davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Opened my Credit Card with Bank of America in XX/XX/2019. I had the hardest time of my life even opening my account, took 2 months to get the card. Once I received the card I had even more issues. Had to go to branch with Drivers Lic and Social Security card to verify my ID and was able to use my account again. Then less than a month later found out my card was closed for no reason. After speaking to someone I was told there was nothing that I did wrong and that I was going to get a letter in the mail with a address to send tax returns for whatever reason I wasn't told, I've waited and still no luck never received no letter. My account was closed for no reason I had close to XXXX in rewards which I could not access, I'm a good customer I had a balance at the time my account was closed of XXXX and I paid the balance in full and on time. This is not how you do a good customer for no reason, it seems as the person who closed my account was a angry bitter, not having anything to do person because. My account was vaild, I have Great credit and there was no reason to close my account. I did all the extra verify stuff they had asked of me. I would like my account reopened as I was promised because there was no way to justify why it was close and for no cause this is not how you do go customer I want this sent up to CEO office if possible because this is not right and not how you do customers.
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IN)

Through my university email, I was invited to be a personal assistant to professors. My first task was to help send money to charities for him. He wrote me a check and sent them through email, I deposited, and then I would send the money through Zelle. I would find out that the checks he sent me where fraud, so I would end up giving multiple checks of my own money to random people that I thought were orphanages/charities.
Consumer complaint received 2021-08-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (PA)

I decided to go with Citibank to get a mortgage for a new home I was going to buy in my city. Days and weeks past, and I gave them all the information they needed, with them approving my loan. They provided both parties with the closing date, which was XX/XX/13. They even told me to pay the insurance as a requirement, 4 days before the closing date, which I did. It was around {$650.00} for the whole year. Everything was set to go through until an event which occurred 48 hours before the closing date, Citibank backed out. They deleted all information regarding my account, and left both me and the sellers in the dark. This is not fair. I'm now at a lost as to what to do, not to mention XXXX  because I have to turn in the keys for the apartment I'm living in at the end of the month. 

Also, to clarify on a previous question : Have I tried to resolve the issue with the company? Yes, but they have blocked all communication attempts.
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Re : Validation of Debt and Cease and Desist Notice Account Number : # XXXX To Whom It May Concern, I am writing to formally request validation of the debt referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a detailed validation of the alleged debt. Please be advised that statements alone are not sufficient evidence of a debt, as established by the case XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

Accordingly, I am requesting that you provide the following documentation : A detailed accounting of the alleged debt, including the original creditors name, the amount of the original debt, and a complete transaction history. 
Any and all relevant agreements, contracts, or documents bearing my signature that would indicate my obligation to pay this debt. 
Furthermore, I am issuing a cease and desist notice. This includes the following instructions : Cease and Desist All Communication : Do not contact me further in any manner, including but not limited to, phone calls, letters, emails, or text messages.

Cease and Desist from Reporting to Consumer Agencies : This notice also includes a demand for removal of this account from all consumer credit reports. 
Please be advised that any continued communication, including reporting this account to consumer agencies, will be considered a violation of this cease and desist order. 

Litigation Costs : Should it become necessary to pursue litigation due to your failure to comply with this request, the following are estimated costs associated with such action : Filing Fees : {$350.00} Service of Process : {$100.00} Legal Representation : {$200.00} per hour ( estimated 10 hours ) = {$2000.00} Court Costs : {$150.00} Miscellaneous Costs ( e.g., document preparation, travel ) : {$100.00} Total Estimated Costs : {$2700.00} Please consider this letter as a formal notice of my intent to seek redress through legal means if necessary. I expect your prompt action to cease all further communication and to remove the account from my consumer reports. 

