davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-10-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Commencing on or about XX/XX/, I fell victim to a multilayered scam operation orchestrated by XXXX  ( XXXX ) ( the Company ), with the design, development, manufacture, promotion, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a the predetermined cycle of client losses to gains.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

My Wells Fargo debit card was stolen in XX/XX/XXXX and charges were made for XXXX while it was not in my possession. Wells Fargo is telling me I am being blamed for the charges made and the funds will not be refunded to me. I have no idea who used my card and I have been depositing money on my account for years & even after I received the new card ( after fraud took place ). If, in fact, I stole my own money, I would not have deposited over {$4000.00} into said account for the bank to take my money. I wouldve let the account close and opened a new account with another bank. I feel like I am being discriminated against ha & accused of stealing my own money. I spoke with numerous representatives and they all told me multiple things. They all told me that they do not have any evidence that I stole my own money but they BELIEVE I know who took my money. I do not BELIEVE personal beliefs should be a deciding factor in this financial decision. My account has been in great standing since it was opened in XXXX. There is no reason to BELIEVE I would steal my own money from my own account.
Consumer complaint received 2022-12-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (SD)

I first received a garnishment order from XXXX and XXXX for Midland credits for a XXXX XXXX credit card of {$780.00}, on XX/XX/XXXX. I was not notified of any such debt before the garnishment order was granted. I then check my credit report and it was not listed as a collection debt for any XXXX XXXX account. I then went through the court to reverse this and it was granted in my favor for them not notifying me. I then received another garnishment order from the same company and the same file number from the sheriff on XX/XX/XXXX. This time the amount is different {$1100.00} plus costs. Here again. There is prior notification to me to dispute this debt. I never received one piece of information for this account or a court date to appear to dispute this account. This time, it just shows it was eSigned from their company and no letter was attached.
Consumer complaint received 2022-06-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: KEYCORP (OR)

In 2001 I applied for a private loan with Key bank alternative loan to help me mitigate the cost of flight training. While I was told I needed a consigner, which I provided for the first initial loan of {$10000.00}, I was never asked for the consigner for the following loans. 
My consigner only agrees to sign for the first loan, not for the other. So, in the end, my consigner was attached to all my loans. I attempted to fight this when I found out, but surprised, Key Bank had closed the program and sold the business to XXXX XXXX, which in return had sold it to XXXX and so forth. 
I had been paying my loan on time for years, and I am positive that I had already paid my loan, but somehow I am still owning a lot of money. Every time there is a fee, the loans get sold to another company. Every time I am trying to get information. The replay is that the company is collecting money, and I need to contact Key Bank ; when I do that, they told me that the program doesn't exist.

I do not expect a freebie, but I am tired of being treated like garbage. Nobody answered why they lied to me about how they use the cosigner. 
I want to pay my dues and get it done, but they add more fees to my loans each time. 
I am tired and desperate and can not move forward with my life. Even though this is a private loan, it is a personal STUDENT loan. This was catered towards students. 
I do not know where to reach out. Please let me know what I can do? 
XXXX
Consumer complaint received 2022-12-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Messerli & Kramer P.A. (SD)

I first received a garnishment order from Messerli and Kramer for XXXXXXXX XXXX for a XXXX XXXX credit card of {$780.00}, on XX/XX/XXXX. I was not notified of any such debt before the garnishment order was granted. I then check my credit report and it was not listed as a collection debt for any XXXX XXXX account. I then went through the court to reverse this and it was granted in my favor for them not notifying me. I then received another garnishment order from the same company and the same file number from the sheriff on XX/XX/XXXX. This time the amount is different {$1100.00} plus costs. Here again. There is prior notification to me to dispute this debt. I never received one piece of information for this account or a court date to appear to dispute this account. This time, it just shows it was eSigned from their company and no letter was attached.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was contact by Bank of America Thank you for contacting Regulatory Complaints of Bank of America. As your Resolution Specialist I welcome the opportunity to address your concerns. 
I am your point of contact until this matter is resolved. 
Please contact me at the below telephone number at your earliest convenience to confirm that you are the party who engaged the Consumer Financial Protection Bureau ( CFPB ). My days and hours of operation are Monday through Friday, XXXX XXXX. 
Please note that we will be providing our response to your concerns in writing via a secured email or standard mail. Please follow instructions in that email to access our response. If you need additional assistance, please contact me at the number below and I or XXXX of my colleagues will return your call within XXXX hours. 

Thank you, XXXX XXXX Resolution Specialist Regulatory ComplainXXXX Bank of America XXXX XXXX XXXX XXXX - XXXX I have left serval messages email as well no answer or response my right been voilated and XXXX having hardship with bank of america allowed the situration linger for over a year. Not take proper action to fix the problem.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc. (CA)

