davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-29
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: AMERICAN EXPRESS COMPANY (GA)

Reference CFPB # XXXX. 

On XX/XX/2019 a fax was sent to AMEX / Bluebird regarding restitution of late fees incurred on other accounts ( storage, medications ) due to AMEX / Bluebird negligence to prevent fraudulent transactions.
Consumer complaint received 2022-05-23
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. (CA)

Upon reviewing my updates, incorrect information are being reported to my personal credit file. I sent them letters requesting the verification and deletion of unauthorized inquiries I found on my Credit Report dated XX/XX/XXXX. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXXXXXX XX/XX/XXXX 3. XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XXXXXX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX 19. XXXX XXXX XXXX XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XX/XX/XXXX 22. XXXX XXXX XXXX XX/XX/XXXX 23. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX 25. XXXX XX/XX/XXXX 26. XXXX XXXX XXXX XX/XX/XXXX 27. XXXX XX/XX/XXXX 28. XXXX XX/XX/XXXX 29. XXXX XXXX XXXX XX/XX/XXXX 30. XXXX XX/XX/XXXX 31. XXXX XXXX XXXX XX/XX/XXXX 32. XXXX XX/XX/XXXX 33. XXXX XX/XX/XXXX 34. XXXX XX/XX/XXXX 35. XXXX XX/XX/XXXX 36. XXXX XXXX XXXX XX/XX/XXXX 37. XXXX XXXXXX/XX/XXXX 38. XXXX XX/XX/XXXX 39. XXXX XX/XX/XXXX 40. XXXX XXXX XX/XX/XXXX 41. XXXX XXXX XX/XX/XXXX 42. XXXX XXXX XX/XX/XXXX 43. XXXX XXXX XX/XX/XXXX 44. XXXX XX/XX/XXXX 45. XXXX XX/XX/XXXX 46. XXXX XXXX XX/XX/XXXX 47. XXXX XXXX XX/XX/XXXX 48. CAPITAL XXXX XX/XX/XXXX 49. XXXX XXXX XX/XX/XXXX 50. XXXX XX/XX/XXXX 51. XXXX XXXX XX/XX/XXXX 52. XXXX XX/XX/XXXX 53. XXXX XX/XX/XXXX 54. XXXX  XXXX XX/XX/XXXX XXXX. XXXX PREMIER XX/XX/XXXX
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (PA)

I file this against XXXX XXXX debit relia card .on XX/XX/XXXX i did not get my money when i went into the XXXX XXXX to make a cash withdraw with the XXXX XXXX debit relia card XXXX XXXX XXXX XXXX valid thru XX/XX/XXXX security code XXXX of {XXXX}. i please ask for it be refunded on to my card.i file this complaint againt XXXX XXXX debit relia card company. There cameras in that it will show i did not get my money. I ask for a refund
Consumer complaint received 2024-02-17
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. (NY)

I hereby submit this complaint in response to the recent investigation. I disagree with the findings and request complete accuracy. I am dissatisfied with the efforts made to rectify the reporting of information on my Experian report. Consequently, I seek further clarification on the following items in question within my Experian credit report : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2023. As previously stated, pursuant to FCRA section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report # XXXX You are granted fifteen ( 15 ) days from receipt of this correspondence, in accordance with 15 U.S.C. Section 1681i ( 5 ) ( A ), to complete these actions unless otherwise notified. Failure to verify within this timeframe constitutes non-verification, necessitating prompt deletion as per Section 1681i ( a ). Kindly inform me, pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, upon the erasure of the mentioned items. Subsequently, please furnish an updated copy of my credit report to the aforementioned address.
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (MI)