I appreciate your immediate attention to this matter. Please send written confirmation of your receipt of this letter and your compliance with my requests.
Consumer complaint received 2020-07-08
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. (MD)

I filed a dispute with experian about an account that is not reporting accurate, I sent documents to them showing that its reporting incorrect they continue to report this information wrong
Consumer complaint received 2022-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I am the victim of XXXX credit card fraud activities and {$7400.00} charges. I have been trying to resolve this issue on my own for more than one year and a half, charges was been taken off and then put back on my credit report. Not only this, I am constantly and continuously harassed and threatened by collections companies. I have communicated with the XXXX credit card company and reported the fraudulent account and the charges over the phone many times. Here is the rundown of my communication with XXXX. 
On XXXX XXXX, I spoke to XXXX XXXX fraudulent department about the account activity. I was on phone for more than an hour. They assured me that it will be resolved within 3-4 weeks. On XXXX XXXX, I called them again to find out the status of my fraud report. Instead of resolving the issues and fraudulent acts, they were asking me for the payment. After staying on phone for more than a couple of hours, I was able to speak to an account specialist who assured me it will be resolved within 72 hours. On XXXX XXXX, I called them. From the fraudulent department of XXXX, they assured me that the matter will be resolved soon and I did not have anything to do with this account. On XXXX XXXX, I called again and they told me that this account is closed and will be reported to the credit bureaus. On XXXX XXXX, I called them and they told me that the account is closed and reported to the credit bureaus. On XXXX XXXX I went out of the USA . On XXXX XXXX, I received an email from XXXX XXXX that, instead of resolving that fraudulent account, XXXX has reported as missed or late payment to the credit bureaus. Then I communicated with XXXX over the phone, got a case number, and sent mail to all of the credit bureaus with documents proving that I have nothing to do with the card and charges because the charges took place while I was not in the state and country where the charges took place. I am desperately in need of your help as a responsible consumer to finish this frustrating financial fraudulent issue once and for all.
Consumer complaint received 2021-10-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: CNG FINANCIAL CORPORATION (SC)

I took a loan out with Checkngo ( Axcess Finance ) of XXXX, SC... I pd well until I simply asked the Mgr to hold the account from that Friday to Monday because I was having issues with my pay check and I didn't want it to bounce ... She responded as they dont hold accounts and I best put the money in the account.. I said there would be no way until Monday. She said well if it bounces she would continue to run the ACH everyday until it pd.. It told her i couldn't afford to pay the NSF fees.. She said well put the money in the acct.. She lived to her word and ran the ACH several times running up approx 400 dollars in fees... I was really mad about and called the Home Office... They assured me that they would fix the situation if I pd XXXX dollars to which I did ... About a week later they ran another ACH without any word of so and it bounced... I called the XXXX  again and they said they were very sorry and said they would fix it... Well the fix was to Charge Off the acct... I have great credit except for this account... The Company soldthe debt to a Collections place and they told me if I would pqy it off they would assure me they would get with Check and Go and have all negitive information in it entireity removed... I pd the account in full that day... Please live to the Companies word and remove all information.
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I signed up for XXXX XXXX XXXX on XXXX after receiving a letter in the mail for a debt consolidation. I was told they could consolidate the debt over {$50000.00}. I signed up for a 2 year program. I completed the program in 2 years paid over {$55000.00} to XXXX XXXX & my creditors, but the accounts were suppose to be a paid for delete and all of the accounts except 2 accounts are still on my credit report. I'll upload the paperwork that I have from XXXX XXXX XXXX. Thank you!
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2022 I sent a letter to Experian requesting the remove of the old late payments from an account. According to 15 USC.1681b-permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

The FAIR CREDIT REPORTING ACT 15 USC.1681a ( 2 ) ( a ) ( i ) also states Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term consumer report does not include- Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Experian said this information was verified and they did not remove it from my consumer report.
Consumer complaint received 2023-04-25
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. (NV)

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 1. XXXX XXXX, Account # XXXX XXXX. XXXX XXXX Account # XXXX 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 : Also states a consumer reporting agency can not furnish an 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 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 ) States 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 2023-03-27
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. (AZ)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2021-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (ID)

Hello CFBP, My name is XXXX. I have a serious issue with Venmo. On XX/XX/2021 XXXX XXXX Mountain Time {$1400.00} was sent to me from my other account using my XXXX XXXX card. 

I tried to transfer the money but it wouldn't let me so I waited till XX/XX/2021 to email a ticket notifying them to unfreeze my account. I was contacted by customer service agent named XXXX XXXX on XXXX XXXX at XXXX XXXX  Mountain Time who forwarded my ticked to someone named XXXX XXXX an Account Specialist. 

