davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/2022, I opened a new checking and savings account. I created a customer log in, paid the credit union membership fee immediately, and began to set up deposits from my other financial institutions to fund my new checking and savings account. 
Suddenly, without warning, I was logged out and unable to access my new accounts. I immediately contacted my new bank and I was informed that I was accused of not having served in the United States armed forces. I was also accused of not being who I am ( identity ). I provided personal information to the phone banker in the security department. She began to attempt to persuade me to move on stating the Navy Federal Credit Union only accepts members who where XXXX XXXX! The website does not state anything of that alleged policy! She did not provide me my application ID, account number, or access number that is required on the security appeal form. 

I emailed the security department all requested documents. 
-appeal form -XXXX XXXX ( reason of my discharge are not required even though she demanded that ) -Drivers license copy -Proof of address ( county property tax bill ) I call to follow up and continue to be blow off and avoided
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (IL)

On XXXX, XXXX, 2021, without my authorization, XXXX, an employee from Best Buy requested a new credit card under my name. That night, I received a notification from XXXX letting me know that a new credit card had been requested and that a HARD INQUIRY was posted on my credit report. I had no idea why he did that, when I was at the front desk of the store, I requested a copy of my receipt from a previous purchase, ( There was no reason why he would request a new credit card because I have had a credit card from BestBuy/Citibank for over 10 years. 
The next morning, I did several things, one I called the XXXX number to confirm the notification from XXXX and they said yes, there is a HARD INQUIRY for a credit card from BESTBUY/CITI BANK XXXX and they recommended to freeze my account to prevent more problems. Then I went to BestBuy and I requested to speak with the General Manager, XXXX XXXX. I told him that I was very upset because I did not request I new credit card and it put a HARD INQUIRY on my credit report. He said that employees don't get any bonuses or rewards for getting people to sign up for new credit cards. And he offered to pay for the removal of the HARD INQUIRY and to keep an eye on XXXX and to watch the recordings to see why he is doing this. Ever since, I have been calling BESTBUY and CITI BANK to resolve this problem, but they don't fallow through. I also went to the XXXX Police Department to file a complaint. I also reported this to the FTC. Unfortunately, XXXX is not doing anything either. I sent to XXXX all the document they requested but they just don't follow through either. I call the BestBuy Credit Services every time I get a letter from them to let them know that they have the wrong address and that my name needs to include my middle initial, because XXXX claims that they don't receive anything from BestBuy under my name. Today, my Neighboor just dropped off another letter from BestBuy Credit Services with the wrong address and my name without my middle initial. XXXX will not do anything if the request to remove the hard inquiry does not match exactly how my personal information is in their system. Please help me!!!
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the date of XX/XX/XXXX I had my money stolen from my bank account without my authorization I dont know how that happen because my card has always been with me and I dont share my card with anyone else. I had {$1000.00} taken out from my bank account from this bank XXXX XXXX and this is the place where the money was taken out XXXX XXXX XXXX XXXX XXXX XXXX XXXX .after seeing that I called the XXXX Bank of America support center and they froze my account and replace it with a New card. They are investigating right now and it says that it can take 45 days. Im out of money and I need it to pay bills I filed a police report already with my local police here in XXXX XXXX. Please help because a lot of people in my situation are been taken advantage by the criminals and we are suffering. We want them to be XXXX  and have a solution to this ongoing problem.
Consumer complaint received 2020-12-18
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (SC)

I sent out a verification of debt letter to Lanier collection agency. A third a party collection agency for XXXX XXXX XXXX XXXX XXXX in XXXX, Georgia. While attempting to validate the debt through the collection agency the collections agency had violated hippa. I did not give written or verbal consent for XXXX XXXX XXXX XXXX or authorization to XXXX XXXX XXXX XXXX  to share my personal information what a third party collection Lanier collection agency and services. I did send a letter letting them know that I would contact and make a report and complaint with the federal trade commission. I also placed In the later that I will sue the company for giving out my personal information. They violated hippa laws by disclosing my personal health information to a third-party collection agency.
Consumer complaint received 2022-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a few hard inquiries on my credit report from XXXX XXXX and capital one and I didn't authorize and I didn't give permission for my credit to be ran. I would like for those inquiries to be reflected as deleted off of my credit report.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2016-09-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

XXXX packets ( XXXX pages each ) of Foreclosure paperwork with a preliminary loss affidavit were left on my front porch. I NEVER received any certified paperwork prior to this finding. One packet was taped to the front door with black electrical tape, and the other identical packet containing names, birthdates, social security numbers, humiliating private foreclosure information was strewn throughout our neighborhood. We are not squatters living in a abandoned home? I am not irresponsible and have 3 years of documents and supporting proof that I have been trying to get a loan modification with Wells Fargo. I have a story like so many others, My spouse left me and I am raising XXXX children in our home and neighborhod of 17 years. I am a full time employed for 28 years as a XXXX who lives a very private life. One of these packets that was left on my doorstep, NOT in any sort of envelope was strewn throughout my entire cul de sac and many pieces were returned by neighbors. Returned to my children who did not need this additional XXXX of potentially losing their safety and security! 
It was obvious to ALL who returned it 's pieces that it was foreclosure paperwork. Humiliating and embarassing and resulting in stigma and harassment. I am not even certain that all of the paperwork has been returned and it is HIGHLY CONFIDENTIAL. Why wasn ; t it treatedas such. Despite is being public record through the court system, this type of negligence is demoralizing and damamging forever especially to XXXX innocent XXXX and XXXX children. Why was the information not attempted to be delivered certified mail? There should have been two attempts with receipt requested left on door similiar to when I receive a package?
Consumer complaint received 2022-09-27
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. (MS)

