davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I probably did not select the correct options, but that is a problem with hard coded web pages in the first place. My issue is that one Friday, XX/XX/XXXX, I received multiple emails from Capital One on each step of the opening of my XXXX Checking account. 
The problem is I did not apply for or open any account with Capital One. I have received an Application ID : XXXX. 
Another email provided the following information : <my name> XXXX XXXX Routing number XXXX A search online shows that is the correct routing number for Capital One. Obviously the last four only for the checking account number is useless. 

I made frequent calls to different phone numbers for customer service for Capital One. They were all useless and a couple were downright rude. They want my social security number. I did not open any account with them, I am not giving out my social security number, and since someone else is trying to open this account, how would my SS # be any use to Capital One looking up my account? Once said I need to go to a Branch, this could not be solved over the phone. There are not any branches within XXXX miles of me ( branch locator on their web page ). My situation was never escalated to a higher tier or management. This is absolutely ridiculous. Normally I would not believe the emails as they could be phishing attempts, but checking the web page certification shows it is certified by XXXX to Capital One Financial Corp, XXXX Virginia. Which all seems legit. 
I would like to know what recourse against Capital One I can take. I'd like affirmation this account has not been opened in my name without my knowledge or consent. Any help is greatly appreciated.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/2022 my parents wrote me a check for {$2000.00}, I submitted the check via mobile deposit. XX/XX/XXXX Citi bank froze my funds without notice, I called in to see exactly what was happening when I was informed they believed the check was fraudulent and would be closing my account. I was told it would take 30-60 business days before the account is closed and any funds would be sent out to me after pleading my case and explaining to them the check was written y my dad and that I could have him verify his check with his bank I was told that would be satisfactory and I could then appeal the decision, after my dad spoke with his bank they informed him nothing was wrong with the check and no reports of fraud were sent or received, I called Citi bank back informed them of this and the rep continued to speak over me as much as possible and just hung up the phone on me.
Consumer complaint received 2022-02-11
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. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-03-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (NY)

I was in the process of trying to get a condominium when I notice a new negative account appear on my credit report the name of the company is enhance recovery company llc a company I have never done business with before.

I did some research to find out who this company was and realize there are a lot of complaint against this company. So I wrote different letters and sent it to each of the leadership team members of the company 1. XXXX XXXX XXXX, Chief Compliance Officer 2. XXXX XXXX XXXX, Co-Founder/Exec. Chairman 3. XXXX XXXX XXXX, CFO 4. XXXX XXXX, CEO These letters was mailed certified mail with tracking. It was mailed XX/XX/2022 and it arrived at enhance recovery company llc facilities XX/XX/2022. 

To date I have not receive a response from them.
Consumer complaint received 2018-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

I opened a checking account with HSBC on XX/XX/XXXX with a with a large initial deposit. The account was approved and the HSBC withdraw the funds from my external account. On XX/XX/XXXX I attempted to login to my account and received a notice that the account was suspended and to call a certain number. 

I called the number and after 30 minutes was told that I was speaking to HSBC XXXX, not US. I called a different number and was put on hold for 1.5 hours and had to hang up. I tried again at XXXX XXXX and was on hold for 2 hours before the call was disconnected. I am just trying to figure out why the account was suspended and how to fix it but I can not get through to anyone. While I am waiting I do not have access to my money.
Consumer complaint received 2024-03-06
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. (PA)

I just received my payment status changed from current to late for specific dates. These dates include XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XXXX XXXX i was never late on this account during those periods. 
I asked the company multiple times to provide evidence of any transactions showing that you were late. This is a reasonable request, especially if you believe their reporting is inaccurate. In referenced USC 15 1666B, which is a provision in the U.S. Code related to the timing of payments. The 15 U.S. Code 1666b outlines the timing of payments for credit card accounts under open-end consumer credit plans .Please investigate and provide proof and or statements showing that these late payments was late if proof can not be provided i demand these payments be update as current and paid on time
Consumer complaint received 2023-08-22
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. (IL)

I have had a legal name change a while ago and Ive been trying to get it corrected on my Equifax credit report as its affecting my borrowing power. Ive already reached out and corrected my name with XXXX and XXXX without issues. 

My credit score is significantly lower in Equifax than it is in the other bureaus, and my report hasnt been updated since XXXX. 

Ive tried submitting 3 disputes and Im still waiting.