I sent a certified letter to Spring Oaks Capital in XX/XX/XXXX to dispute this so-called debt they say I owed. I did not receive any information back from them till XX/XX/XXXX. That included a credit card billing statement and a collection account being added to my credit report damaging my credit history. This is in violation to the FDCPA and the FCRA. The information on the credit report is incorrect according to this billing statement they sent me it's stating I owe {$600.00} on my Credit Report, Spring Oaks Capital statement states {$600.00} and this credit card statement states {$360.00} all different!! ( Violation # 1 ) Original Creditor states XXXX  XXXX XXXX XXXX  this statement states XXXX. Who is the creditor? ( Violation # 2 ) Lastly, Spring Oaks Capital waited 9 months to send me a billing statement to so-call verify this debt really? ( Violation # 3 ) This is unheard of, needs to be fixed and removed from my credit report immediately.
Consumer complaint received 2021-11-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Omni Financial Corp. (NC)

I am a consumer as identified in FDCPA 15 USC 1692 a ( 3 ) and I have a right to privacy pursuant to 15 USC1681 ( a ) ( 4 ). 

XXXX XXXX XXXX XXXX is in violation according to the XXXX XXXX for comprising my information to XXXX. I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. 
Also Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the XXXX Act. The FTC is one of the federal agencies that enforces provisions of XXXX XXXX , and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the Safeguards Rule, which requires all financial institutions to maintain safeguards to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. ''
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (SC)

I was solicited by Citibank to open a new checking account that had a promotion attached to it with a certain level of deposit I was eligible for a {$400.00} bonus after 60 days. It was due to be credited to my account in XXXX and it has not and it is now XXXX. Starting XX/XX/XXXX I called weekly to customer service and was never given a straight answer why the promotional bonus would never credited to my account and they never resolve this issue. It feels like they wanted more deposits for their bank but they're not taking care of the customer and they are using misleading advertising and misappropriating funds that I am due.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

XX/XX/2022 while checking my report I corrected my personal inforamtion with documents like my state ID, and a proof of evidence this information was ignored and re-investigated and updated to no no change at all. The exact same items on credit report and after the re-investigation these accounts remain the same. The companies say they updated after re-investigation but the same inaccuracies remain. There were no re-investigation nor investigation from the start.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

this is not a case against transunion. however, i would like for them to know that my account with XXXX XXXX XXXX is now under investigation by the North Carolina Department of Justice XXXX XXXX XXXX as of XX/XX/2021. i will attach documents to show this information
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Attempt to open an account thru Bank of America using my SS #, name, address etc. Per Bank of America request was " red flagged '' and will take 90 days to process correction. This has been reported by me to credit bureaus and Post Master as fraud. Please advise any further steps on my part on protection of my personal information.
Consumer complaint received 2022-05-23
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)

I have been disputing Fraudulent Information on my credit report since XX/XX/2021 and I have been waiting for the response from the Credit Bureaus but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXXT XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXXL XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-05-23
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. (CA)

I have been disputing Fraudulent Information on my credit report since XX/XX/2021 and I have been waiting for the response from the Credit Bureaus but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-11-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (GA)

Approximately a year ago, there was a fraudulent attempt on my account to use the integrated XXXX application to transfer money out of my account. I caught it in time and asked Regions Bank to disable my integrated XXXX app which they did. 

A little over two months ago, I was elected as XXXX of an organization and needed to use the XXXX app to receive funds from the members such as dues, contributions and other activities. Since I asked them to reactivate it, they have been unable to do so. The first couple of attempts resulted in my XXXX account having a block still on it. After several more attempts, they advised that it was fixed. Not so. I can send money with it but can not receive money which is exactly what I need to do. 

The bank has been rather cavalier in their approach to correcting my problem. I have even suggested they contact me one a week for an update on their progress. They have not done this. 

