davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I contacted Bank of America in regards to XXXX separate reports made to XXXX XXXX XXXX XXXX in the 36 months prior to XX/XX/year>, disclosing sensitive Nonpublic Personal Information in regards to my Consumer Checking Account. In my Agreements with Bank of America, I was told my information would never be shared with any third party non-affiliate. In their words, they dont share. I asked Bank of America to provide evidence that XXXX XXXX XXXX XXXX is in fact a direct affiliate or compensate me for damages in alignment with the Willful Noncompliance remedies set forth in FCRA. ( 15 USC 1681n ) Bank of America has refused to respond in writing to these findings or compensate me for violating my privacy among other damages. XXXX XXXX XXXX also reported my XXXX no less than XXXX times and requested information about me at least once in the same time frame, however I do not, nor have I ever had any kind of an account with XXXX XXXX XXXX. They are subject to regulations and statutes that would prevent them from ever making that report and receiving that information. They would also be required to provide an opportunity to Opt out. And then theres the issue of how did they have access to my Bank of America checking account information to be able to report these transactions. And Lastly, there was a checking account opened with XXXX that was reported to XXXX XXXX XXXX XXXX with fraudulent information, including an address I have never seen, a phone number Ive never had, and an email address that Ive never seen and is clearly fraudulent. Not only is the account not mine, but I do not have any Military family members nor am I in the military, so I have reason to believe XXXX opened it on my behalf fraudulently, and reported it to XXXX XXXX XXXX XXXX without my permission. According to the XXXX XXXX XXXX report I received also shows the XXXX account that was opened has been closed and the information was purged, which is a violation as it is required for all Banks to hold information pertaining to accounts for at least 5 years, and it was opened and closed within 1 year.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When I checked my credit report I noticed that someone has access my personal information. I noticed that I have multiple inquiries on my credit report from XXXX  XXXX on XX/XX/2022, XXXXXXXX XXXX  XXXX on XX/XX/2022. I have no knowledge of what or who this could be.
Consumer complaint received 2021-03-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I DISPUTED THE FOLLOWING ACCOUNTS ON XX/XX/2021 ISSUE HAS NOT BEEN RESOLVED. THESE ACCOUNTS ARE NOT MINE. 

1.XXXX ACCOUNT XXXX : XXXX 2. OPPITY FIN ACCOUNT NUMBER : XXXX 3. XXXX ACCOUNT NUMBER : XXXX 4.XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-06-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY ()

I opened a XXXX month CD on XX/XX/XXXX. I was verbally informed today XX/XX/XXXX that the account was closed. No Reason was given. We entered into a XXXX  month Contract which they should honour. I have not been notified of any breaches nor have I agreed to the Closure.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (WI)

Various Credit Card Companies ( XXXX : XXXX, American Express ) do not send a statement if you do not make a charge to the account. I think a statement should be sent out out whenever there is ANY activity on the account. They do not send if you only make payments and have a XXXX balance. I think they need to send one whenever there is ANY activity
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

There is a large amount in dispute on my card ( {$1600.00} ). The company did not receive my documentation to support the dispute and closed it prematurely. I called back numerous times and they sent me a link to upload supporting documents, which was not done at first. They told me they would reopen the dispute and during that time the amount would not be on my account and would not accrue interest. I uploaded my documents. However, the company never reviewed them and left the charge there. I called back XXXX more times and each agent told me they would remove the charge while it is in dispute and it would not accrue interest while the investigation was going on. However they never actually reopened the investigation. I kept calling back and each time it takes half an hour at least to go through their menu loops. When I called yet again on XXXX the person told me that my documentation wasn't sufficient because it did not contain photos, even though it did, which tells me they did not review the photos. That person then transferred me to someone else who then said something completely different, that I didn't submit any documentation and they never reopened the investigation and used only documentation submitted by the merchant. They can't keep their story straight. Then they transferred me to another person who said they can not open a dispute because the time frame has passed, even though I submitted all the documentation back in XXXX and XXXX and they either say that they don't have it at all or it's not what they need, even though they list the items they need and that's exactly what I uploaded. I will not pay for fraudulent charges and I will not pay for interest on these charges that is not supposed to be charged.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Goodwill Letter to Capital One In XXXX of XXXX, I filed for bankruptcy, I was discharged in XXXX of XXXX. The Capital One account still appears on my credit report which reflects the account once been in bankruptcy. Since my discharge my credit has been in great standing. Please delete the old Captial One account that dates back to XXXX, from my credit report in good faith as a good will. Please consider my financial future and the hard work I have put in establishing my credit once again.
Consumer complaint received 2016-02-21
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MI)

