davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I disputed a charge with my credit card issuer, Capital One. The disputed charge was for items not received as described/incorrect item, billed on XX/XX/22. for {$380.00}. The merchant from which the item was purchased was XXXX who did not rectify the issue. I filed a dispute with Capital One regarding this transaction on XX/XX/22. On XX/XX/22 I received a letter from Capital One stating that more information was needed as XXXX had reported to Capital One that I had not reached out to XXXX. Capital One requested a copy of the invoice, information/evidence to support how the merchandise ordered differed from what was received, a statement that included the number of times the merchant tried to correct the problem, a description of how I tried to resolve the dispute with the merchant, and finally " a second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected, and what it will cost '' to be provided by XX/XX/22. I provided the original order invoice/receipt, a detailed letter outlining why the merchandise I received was incorrect, pictures of the item/how it differs from what I ordered, evidence of correspondence with XXXX, and details of what my interactions with XXXX on XX/XX/22. The only thing I could not provide was the second opinion on company letterhead from a merchant in the same field. This to me is an unreasonable request from a consumer ; how am I expected to have a signed letter from a merchant similar to XXXX on company letterhead to provide a second opinion within 3 weeks? The entire point of the dispute is that Capital One is the second opinion in the matter ; I should not have to provide a second opinion. Capital One responded on XX/XX/22 denying my dispute as it " lacks all of the previous requested information. '' I provided ample evidence of XXXX wrongdoings in the dispute with photographic evidence of the item in question, copies of XXXX policies, and proof that XXXX had lied to Capital One when they stated I had not filed a claim with them. This should be more than enough to validate my dispute and a consumer should not be expected to provide a " second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected, and what it will cost '' as this is unreasonable, especially when considering the merchant in question is an entity such as XXXX.
Consumer complaint received 2023-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST NATIONAL BANK OF OMAHA (OH)

I had my wages garnished for a credit card debt that was bought by XXXX. The total amount was sent to my employer and was completed in XXXX of XXXX. I have now received communication from this debt collector for additional court costs. Now they are threatening to garnish my wages again which could end up costing me my job.
Consumer complaint received 2022-05-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OZK (GA)

Bank OZK has failed to pay me, they sent this PDF, the PDF did NOT come with a check and I HAVE NOT RECIEVED A CHECK IN THE MAIL AS I REQUESTED IF THIS BANK DOES NOT PAY ME ASAP I WILL ESCALATE THIS TO LAW ENFORCEMENT. YOU CAN NOT PRETEND TO PAY ME VIA CFPB AND NOT PAY ME> I WANT MY MONEY NOW!
Consumer complaint received 2015-04-23
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed) (HI)

Contacted by Concord XXXX, XXXX stating I owed {$300.00} from an outstanding payday loan from XXXX 2011 from XXXX XXXX. They had the last XXXX digits of my ss #. I stated this was not my debt but they stated their was state and federal confirmation that this was a valid debt and collection procedures would be starting. I tried to get them to explain how I resolve this matter since it was obviously a scam and they hung up on me. 

Tried to call back but they said they would transfer me to my case manager even though they did n't even ask for my name! Sounded like the same guy that hung on me the first time I called. 

Was on hold and no one ever came on the line.
Consumer complaint received 2022-05-15
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: EQUIFAX, INC. (FL)

CFPB Write up XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX, equifax, XXXX
Consumer complaint received 2022-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX Has violated my rates. 



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

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-15
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. (FL)

Subject : Formal Complaint Against XXXX XXXX XXXX, XXXX, Experian XXXX XXXX for Violating Consumer Rights To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXXXXXX XXXX  for blatant violations of my consumer rights. Despite multiple attempts to resolve the matter directly with the bank, I have received no responses or assistance, leaving me no choice but to escalate this issue to the appropriate regulatory authority. 

As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am invoking my rights outlined in 15 USC 6802. This statute grants me the authority to opt out of any and all authorizations, whether written, verbal, or non-verbal, that I may have previously granted to the bank. This opt-out is effective immediately, and I expect full compliance from XXXX XXXX XXXX XXXX 

Furthermore, I urge you to consider the provisions of 15 USC 6802 and 15 USC 6805, which clearly outline the responsibilities of financial institutions regarding consumer privacy and data protection. XXXX XXXXXXXX XXXX XXXX disregard for these crucial statutes has resulted in a breach of trust and a violation of my privacy rights as a consumer. 

Additionally, I want to emphasize that as a consumer, I am entitled to the protection afforded by all laws stated in the Privacy Act of 1974. This legislation safeguards individuals like myself from unwarranted invasions of privacy and ensures that financial institutions handle personal information responsibly and ethically. 

I expect the CFPB to thoroughly investigate this matter and take appropriate action against XXXX XXXXXXXX XXXX for their failure to uphold my consumer rights. Furthermore, I request that you provide me with updates on the progress of this investigation and any steps taken to rectify the situation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (NC)

I lost my job after being hit by a car XX/XX/2022. I am not eligible for short term disability or unemployment and Im living in a hotel. I had to set up a payment plan for a credit card and they debit my account twice a month and I never know when it will come out. On the XXXX of XXXX my account was debited the {$88.00} and on that same day I deposited {$700.00} cash after pawning all my jewelry. They still charged me the NSF fee. When the bank was Bb & t they would never have charged me now that my bank changed to Truist they charge every penny they can get out of me. They are awful. They caused me to get two credit cards closed during their merger and ruined my credit and Im trying to rent an apartment. I am stuck in a hotel and every penny I have is very important to me with no job no money coming in no unemployment. My job just fired me after I tried to file for short term disability after a car hit me while walking my dog XXXX XXXX XXXX XXXX XXXX XXXX these people are inhumane.
Consumer complaint received 2019-07-23
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 — Was not notified of investigation status or results
Company: Action Revenue Recovery, LLC (LA)

