davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

I have Accounts with Union Bank & Trust located at XXXX XXXX XXXX, XXXX, VA XXXX. On XX/XX/19 I called the same branch and asked for a manager to talk to as my problem requires some person with good banking knowledge to be resolved. The person who picked up the phone said his name is XXXX and he is a manager.

I asked him that I wanted to go over a {$12.00} penalty that they charged for a cancelled transaction. I provided him, bank account number, and account co-owners name. Number of accounts we have along with the current balance for each of these account.

However, Mr. XXXX was insisting me to provide me my full social security number. I do not know his background and I was very uncomfortable to provide him my full social security number. I offered him my last 4 digit of my social security number and any other verification information he needs. No, Mr XXXX told me that he can not help me without my full social security number or I have to go to their branch with my drivers license. 
Is it legal to ask consumers for the full Social Security number? In banking with large banks like XXXX, XXXX XXXX XXXX and my Mortgage bank, in no time anyone asked for a full Social Security. I wanted to notify you so that you can advise me what I need to do. I will have to stop doing business with Union Bank. We have decided to close our accounts with Union but wanted to share the improper practice by union Bank and Trust
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

I tried to run my credit to obtain mortgage. My loan agent advised that there is freeze on my credit report. Unable to remove the freeze online, I sent in a form and received a letter that there is no freeze on my report on XX/XX/2020. Tried to run my credit again and there is still a block. Ran a report with XXXX, there is still a freeze on my report. Called Experian again and customer service refused to help me stating that any agent would tell me the same thing that there is no freeze. Very unhelpful. When I tried to explain to them that my credit is frozen based on the credit report I just ran, the agent was not interested in the report number. They refused to help me when I asked for a supervisor and then proceed to put me on hold for longer until I give up.
Consumer complaint received 2017-02-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

I received a letter in the mail informing me that my account has been overdrawn {$330.00} for 42 days. I logged into my account and noticed that Wells Fargo allowed multiple withdrawals from third-parties when my account only had a few dollars left. I opened a new checking account with a different bank last year due to their overdraft fee class action lawsuit. I had no idea they would authorize continuous transactions after the first attempt failed then charge me NSF Returned Item Fees until they rack up then send me a letter about collecting a debt. This has put me at odds with Wells Fargo and I do n't even want to be their customer anymore. I have used their services ever since my old bank ( Wachovia ) was acquired by them, and while I 've had a few bad experiences in the past, this particular incident is much larger.
Consumer complaint received 2021-06-04
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. (TX)

Ive disputed with the original creditor XXXX XXXX  XXXX XXXX XXXX because the accounts have been charged off and they still report a late balance every month. Ive disputed via the bureaus with no change these accounts have been closed since 2017 and need to be removed as they dont comply with FCRA rules. Please verify or remove. Thanks
Consumer complaint received 2021-06-04
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. (NY)

I reached out to the 3 credit bureaus months ago and already explained to them those late payments should not be on my report because that was during Covid and that account is in deferment, but till this day I have not received any response to them. They haven't verified anything or showed me any proof that these late payments are factual. I want them updated to paid as agreed because I was never late and this is affecting my credit. Also Its been well over 60 days and this should be an automatic removal for not responding and those inquiries are fraudulent and should not be there as well.
Consumer complaint received 2015-08-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name has never been XXXX not have I ever lived on XXXX XXXX XXXX, TX XXXX I will print my credit report and view all of it to determine whether any of what is reported is n't mine. 

thanksXXXX XXXX
Consumer complaint received 2023-03-30
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. (MA)

In accordance with the Fair Credit Reporting act, " XXXX XXXX XXXX '' Acct # 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 2022-02-13
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. (TX)

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Consumer complaint received 2021-06-04
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. (GA)

I XXXX XXXX. Myself is victim of Identity theft. I am attaching my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2020-10-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2015-03-24
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NY)

I have a Chase business credit card # XXXX with a {$4000.00} credit limit. I have had this card since XX/XX/XXXX. I pulled my credit reports on XX/XX/XXXX and found that the card was n't listed at all on any of the XXXX credit reports. I sent certified letters to all three saying they needed to add the card to my report. Today, XXXX said it is the responsibility of the credit card company to report the card to the XXXX companies. 