I paid my lease off early through Chrysler Capital. They sent me a statement in the mail with any outstanding balances. The only thing that showed a balance was a negatively amount ( overpayment ) of sales and usage tax. At the bottom of the statement, it states that any negative amounts will be credited back to you. I called them and they refused to give me a refund, although the statement clearly states that. After several calls and speaking with management, I have not received a solution. I have been told that it is incorrect and a " computer-generated document. '' I do n't feel that should matter ; if you send me something stating that I overpaid, I expect a refund. Their customer service staff and managers are nothing but rude and combative.
Consumer complaint received 2024-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX Transunion and XXXX are reporting adverse information on my credit report despite me sending debt validation letters to the company and them not responding with information requested. 

on XX/XX/XXXX i requested in my letter sent certified mail I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following from you : 1. Validation of the account ( Actual Accounting ) 2. Verification of your claim against me ( a sworn affidavit or hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes, and the Federal Fair Credit Reporting Act.

3. A copy of the contract signed by both parties therefore binding both parties 4. Please also provide me with a true certified copy ( NOT photocopy ) of the original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this note has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud and or mischief. Your said failure to provide the documentation within ten ( 10 ) days, from the date above, to validate the debt, will constitute your agreement to the following terms : That the debt did not exist in the first place ; or It has already been paid in full ; AND That any damages suffered, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further. 
You agree to pay all fee schedules. 
Please note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, those calls could constitute harassment and I may take action under Section 1 of the Protection from Harassment Act XXXX. 

As such, my account was closed XXXX with no other updates since then.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was surprised that this account XXXX XXXX XXXX which is closed/paid is reporting negatively on my report. This account was paid and I was never late. I sent a letter to all credit bureaus but I never received a response from them. According to 15 U.S. Code 1681e ( b ) Everything reporting on the report need to be XXXX  % accurate. My attachments will show major inconsistencies in the reporting between the XXXX major Credit reporting agencies on XXXX XXXX. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Consumer complaint received 2022-11-27
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. (CA)

Equifax is not removing Fraudulent hard inquiries on my credit report please help ftc report attached i am a victim of ideneity theft, the infrmation on my Equifax credit report -regarding the hard inquiries are fraudulent- there are fraudulent hard inquires on my equifax credit report that does not relate to any trasnactions that i have made. this is a result of identity theft. these fraud hard inquiries are not mine and must be removed remove and delete these fraudlent hard equifax inquiries XXXX Equifax HArd Fraudulent Inquiry XXXX XX/XX/XXXX XXXX Equifax HArd Fraudulent Inquiry XXXX XX/XX/XXXX XXXX Equifax Hard Fradulent Inquiry XXXX Equifax Mortgage XX/XX/XXXX
Consumer complaint received 2021-04-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

A collections was put on my report from XXXX XXXX XXXX in the amount of {$1400.00}. To this date this account has not been validated according to 15 USC 1692g. In addition my rights under 15 USC 1681b have been violated because I never gave Transunion permission to furnish said account.
Consumer complaint received 2022-11-08
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: Sezzle Inc. (MI)

I was never late on the above listed account. Please show me in documentation showing proof of this transaction showing I was ever late to support your inaccurate reporting on my account nor is this an account or mine. If you can not supply this, please delete these alleged late payments and the account in its entirety from all of my credit reports per 15 USC 1666b. In accordance with the fair credit reporting act, this creditor has violated my rights 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 instructions. 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 2023-05-23
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: Bridgecrest Acceptance Corporation (GA)

XXXX XXXX, is a financial institution by definition under 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to XXXX XXXX, XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''
Consumer complaint received 2023-08-11
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Bright Capital Inc (PA)