1st dispute - XX/XX/2023 - online their website shows that its still under investigation, but when I call in the agents say that it was closed due to needing more information. I was not notified by email, or by mail about this. I had to proactively call. 

2nd dispute - XX/XX/2023 - mail I opened a second dispute, this time by certified mail, so I could send my documents so there would be no confusion, but Equifax claims they never received my mail. They lost my sensitive documents. 

3rd dispute - XX/XX/2023 - online This is my third dispute to try and get my name fixed on my report. 

I just want Equifax to fix my name so that any reporting is done against the correct file. Lenders cant find me when they query Equifax with my new name.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/2022 Suntrust is rearrange sequencing and charging orverdraft fees to my account. Also, I e had overdraft capability turned off on my account and should not even have transactions go through because I turned off the feature. I went to check to ensure it was turned off today XX/XX/2022 and it was and updated it again. I was charged for a subscription and the XXXX in my account and they dont even have a valid debit card, so Im not understanding why Im being charged. Rearrange sequencing should be illegal and by not honoring the fact that I have turned off overdraft protection, no items should go through.
Consumer complaint received 2022-10-11
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-06-13
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: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-11
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-02
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. (WA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-03-06
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. (GA)

I am writing to dispute and request the immediate removal of fraudulent inquiries listed on my credit report. I recently obtained a copy of my credit report and discovered several inquiries that I did not authorize and have no association with. These unauthorized inquiries are damaging my credit score and are indicative of potential fraudulent activity.
Consumer complaint received 2024-03-06
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-10
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. (CA)

Transunion shows two amounts due to XXXX XXXX XXXX, both from XXXX XXXX XXXX, one for {$67.00} and the other for {$84.00}. I believe these are duplicate charges. I have asked for these charges to be verified and have not received any answer.
Consumer complaint received 2022-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation (AZ)

The XXXX Credit Bureau is reporting inaccurate information on DEVILLE MGMT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2024-03-06
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)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

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 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2021-06-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (CA)

They have been sending me emails everyday threatening to sue me or have me put in jail for i dont pay debt i own i lost my income so i am unable to pay the collection i date have the dates but this situation have really put me in a XXXX really bad and the fact that i can pay the collection {$600.00}
Consumer complaint received 2024-03-06
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. (NJ)

Transunion XXXX XXXX XXXX XXXX PA XXXX Subject : Final Demand for Compliance with Opt-Out Request Pursuant to 15 UCC 6802 Dear Sir/Madam, I am writing to you regarding a matter of utmost importance concerning my consumer rights and obligations under the Uniform Commercial Code ( UCC ). As per my Opt-Out Notice pursuant to 15 UCC 6802, I have formally requested the removal of reported information from XXXX XXXX XXXX from your records. 

Despite multiple requests made by me, XXXX XXXX, Transunion Credit Bureau has failed to comply with my lawful request to remove the reported information from XXXX  XXXX XXXX. It is evident that your refusal to adhere to my request constitutes a clear violation of both my consumer rights and the UCC law.

I hereby issue this final demand for Transunion Credit Bureau to immediately cease and desist from any further delay or refusal to remove the reported information from Bank of America in accordance with my Opt-Out Notice. Failure to comply with this final demand will leave me with no choice but to take legal action against Transunion Credit Bureau for blatant violation of my consumer rights and the UCC law.

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate steps to rectify the situation. Please acknowledge receipt of this final demand and confirm your compliance with my Opt-Out Notice within XXXX  Days.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-06
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. (GA)

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 XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX, Account name:XXXX  progress XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX , Account name : XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also my middle name is missing apostrophe on all documents.
Consumer complaint received 2023-07-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Around the end of XXXX first part of XXXX I recieved a card from Bank America. I called up and informed the lady that I changed my mine and did not want the card that I did not activate it that I cut it up. She said no problem as long as I did not activate it. On XX/XX/XXXX I talked with person from fraud department Name of XXXX explained what had happened and I was being charge {$2800.00}. He said the account was closed. On XX/XX/XXXX talked to XXXX he said the same thing. I ask him then why am I being charged for a service I never authorized. He said the account is under review and closed. On XX/XX/XXXX talked to XXXX she said she would reopen the claim under a different type. On XX/XX/XXXX got a statement from Bank America showing two different accounts which I never requested. One says account ending in XXXX closed new account XXXX saying I owe {$2800.00} which I have no idea where that account came from. I keep telling them to check the phone recordings and it will tell the whole story from day 1. Which they are not doing or I would not be in this.