So I called Chase and they claimed it is their policy not to report any business cards to the XXXX companies unless the person falls XXXX days delinquent on the card. I explained that it is my card for my business, a sole proprietorship. I said there is a payment history there I want on my report because it is perfect and I am trying to build better credit for myself. They refused to add the card to my credit report. 

I explained that I have another business credit card from XXXX XXXX # XXXX and it appears on my credit report. Chase did n't care. They refused to do what I asked. 
That Chase bank is picking and choosing which cards they would like to report is unfair and is affecting my credit score. It seems like it may even be illegal. That Chase will report the card when your credit is bad ( XXXX days delinquent ) but NOT report the card when I have excellent credit is also unfair. I 'm not sure what to do. Are they breaking federal law? They certainly are not serving the customer with this policy. If I had that additional credit of {$4000.00} on my report, my ratio of debt to credit would go down and I believe my credit score would go up. Can you help me with this matter? 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-21
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: RFNA, LP (AL)

someone open several loans with this company without my permission. I asked the credit bureau to removed these XXXX bad accounts off my credit report, and they refused. even with the provided information that I had sent them.
Consumer complaint received 2018-03-17
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: Experian Information Solutions Inc. (NC)

I am the victim of identity theft, I have been sending letters to all 3 credit agencies and some of them said it has been verified that it was me ... ..? I asked these companies to send me original contracts from the parent company that I allegedly signed and they could not. All some of them sent was copies of transactions that were made ... .. '' PLEASE send me the original contract that I allegedly signed. PLEASE. 

XXXX XXXX ... .Please send me original signed copies from parent company. 
XXXX XXXX ... Please send me original signed copies from parent company. 
XXXX XXXX XXXX .... Please send me original signed copies from parent company. 
XXXX XXXX XXXX  ... Please send me original signed copies from parent company. XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX XXXX XXXX XXXX XXXX .Please send me original signed copies from parent company XXXX XXXX XXXX ... ..Please send me original signed copies from parent company XXXX  ... ..I am not a home owner. who are these people XXXX  ... ..Please send me original signed copies from parent company XXXX XXXX XXXX  ... .Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX XXXX ... ..Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX ... .Please send me original signed copies from parent company XXXX ... .Please send me original signed copies from parent company
Consumer complaint received 2017-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I was involved in an accident at the XXXX XXXX XXXX 2016. The other driver was found to be at fault. The driver was in a work truck pulling a trailer and rear ended me going around 40-45 mph. I was seen at a local ER within the next 2 weeks and then was seen by XXXX  and now an XXXX XXXX. The bills I received originally I sent to my insurance agency to pay, and I was under the impression that these were covered completely. They were not, however, two in  particular were applied towards my deductible and an outstanding balance remained. I moved addresses from XXXX area to XXXX area and had my mail forwarded to the new address but did not receive any further contact stating that any balances remained. I did not receive mail, phone calls, or emails despite my phone number and emailing being up to date and current with both agencies. I did not know about the balances until I received bills from collections agencies. XXXX XXXX XXXX and Gulf Coast collection bureau. I have attached those bills. I also had a credit report done and these collections have made my credit score drop over XXXX points. If I were to have been contacted by the original billing agencies properly I would have gladly paid the bills to avoid collections and just received the settlement from the insurance at a later date. The debt collectors ASSURED me that if I pay it will immediately come off my credit, but I am concerned that it will only show as paid debt and still be on my credit bringing it down for 7 years. The original billers were XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I contacted both of these companies and they stated that they mailed me bills, however I did not receive them and they did not make any attempt to call me or email me or I would have gladly paid the bills. Instead, this is now effecting my previously PERFECT credit and literally destroying my finances and making it difficult to get a home loan.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (WY)

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I am Attaching identity and proof of address.
Consumer complaint received 2018-03-17
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: Experian Information Solutions Inc. (CA)

I have submitted my disputes to Experian for them to investigate a series of items, including personal information that needed to be changed in my file. 