There must be a fix to this problem but they seem in no hurry to discover what that may be.
Consumer complaint received 2021-11-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Locate Source America, LLC (NV)

On XX/XX/XXXX I noticed that funds were being taken out of my paycheck regarding a garnishment. The documentation provided to my employer was from a judgement from XX/XX/XXXX sent to an address that I did not reside at for an owed amount of {XXXX} in principal and {$XXXX additional interest and Attorney fees creating an owed amount of XXXX A Filed Case was done in XX/XX/XXXX over XXXX  years after the original judgement to which the debtor claims {XXXX} interest with an XXXX % or {XXXX  per day has accumulated bringing the new owed balance of {$XXXX}. The statute of limitations is XXXX years in Nevada and this is for a debt that has passed the statute with interest that has tripled over the original amount in XXXX. The debtor sent the notification to an address that I did not reside at nor have they made any connections regarding this matter. I did open a claim with the XXXX XXXX XXXX which the debtor says they have made contact with me and is refusing to provide information regarding the debt. I have sent certified letters to the debtor trying to obtain a letter of validation of debt which the debtor refuses to provide. The addresses on file for the debtor are addresses where the company does not reside at. The company is XXXX XXXX XXXX XXXX  where the address on file are : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( address is an apartment complex with no apartment number ) and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( address is an dentistry as well as an return certified letter for undeliverables ). I finally found an address for the company at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX where I did send a certified letter that was delivered yet the company has not responded. The only conversation I have had with the company has been through my XXXX  claim which the company is denying to provide a letter of debt validation or other information regarding the previous attempts to collect upon this debt. The XXXX case is # XXXX. As of XX/XX/XXXX XXXX XXXX XXXX XXXX  has received {XXXX} and claims {$XXXX is still owed for a debt that I am not aware of, sent to an address that I did not live at, a debt that is past the statutes of limitations to collect upon, and will not relinquish any information regarding the debt or the attempts to collect upon it nor the attempts to contact myself regarding this debt
Consumer complaint received 2024-02-17
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 Docket Identifier XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I've recently requested my credit report from the following credit reporting bureaus ( Equifax, XXXX, XXXX ). My first request was made on XX/XX/2021, I didn't receive a response from any of the following bureaus after the 30 Day waiting period. I included all my personal identificaton forms which they can use to be helpful to verify my identity. After the 30 day waiting period, I then requested for my credit report again through certified mail. I sent out the documents for request on XX/XX/2021, as of today XX/XX/2021 I have only received a report from Equifax still waiting on my other two reports from XXXX, & XXXX. I've been monitoring my report through XXXX XXXX & I noticed accounts in collections which I didn't recognize. Which made me very frustrated, so I decided to sent them a letter of validation the same time I sent the Credit Bureaus Report Request. After a 30 day wait period I still didn't hear a word from neither of them. I then decided to send the bureaus a letter of dispute to dispute those errors from my account, since the creditors have failed to validate those accounts after my validation letter within the 30 day window I requested them to comply with. And then I only receive that one letter from Equifax with a full summary of my credit report and verifying those accounts I disputed. Which in all sense frustrates me because I know they didn't do a thorough investigation, since the creditors never responded to my request. And I have all this traced through certified mail, I still have all of my receipts for the record. Can I potentially file a claim against both bureaus and creditor for this fraud?
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

According to XXXX from Bank of America, the company opened a card in my name on XX/XX/2021. I found out about this upon receiving a card in the mail. I did not open this account. 

I spoke with the fraud department and they closed the account. However, I requested that Bank of America not report this account to any credit bureau, as they have not received my permission to open the account ( it was unsolicited ). I asked them to give me an assurance that this account will not be reported to any credit reporting agency, and they refused, stating that they do not know whether the account will be reported or not, and that I would have to follow up with the credit reporting agencies directly. When I pressed to speak with a manager or someone who was able to make changes to the credit reporting for my account, XXXX hung up on me. 

If they have not reported to credit agencies yet, they need to prevent that damage from being done by turning off credit reporting for the account they opened without my permission. I'm logging this complaint in hopes that the bank will turn off credit reporting for the unsolicited account.
Consumer complaint received 2021-11-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

US.BINANCE has locked my funds for more than 30 days without any response via Email or Ticket Ive submitted at all. Ive used their services for XXXX  years now and this is the first time this has happened. I have {$10000.00} stuck in Us.Binance and they will not help me what so ever! My ticket number is XXXX