVICES (OH)

According to the federal Credit act this creditor Has violated my rights On the fifth teen 8 c section 602 that I have the right To private. And it also states that I that a Creditor can not furnish an account without My written instruction. A tread creditor can not treat payment Or credit card account under an open Credit plan as late For any purpose.
Consumer complaint received 2024-04-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I discovered in XXXX my identity was stolen. I have XXXX  fighting this for XXXX years. I was able to get XXXX reports. They are reporting fraudulent accounts that are XXXX XXXX XXXX and two fraudulent accounts that are XXXX XXXX XXXX. Status of limitations is 7 years. But it gets worse I have a freeze and fraud alert and my reports locked. When opening up to look at my report the lock was open. Now that explains how a credit card was open this year. 
But they claim to verify everything.They verify nothing. There is on account that is states negative but there is no money, it says no status. Why is that not been removed. It also states upon putting a freeze alert theme credit reporting agencies are to inform me that a hard copy is not or going to be done. 
Well I just discovered again they dont follow the law. They allow 4 or 5 hard copies to be not without my permission.when i discovered my identity was stolen I went on to XXXX a brought everything ( hard copy ) books to learn how to fix my identity. I feel like Inhave been XXXX over and over just with out the physical act of. They broke my civil rights, and destroyed my Character XXXX? years.But, they stand behind their lies and state its been verified. 
I am mentally tired how do I get the last 10 fraudulent accounts and hard inquiries removed permanently. I only want my positive account in my reports. 
The best is transunion They yelled at me and said they have everything verified on me. We they were living. I started working at the high school in my town on XX/XX/XXXX. They are reporting I started XX/XX/XXXX. That would make me XXXX years older than my mothers. But they swear it verified. They have the incorrect information on when I retire and the rest is the same accounts they are keeping on my reports for 30 years and 11 years. I wan to make then accountable for what they have done to my mental state and physical health. I want to sue them for XXXX XXXX dollars. Please you dont understand I always follow through. Thats how come I was able to catch them lying.
Consumer complaint received 2023-12-07
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 did not authorized the followings inquiries : EQUIFAX PENDING INQ : 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 2023-04-08
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. (TX)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2024-04-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I discovered in XXXX my identity was stolen. I have bereft fighting this for four years. I was able to get XXXX reports. They are reporting fraudulent accounts that are XXXX XXXX XXXX and two fraudulent accounts that are XXXX XXXX XXXX. Status of limitations is 7 years. But it gets worse I have a freeze and fraud alert and my reports locked. When opening up to look at my report the lock was open. Now that explains how a credit card was open this year. 
But they claim to verify everything.They verify nothing. There is on account that is states negative but there is no money, it says no status. Why is that not been removed. It also states upon putting a freeze alert theme credit reporting agencies are to inform me that a hard copy is not or going to be done. 
Well I just discovered again they dont follow the law. They allow 4 or 5 hard copies to be not without my permission.when i discovered my identity was stolen I went on to XXXX a brought everything ( hard copy ) books to learn how to fix my identity. I feel like XXXX XXXX XXXX XXXX and over just with out the physical act of. They broke my civil rights, and destroyed my Character overv4? years.But, they stand behind their lies and state its been verified. 
I am mentally tired how do I get the last 10 fraudulent accounts and hard inquiries removed permanently. I only want my positive account in my reports. 
The best is XXXX  They yelled at me and said they have everything verified on me. We they were living. I started working at the high school in my town on XX/XX/XXXX. They are reporting I started XX/XX/XXXX. That would make me four years older than my mothers. But they swear it verified. They have the incorrect information on when I retire and the rest is the same accounts they are keeping on my reports for 30 years and 11 years. I wan to make then accountable for what they have done to my mental state and physical health. I want to sue them for XXXX XXXXXXXX XXXX  Please you dont understand I always follow through. Thats how come I was able to catch them lying.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-04-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/2024 JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX for egregious violations of my consumer rights under federal regulationsXXXX XXXX XXXX XXXX has flagrantly disregarded the laws outlined in 12 CFR 1006.34 by failing to provide validation information regarding a collection account they have reported on my consumer report. Despite this blatant omission, XXXX XXXX XXXX  has proceeded to report this collection account, thus infringing upon my rights under federal regulations.

Furthermore, XXXX XXXX XXXX has deprived me of the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide the necessary avenues for dispute resolution is a clear violation of consumer protection regulations and demonstrates XXXX XXXX XXXX XXXX blatant disregard for fair and transparent practices.

I assert that XXXX XXXX XXXX is engaging in deceitful and misleading practices by reporting this collection account without adhering to the requisite legal standards. This conduct not only violates my consumer rights but also undermines the integrity of the credit reporting system as a whole. 
In addition to disputing any ownership of the alleged debt to XXXX XXXX XXXX, I hereby revoke all rights of communication via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above.

As per my rights under the law, I demand that XXXX XXXX XXXX provide validation of the debt, including the purchase agreement between XXXX XXXX XXXX and the original creditor. Furthermore, I request immediate proof of XXXX XXXX XXXX XXXX licensing and bonding, as mandated by law.

Failure to comply with these demands within the legally mandated timeframes will result in immediate escalation of this matter to higher authorities. I expect a prompt and thorough response to this formal complaint, detailing the steps XXXX XXXX XXXX will take to rectify these egregious violations and provide restitution for the damages incurred. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.