davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

In continuation to complaint XXXX, that I filed on XXXX XX/XX/2023, I have recently received a letter from USAA stating that information is needed from my wife to unfreeze our account. It was dated XXXX XX/XX/2023! They did not freeze my wife 's card until XXXX XXXX and that is the day that I called to complain and get it unfrozen. I requested a reason for the freezing of her account as well as what would be needed to unfreeze it. They created a letter and falsely put that it was generated and sent on XXXX XX/XX/2023. 

Beyond the fact that they are being deceptive on the timing of their notification, USAA provided no details on what is required. From my initial conversation with the representative on XXXX XXXX, I was informed that they needed additional information to verify identity. Together with my wife ( virtually since she is in XXXX at our home with the kids while I'm in XXXX doing military duty ), we submitted my passport, her passport, my military orders, and her permanent residence card via the online document submissions tool and received confirmation that they were received. And further proof that they were deceptive in the date of the letter, the messages in our USAA account inbox of me sending the aforementioned documents and the confirmation from USAA came on XXXX XX/XX/2023 when I sent them and the supposed XXXX XXXX letter was the latest message ( see XXXX ). 

After 18 hours of sending all of our documents for verification, our debit cards still do not work.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC. (OK)

I have accounts with : First Citizen Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ  XXXX XXXX XXXX XXXX I moved from my old to new address on XX/XX/XXXX I spoke with XXXX XXXX and asked him to update my address, he said he can't do it and told me to call XXXX XXXX. 
I called XXXX XXXX and was advised to write to First Citizen Bank  XXXX XXXX XXXX XXXX XXXX NC XXXX to update and add my cell phone number. 
Here is the copy of the letter. 

First Citizen Bank  XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX Change of address and add my cell phone XXXX XXXX I have checking account. Money market account and CD Checking account # XXXX Money market account # XXXX CD account # XXXX Old address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, OK   XXXX Phone # XXXX XXXX New address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK  XXXX Phone # XXXX XXXX Please provide me the phone number for change of address. 

Sincerely, XXXX XXXX XXXX There is no response from them.
Consumer complaint received 2023-08-28
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. (AZ)

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 deleted from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Dear Capital One Customer Service, I hope this letter finds you well. I am writing to bring to your attention my current financial situation and request accommodation under the CARES Act regarding late payments reporting on my accounts. The affected accounts are as follows : 1. Account Number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Account Number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Account Number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am facing financial hardship due to circumstances beyond my control. Unfortunately, I was laid off from my job as a result of contracting XXXX. The impact of this unexpected situation has made it challenging for me to meet my financial obligations, leading to the reported late payments on the aforementioned accounts. 

Understanding the provisions outlined in the CARES Act, I kindly request that Capital One consider accommodating my situation by removing the late payments from my consumer report. I believe that this accommodation would better reflect the extraordinary circumstances I faced during the mentioned months, and it would provide me with the opportunity for a fair assessment of my creditworthiness. 

I understand that Capital One values its customers and strives to assist them during challenging times, and I am hopeful that you will consider my request favorably. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-10
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to bring to your attention an issue I have encountered with Bank of America regarding unauthorized charges made during my period of XXXX from XX/XX/XXXX, to XX/XX/XXXX. Despite my efforts, the bank has refused to reimburse these unauthorized charges. 

I kindly request your assistance in addressing this matter and ensuring that I am fairly reimbursed for the charges incurred during the aforementioned period. Your attention to this issue is greatly appreciated. 

Dispute claim # XXXX
Consumer complaint received 2023-04-29
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: EQUIFAX, INC. (LA)

See attached Docs stating late payments on accounts that I've never been late on. Remove these late payments from my consumer report as this a violaton of my consumer rights under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. Also Under 15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. The law is very clear as it pertains to my consumer rights.
Consumer complaint received 2023-08-07
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. (MI)

XXXX XXXX continues to share my financial history with Experian without my written permission. XXXXXXXX XXXX agreed not to share my non public information with non affiliates. Experian is not an affiliate of XXXX XXXX and is not the real credit bureau. The only credit bureau is the CFPB and they do not furnish consumer reports. Experian does not have my permission ro repot any of my financial information pertaining to my account with XXXXXXXX XXXX. 

This is a discharged account and can not be reported as it is income per the IRS.

As a federally protected consumer I am now opting out of any of my information being shared.