Bright money has been withdrawing round up funds from my bank account when there are not enough funds in the account to do so. When you sign up for bright money, if your bank account is below XXXX dollars they stop the rounds up and stop withdrawing. This has not been the case for me. My account was overdrawn and continues to be overdrawn. I ended up having over XXXX dollars in overdraft fees from just bright money. I had emailed them XX/XX/XXXX requesting them to stop and help resolve the matter with no response. I emailed again on the XXXX and the XXXX when they continued to do so. I was unable to remove my bank account from their app or website. I was eventually able to turn off the round ups and it confirmed that they would not pull funds. Fast forward XX/XX/XXXX and more funds came out of my overdrawn account causing XXXX dollars of overdraft fees. This company isnt saving me money like they claim, they are costing me. I send yet another email once I saw the funds came out. I have yet to have a response back from the company and its been 10 days. When you try to call nobody ever answers and you can not leave a voicemail. They promise someone will respond within XXXX hours of an email but that is not the case.
Consumer complaint received 2023-08-10
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)

This CFPB complaint was a follow up just for assurance that the XXXX, Equifax and XXXX Credit Bureaus will not be negligent and will know that this topic was urgent. As I can tell that someone has stolen my identity. I filed a formal report to the FTC, and in accordance with the provisions of FCRA XXXXection 605B ( 15 U.S.C. 1681c-2 ), I have included that report to this complaint and will do it again. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

Today, XX/XX/2021, I received a statement via snail mail for a TD Convenience Checking account for the period XX/XX/2021 - XX/XX/2021. I did not open the account. I immediately called TD Bank XXXX to inform them of the fraud. I spoke with '' XXXX '' who said that he would speak with the fraud department and let them know. I asked him to email me a statement that I had reported the fraud, as proof that they are aware of the fraud and that I have reported it. He refused. I insisted that I need some proof that TD is aware that it is fraudulent, in case somebody tried to take out a loan or credit card in my name. He refused, then hung up on me.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear Consumer Financial Protection Bureau, I am writing to follow up on XXXX  previous complaints I have filed against XXXX and TransUnion regarding their failure to provide details of their method of verification of disputed public record items on my existing credit reports. 

Despite my repeated requests, both XXXX and TransUnion have refused to disclose the specific details of their verification process for disputed items on my credit reports. These requests were made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to request verification of items on their credit reports and mandates that credit reporting agencies disclose the specific method used to verify disputed items upon request. Both XXXX and Transunion simply respond that they use 3rd parties, refusing to disclose the source which is sharing my personal and private information. 

I have requested XXXX and TransUnion to provide details of their method of verification for these items on XXXX separate occasions, but they have consistently refused to do so. 

This refusal to comply with my lawful requests is a clear violation of the FCRA and denies me my rights as a consumer to ensure the accuracy and completeness of my credit reports. Without knowing the specific details of the verification process, I am unable to effectively dispute any inaccuracies or errors in the information reported by XXXX and TransUnion. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate enforcement action against XXXX and TransUnion for their failure to comply with the FCRA. Additionally, I request that XXXX and TransUnion be required to provide the details of their method of verification for the disputed items on my credit reports, as mandated by law. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the rights of consumers under the FCRA. 

The previous complaint numbers are as follows : XXXX Filed on XX/XX/24 XXXX Filed on XX/XX/24 XXXX Filed on XX/XX/24 The CFPB 's primary responsibility is to protect consumers in the financial marketplace by promoting fairness, transparency, and accountability among financial institutions and service providers. Merely allowing a credit reporting agency to give a simple response to complex complaint and closing said complaint is not doing that. I ask that the CFPB enforce 15 U.S.C. 1601 in full.
Consumer complaint received 2023-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (VA)

I am a victim of identity theft, my information has been used on several accounts that I have no knowledge of. 
credit card identity theft bank accounts identity theft apartment leasing identity theft I believe it was my mother or grandmother that did these things unlawful fraudalent acts and should be held accountable for fraudulently using my social security number to open accounts. Now as an adult I am sufffering trying to move forward in life.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Johnson Mark LLC (AZ)

Card was sent to address I no longer live at and carD was use to my beknowst now I have a judgement and I am not responsible for these charges at all I live at XXXX XXXX XXXX XXXX XXXX XXXX  card went to XXXXXXXX XXXX  someone got ahold of mail and used my card now I am responsible for these charges and now I lived in XXXX and my info has been sent to collections agency which I am not paying for this at all