Experian didn't even look at the letter and replied with a " GENERIC '' response stating that they can't re-investigate as it was disputed earlier. 

The problem is that I disputed PERSONAL INFORMATION with new accounts being disputed. How can they say that they can't re-investigate when it's the first time me doing this? 

Not only did they fail to look at the letter but it was as though they didn't even care to read and just sent me a generic reply.
Consumer complaint received 2017-03-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seattle Service Bureau, Inc (TN)

I keep getting calls on my cell phone from the national service bureau from number XXXX trying to reach someone that does not live at my address about an accident from 2014. I have asked them repeatedly to stop harrassing me. They are located in the state of Washington. They say it is a forwarding number which is a lie.
Consumer complaint received 2017-10-24
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. (NJ)

I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your TransUnion. in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act
Consumer complaint received 2015-04-03
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (MD)

Chase sent me a letter stating my Home Equity payment is increasing by some 300 % from {$980.00} to {$2400.00} and to call to see if they can lower my payment. I have been a good customer never missing a payment for both the first mortgage I have with them as well as the Home Equity. When I called they said they needed {$500.00} from me before they could start the process to see if they could lower my new payment. I spoke with XXXX. He informed me that it looked like I could combine both loans into a new mortgage and therefore avoid the huge increase in the monthly payment but I had to pay the {$500.00} first. I find this a bit odd and am surprised with Chase 's behavior and appears may be some fraud going on at the bank to get {$500.00} from folks
Consumer complaint received 2022-02-13
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NJ)

My Sunoco/CBNA credit card has been closed for over 5 years and paid via settlement. Experience continues to report it as open with a {$950.00} balance. I've disputed this several times only to get results that's say " reported information accurate ''. This mistake by the credit bureaus as well as Sunoco/CBNA has affected my score negatively.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (FL)

Experian continue to report the address of XXXX XXXX XXXX, XXXX Florida XXXX on my credit report. They also report phone numbers XXXX and XXXX which are also inaccurate I have continuously disputed to have them removed as they do n't belong to me to no avail
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Village Capital & Investment LLC (CA)

XXXX sold my mortgage to Village Capital without my knowledge or permission. I asked them to provide their profit to see if I was getting equity under my contract. They refused, and now XXXX and Village Capital are trying to collect on the debt. Attached are the laws and regulations that caused the companies to commit Fraud/FCRA Violations that could be interpreted as XXXX XXXX.

Please see the referenced FCRA and Regulation V XXXX XXXX Final Rule : Consumer Reporting Agency Violations/ 1022.142 ( a ) ; 1022.142 ( b ) ( 3 ) Consumer Reports Violations/ 1022.142 ( a ) ; 1022.142 ( b ) ( 2 ) Victim of XXXX  defined/ 1002.142 ( b ) 4-5 ; 1022.142 ( b ) ( 7 ) I also requested that their fraud be disputed with these regulations. : CONSUMER PROTECTION LAWS Equal Credit Opportunity Act / Truth in Lending Act Regulation Z Fair Credit Reporting Act / 15 USC 1611 False & Inaccurate information Fair Debt Collections Practice Act / 15 USC 1692 Debt collection practices CFPB 1026.23 Right of Rescission ( cancellation )
Consumer complaint received 2022-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (IN)

I contacted the Ohio Attorney General 's Office since Comenity Bank 's offices are located in XXXX, Ohio. They do not really handle my type of complaint, so they suggested I contact the CFPB to resolve it. 

I had a credit account with XXXX. The creditor for this account was Comenity Bank. I paid this credit account in full in XX/XX/2020. Comenity Bank continued to add finance charges and then late fees to this account. This was after I paid the credit account in full and requested that they close it. Over the past year, Comenity Bank has continued their attempt to collect these finance charges and late fees that I do not owe. They have piled fees and charges on top of each other for a paid off and closed account. The last known collection balance was up to {$92.00}. Comenity Bank has also reported this account negatively to the credit bureaus.