162.6 Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CBC Companies, Inc. (CA)

innovis is reporting information without my consent also i have send police report on the account thats reporting without my consent i dont owe these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i upload a police report twice made a new as well with lard see attachments these company violated my right to privacy 15 U.S 1681i
Consumer complaint received 2023-10-24
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. (NJ)

I know that you have been replying to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX XXXX XXXX Late Payment {$84000.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXXXXXX Late Payment {$9200.00} XXXXXXXX XXXX XXXX Charge-off {$0.00}
Consumer complaint received 2024-05-15
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (DE)

I received a welcoming email to a Zales credit card but I thought it was a phishing email and then days later I received an email stating the my order was delivered to an unfamiliar address with my telephone number attached, but it still appeared to be a scam. Then on XX/XX/2024 I received a XXXX email for a survey for " my product ''. I called the customer service number for Sales and they immediately gave me my balance and usage once I gave the last XXXX digits of my social. I did not apply for a Zales credit card. I was then connected to the fraud department after advising customer service that I did not authorize the credit card. They asked me a lot of questions but could not tell me much over the phone except they would send me correspondence in the mail in XXXX to XXXX business days. At that point I didn't really feel comfortable because they couldn't tell me where the purchase was made, except that it was in store. No store location or time. Only the date. I am submitting this complaint because no one should have been able to open an account without some form of a valid drivers license.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any ITEMS which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these ITEMS. XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX. ) XXXX Balance : {$950.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$580.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$68.00}, XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$440.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-08-31
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any ITEMS which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these ITEMS. XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX Pl XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX. ) XXXX Balance : {$950.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$580.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$68.00}, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$440.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am outside USA it took me about 3 hours to talk to my Bank of America in XXXX, NY. I told the lady that contact me about my email because phone contact is very difficult. 
but I have not received email yet
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

The credit card company texted me, asking if I was trying to make a payment to a subscription service. I replied NO, DO NOT PAY THEM. The credit card company locked my credit card and gave me a number to call to begin the dispute, but every time I call, I get disconnected ( I have tried more than 10 times ). I just received a statement and the fraudulent claim is on the statement. I still can not contact the credit card company, I keep getting disconnected.
Consumer complaint received 2024-01-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MO)

To whom it may concern, Hope you are doing great. I signed a lease with XXXX XXXX XXXX XXXX XXXX to rent an apartment foXXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXXXXXX XXXX. However, the leasing company wanted to assign me to XXXX XXXX XXXX XXXX with a different floor plan. The company lied about my leasing address and floor plan. When I declined to move to a different address other than the one on my lease, the company wanted to charge me with {$6800.00} besides the {$1300.00} deposit I paid. The company also lied about that we could have our deposit waived if we got a guarantor company designated by the leasing office in order to induce us to sign the lease early. The leasing company refused to return my deposit and sent {$6800.00} I did not owe to Hunter Warfield collection company. I was tortured at the XXXX XXXX XXXX XXXXXXXX XXXX because I didnt support Joe Biden . The leasing company is colluding with Hunter Warfield to retaliate against me after XXXX XXXX was charged. I dont think the US laws and Constitution allows any resident in the United States to be tortured and blackmailed for their political stance. Furthermore, any resident should not be tortured by people colluding with foreign countries for election wins and other corruption practices like trying to deprive our lawful immigration status due to our political affiliations and using secret codes like numbers and movies to communicate with foreign countries for political collusions and other illegal practices by selling or distributing sensitive information of US residents. It sounds a personal problem, but it is ( potential ) voter intimidation, political retaliation, physical and mental torture and harassment related to elections and politics. I hope you can investigate such pervasive corruption practices. If you need any further information and evidence, please feel free to contact me at XXXX. 

Thank you. 

XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TX)

Early Warning Services continues to share, posses & report my personal banking information without my verbal, written or non written consent after I have exercised my right to opt out. Early Warning Services says that my bank, XXXX XXXX XXXX XXXX, gave them authorization but XXXX XXXX promises to only share my personal banking information with their affiliates ( subsidiaries or other companies under common control ) and Early Warning Services is not under the control or even an subsidiary let alone an affiliate of XXXX. and this is a direct violation of my rights under the Privacy Act of 1974 and Title 15 U.S. Code 6802.
Consumer complaint received 2023-08-31
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. (KY)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.