After receiving my credit reports noticed a company named Action Revenue Recovery had placed an account in the amount of {$490.00} on my reports. I've disputed the information asking for validation of the account and I have not received a response from the company. I do not believe this information is correct and I ask that it be removed from my credit reports promptly.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (NC)

I will like to request a security freeze and address update on my file. The correct mailing address is XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX.
Consumer complaint received 2022-05-18
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 — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

There is some unfactual information on my report and needs to be removed from my credit file immediately. My information was stolen after someone broke into my house and I have been seeing many requests to open accounts in my name that I have not requested. I have no knowledge of this and I am requesting that this be removed.
Consumer complaint received 2015-12-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Resurgent Capital Services L.P. (MA)

XXXX XXXX solutions sent a wage verification form to my employer I called them to find out what was going on I asked for verification of dept as I think it was already paid and was told they do not have to verify anything and there will be no settlement with them if I keep asking so they want me to pay them XXXX and I have no proof I owe anything this is not on my credit report and from XXXX XXXX XXXX card taken out in 2002 I am trying to go over my paperwork to see if it was paid but they are now threatening to garnish my wages
Consumer complaint received 2022-05-15
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MS)

My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately
Consumer complaint received 2022-05-18
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 already submitted a Complaint to XXXX, XXXX, and Transunion Credit Bureaus last XX/XX/XXXX requesting the verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 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. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. States I have 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.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is wrong, the last date active is wrong, and last date is not accurate. This is ground for removal and my rights were violated under the law 's. 

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
Consumer complaint received 2022-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is wrong, the last date active is wrong, and last date is not accurate. This is ground for removal and my rights were violated under the law 's. 

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
Consumer complaint received 2022-05-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX  XXXX ( XXXX, Open Date XX/XX/XXXX, High Balance {$1200.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, and XXXX XXXX Account # XXXX have 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
Consumer complaint received 2022-05-15
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. (TX)

IN accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

Im Accordance with the fair credit reporting act XXXX account # XXXX Has violated my rights. 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 cannont Furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an opening consumer credit plan as late for any purpose.
Consumer complaint received 2019-02-12
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. (VA)

I purchased a van through XXXX  XXXX XXXX in XX/XX/2015. The vehicle was purchased for {$23000.00} Made 12 payments. after a year and half i had financial difficulties and the vehicle was repossessed by the bank. However after that the bank has been notifying credit bureau for the original amount even though I had made total of {$5700.00} and they sold the vehicle at the auction for {$9800.00} ( is what they told me ). I have been disputing wrong information with the bank and all three credit bureaus but the bank has been insisting on feeding all three major credit bureaus with incorrect information. Still, after countless disputes and calls I have made. So far no good luck. They do not want to correct the information.
Consumer complaint received 2019-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (LA)

I received a fraud alert text from Chase Bank on Wednesday, XX/XX/XXXX at XXXX XXXX  and within minutes, I alerted Chase Bank that there were 3 unauthorized charges to my debit card ending in the number XXXX. The unauthorized charges are as follows : XXXX XXXX - {$25.00} on XX/XX/XXXX XXXX XXXX NY - {$27.00} on XX/XX/XXXX XXXX XXXX XXXX XXXX  CA - {$63.00} on XX/XX/XXXX After the text on XX/XX/XXXX at XXXX XXXX, I promptly called Chase to dispute these charges, to cancel that debit card, and to get a new one reissued. I was given a " temporary '' credit for each transaction and I received my new debit card on Saturday, XXXX XXXX, XXXX. I even used the new card today which is XX/XX/XXXX. 

When I went to check my balance today, I noticed there was a new charge on XX/XX/XXXX for {$10.00} at XXXX XXXX AGAIN for {$10.00}! How could this be after I had already reported that card stolen on XX/XX/XXXX! 

SO, I called Chase Bank and was told by not one, but TWO people at Chase Bank that the card ending in XXXX was not " really closed '' and that someone had reopened it. I asked how this could even be allowed on a card that had a fraud alert and that I closed. I also asked how there could be 2 active debit cards on 1 account since I had received he new one and used it today. The second girl said she had to transfer me to an escalation department. When I spoke to the gentleman that answered the phone next ( He said his name was XXXX XXXX, he said that those 2 previous people must be mistaken and that the charges must have been charged previously, and then run through again. I demanded to know how this could be possible and I said I would be reporting this to the CFPB. When I said that, he said he couldn't talk to me anymore and that he was transferring me to an executive department. I sat on hold waiting to talk to them for 10 minutes and gave up.

How is it that a card I reported stolen on XX/XX/XXXX of XXXX, and that had already been closed, replaced, and in my possession by XX/XX/XXXX, could incur a charge on XX/XX/XXXX? Has Chase been hacked? Are there untrustworthy employees inside Chase? 

I need some answers. Please investigate. Thank you.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

I disputed XXXX unauthorized branch withdrawal transactions of my Wells Fargo checking account and XXXX unauthorized atm transactions which were done on my checking account ending in XXXX. I disputed these transactions with Wells Fargo last year all the way to this year and they are still denying my claim. Im holding them responsible for the fraud because they was careless by not appropriating my my funds properly
Consumer complaint received 2021-10-29
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: Bridgecrest Acceptance Corporation (MS)

I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like these inaccurate information to be removed. 

XXXX BRIDGECREST XXXX XXXX XXXX XXXX