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX # XXXXXXXX XXXX  # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX # XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2021-05-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

On XX/XX/XXXX at approximately XXXX XXXX I was sent a phishing scam that allowed access to my coinbase account. Although I acted quickly to disable my account, approximately {$170000.00} worth of digital currency was converted to XXXX and sent to a wallet without any in house measures by coinbase to stop or cease the transaction. I tried calling them, filed a complaint, but they have no live agents, or automated methods to help me, and have not contacted me in anyway.
Consumer complaint received 2018-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I sent out certified letters to Capital Auto Finance on XX/XX/18, XX/XX/18, and XX/XX/18 requesting to validate a debt they claim I owe. From the last certified letter I sent them on XX/XX/18 that was received on XX/XX/18 @ XXXX, they have not responded back in the time frame allotted which is a violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I advised them that I was maintaining a careful record of my communications with them for the purpose of filing a compliant should they continue in their non-compliance of federal laws under the Fair Credit Reporting Act. As they've violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item from my credit reports.
Consumer complaint received 2018-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have long used third party apps to help me, budget, save, and invest my money by permitting these apps access to my CapitalOne 360 checking account.. 

Sometime in XXXX CapitalOne increased their security in such a way that it has restricted access to the third party apps I have permitted and frankly have come to rely on. 

I really think CapitalOne 360 Checking is great but after restricting access to my funds essentially, Ive had to consider closing my checking account. 

Please fix this CapitalOne.
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (FL)

want to state that this complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EXPERIAN credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote EXPERIAN a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. EXPERIAN is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX XXXX XXXX - XXXX INQUIRY - - Attached is the letter i wrote to EXPERIAN in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX  should not be reporting to XXXX  ; XXXX  and Transunion a collection/chargeoff in the amount of {$570.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was paid off by the insurance company and should not be reporting as a collection/chargeoff. I have attached a copy of the payment history and any outstanding balance that was due was paid by the insurance company. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX to remove this however, I have not been successful.
Consumer complaint received 2018-07-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There was a fraudulent charge with my debit card. I did not make a purchase and someone charged XXXX dollars in equator. I informed the bank within 2 business days and filed a fraud claim. The bank denied the claim and said they would take my funds.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

In XXXX of 2021, I received a signed letter from XXXX  XXXX the District Manager of the Bankruptcy Court of XXXX stating that they do not furnish information to the Credit Reporting Agencies. She clearly stated that you can access the information for a fee of {$31.00} on the XXXX  website or you can use the public terminal at the courthouse free of charge. 

On XX/XX/2021, I got results back from CFPB Case # XXXX in which I disputed this same bankruptcy with XXXX who is the vendor to all three major Credit Reporting Agencies XXXX The results were this : Our records show on XX/XX/2021 and XX/XX/2021, XXXX XXXX also contacted the XXXX Consumer Center directly, in which he wanted to dispute the reporting of the same bankruptcy record. 
Re-investigation results : In response to XXXX XXXX complaint filed with your office, XXXX removed bankruptcy record case number XXXX from his XXXX file. A resolution letter along with an updated consumer report has also been mailed to XXXX XXXX for his review on XX/XX/2021 If XXXX XXXX has any questions regarding how and what information is displayed on a credit bureau report, XXXX XXXX will need to contact the credit bureau directly. 

For this dispute, XXXX contacted the following source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - ( XXXX ) XXXX
Consumer complaint received 2022-07-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NJ)

The below was sent with an old email that I can't open anymore to see response. This is a second account being made by me with new email. Can response be sent here or what do I need to do. This is XXXX XXXX Old email : XXXX New email : XXXX Thank You This ticket ( # XXXX ) has been updated. 

Hi XXXX, Thank you again for your submission to the FCC. The FCC 's role in this process is to facilitate a conversation between you and your provider. We received a response from your provider to your XXXX XXXX. XXXX. 

Here 's what happens next : - Your provider is required to send you a written copy of its response. Keep in mind, If the carrier sends the response by postal mail, it could take up to 10 days for you to receive the response. 
- Please review your provider 's response. If the issues you raised in your ticket remain unresolved, you can reply directly to this email with a short description of the problem. 
- Keep in mind that billing adjustments or other actions by your provider could take time to implement. 
- If we do not hear from you within 30 days, your ticket will be closed. 
- If you have new issues with your provider, you can file an additional complaint by going to : consumercomplaints.fcc.gov This email is a service from FCC Consumer Inquires and Complaints.
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (MS)

My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against ( Afni Inc. ) for committing identity theft. I have never given ( Afni Inc. ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from ( Afni Inc. ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( Afni Inc. ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Afni Inc. ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Afni Inc ) continues its collection efforts, I will file for litigation for actual damages caused and ( Afni Inc ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 

XXXX XXXX
Consumer complaint received 2021-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

I had an old medical account in which Transworld system picked up i called and asked if i paid the debt will it be removed from my Credit report they stated yes pending payment this was now 3 yrs ago an it has a negative impact on me trying to purchase a house. The company is refusing to help.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
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. (CT)

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.

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.