On XX/XX/2021, XXXX XXXX emailed me to send them my ID and bank statements to prove to them that the card itself was mine and under my name. I sent them my ID and bank statement around XXXX XXXX Mountain time the same day. 

On XX/XX/2021 XXXX XXXX emailed me mentioning he has permanently deactivated my account even though everything I sent to him was valid. I emailed him back around XXXX XXXX Mountain Time mentioning I could provide more info to verify that the card was mine. I even offered my own social security and birth certificate. In the email he mentioned I violated one on of their policies and didn't clearly say what policy. The communication from him was very unprofessional and not informational. In the email it mentions they would be holding my funds for 180 days which is awful when I am in desperate need for the funds. I need the funds in order to pay my bills and utilities. Holding my funds for 180 days almost sounds like tyranny in my opinion. 

I've have been trying to get a new account specialist to look at my account and trying to get it unfrozen but Venmo seems to be ignoring my tickets. I desperately need my funds in order to pay my bills and other things in my life. I have also read on the web that they are doing this to many other people who are in need as well especially in this pandemic. 

CFBP if you could please help me get this issue fixed, I am in huge need for a resolution to the unprofessional work Venmo has done to me. 

In the following documents I will provide proof of my complaint.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

The creditor Victorias Secret has been trying to collect a debt which is not mine for approximately a year. In XXXX it appeared to have fixed the issue but again commenced in XXXX of XXXX  to collect an amount for an account I do not have. This appears to be Identity theft but Victorias Secret is not doing anything about it. They know it is not my account but continue to service it with someone who is not me. I do not have a Victoria Secret credit account. I have pleaded with them to please correct the issue and to ensure it does not affect my credit bureau reports. To no avail. I formally request the intervention of CFPB in Resolution of this out-stounding issue.
Consumer complaint received 2022-12-12
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. (NY)

in accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2021 I entered my BB & T ( Truist ) branch at XXXX XXXX XXXX, XXXX XXXX, FL to execute a wire transfer from my business checking account. ( I bank personally and professionally at BB & T/Truist. ) The wire was necessary to pay an invoice to a company that I am engaging to help me grow my business. ( I am self-employed, 25 years. My business is a C-corporation with myself as the sole employee. ) My bank accounts are fee-free as I maintain minimal deposits on-hand as necessary, and my business checking account is a " small business '' type. The bank representative informed me that the wire transfer fee would be {$30.00} from either my personal or business account, but I informed that I do not mix funds in this manner and that this was a business transaction and needed to be taken from my business account regardless. Later that afternoon, the bank representative called me to inform that she was mistaken and that the wire transfer fee from business accounts was {$65.00}, and that I would be charged {$65.00} for the wire. This is unconscionable and unethical : the exact same service differently charged solely because it is being executed from a ( small ) business account versus a personal account. I called the BB & T/Truist main customer service telephone number ( XXXX ) and spoke with XXXX who put me in touch with the branch manager XXXX XXXX ( XXXX? ) who informed me that he would credit the entire {$65.00} fee this time because I told him that I would also be paying - via wire - the second half of the total invoice for this company in 30 days, at which time we agreed that I would pay the whole {$65.00} wire fee which, in total, would essentially compensate the bank as if I was paying the {$30.00} fee for each wire. The excuse XXXX gave is because this is how the " system '' works. This fee-grab by BB & T/Truist is just that : obviously it does not cost more to execute a wire from a business account versus a personal account. Further, as a really struggling business during this financial COVID-induced crisis, I can ill-afford to be burdened with any excessive costs, let alone unnecessary bank fees by financial institutions looking to pad their bottom lines, profit margins, and bonus checks. Charge consistent reasonable fees for services across the spectrum of customer accounts.
Consumer complaint received 2019-10-30
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. (TN)

Experian and XXXX refuses to remove an account on my credit report and claims account was verified as accurate although the account was dismissed in local court as being unverified.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (IL)

I have sent letters to the 3 major bureaus about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However, all under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1
681
Consumer complaint received 2023-02-22
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. (AR)

I have already sent a letter to the XXXX, Equifax, and XXXX Credit Bureaus last XX/XX/XXXX requesting a verification and deletion of information on my credit file which I found to be 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 3 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 XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. Based on the previous information, I am hereby demanding deletion of the disputed accounts from my Credit file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.