I was depositing funds from my credit union checking account into my coinbase account. 
{$1000.00}. And {$4000.00}. 2 transactions. After Trans were completed there was a notice in the details stating the funds will be avail. To withdraw on XX/XX/2023 I made the Trans on XX/XX/2023 that is a 14 day on the funds sent electronically. After much searching I found their live chat support. This was a solutionless waste of time. I was told that it's the policy for ACH payment to get a 2 to 3 day hold and after that coinbase may take another 3 days to process it. When I told her that's 6 days there is 14 day hold plus I dint know this, why didn't they inform me at the time of purchase she said here is a link you can read about our policy. We went back and forth so I ended the chat. A day later I started a new chat and it was more of the same as previous chat. Both chats lasted 1 hour +, I can't tell you exactly how long because the chat is not accessible during or after. No scrolling up to reread what was said or copy the link provided no option to email it to me. A ridiculous system for support. I had a 3 chat but the agent was very unhelpful. I thought reg cc gave rules on how long a financial business can put on deposited funds? 14 days on funds they have recvd electronically is unreasonable. How can I get this lifted. The funds are part of a business investment that had a deadline of today XX/XX/2023 will be cancelled. I am requesting you help in this matter. I asked where are the funds or where do they hold them but recvd no answer. This is like the stock market I am losing money as time progresses. Thank you Ps they use email for accounts no account numbers. Plus I gave you my home address
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avant Holding Company, Inc. (CA)

XX/XX/2023 I received information via email regarding a credit card application that was submitted to Avant, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX. This complaint is regarding an unauthorized fraudulent activity that my credit agency have notified me with since they declined Avant the company. I, the consumer and owner of the credit personal identifiers ( social security number, and name and other associated identifiers ) did NOT send this company a credit card application. I have already notified a customer service representative from Avant about the fraudulent activity and they said to send and email to XXXX which the consumer have already done so within the same business day. Please do not contact the consumer again nor send an application for a credit card without consumer consent in writing with a legal wet signature with proof of legal ID. There are too many fraudulent digital credit card companies since covid and this company activity from Avant is one of them.Thank you.
Consumer complaint received 2023-11-01
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. (CA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my fourth letter submitted to you informing you that I am a victim of identity theft and I complain to question certain records in my file coming about because of some inattention. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, block the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$97.00} ; XXXX  XXXX Balance : {$53.00} ; XXXX  XXXX Balance : {$76.00} ; XXXX  XXXX Balance : {$71.00} ; XXXX  XXXX Balance : {$63.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$91.00}
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX my debit card was declined at the grocery store in spite of the fact I have {$2800.00} in the account. I thought there was an error with the machine. My card was declined again at the train station at XXXX. I called Bank of America on XXXX, XX/XX/XXXX and was told for the first time that my account had been closed for " business decisions. '' I asked how I could withdraw my funds and was told I can not because they've locked my account upon closure. I asked when I was notified if at all of this decision and they said they put a letter in the mail to me on XX/XX/XXXX -- the same day that they closed the account. This closure came without any notice to me and now I have no access to my checking or savings account with Bank of America. I appealed the company to unlock the funds so that I can survive, but I have been told the process takes several days and may be denied at which point my own money will be sent to me on XX/XX/XXXX. Meanwhile, the credit card I have through Bank of America will continue to accrue interest and late fees even though I have no way of settling the bill because the bank itself has frozen my assets. I have never overdrawn the account, I am in good standing, and for no reason at all, Bank of America is holding my own money XXXX.
Consumer complaint received 2023-01-30
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. (SC)

XXXX XXXX has been reporting a invalid account on my consumer report which is violating 15usc1681a-4 privacy obligation VIOLATION 1, they're not protecting me as a consumer. 2nd violation is 15usc1681b no permissible purpose to place on my consumer report without my consent or wet ink validation which is violation 15usc1681 section 604 a section 2. I have given them 15 days to provide proof that this account belongs to me and they have yet to do this. 15 days are up, so the account has to be removed. 5usc552a you broke the privacy law. I have a right to privacy 15usc 1681 section 602a.

Accounts according to FCRA being violeted of my confidentiality rights are XXXX XXXXXXXX XXXX XXXX XXXX according to my recent cfpb complaint they stated that they will stop all collection activity and remove from my consumer report XXXX XXXX XXXXXXXX 30 days Late 15usc1666b timing of payment violation 15usc1681a ( 1 ) a ( 2 ) transaction history excluded 15usc1681c ( a ) ( 5 ) 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 7 years.

15usc1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any CRA if the person knows or has reasonable cause to believe info is inaccurate. 
{$1000.00} per violation sued and or prisonment.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HYUNDAI CAPITAL AMERICA (FL)

Date : XXXX RE : Late Payment Removal Account Number : XXXX Balance : XXXX Late Payment Dates XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX This letter serves as my explicit instruction and written notice. 

This account is a billing error. A creditor that fails to comply with the requirements outlined in the Fair Credit Billing Act forfeits any right to collect from the obligor. 

This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence that clarifies this billing error. 

What authority do you have to collect debt in the United States? 

I have reason to believe your financial institution is violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I do not consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in XXXX XXXX XXXX XXXX XXXX. XXXX Furnishing false credit information to a nonaffiliated third party as a means of coercing payment on an extension of credit constitutes racketeering activity. Furnishing late payments is your institutions policy. Your companys policy does not supersede federal law. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm. 

I am keeping a careful record of all correspondenceor lack thereofmade via mail, telephone, and other means of communication. Your response must be provided within the allotted threshold for this communication.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I got a text notification on my phone on XX/XX/, that I made a purchase {$650.00} at a store called XXXX XXXX with my chase credit card. I was working in office at that time, so I called Chase customer service immediately to report the fraud transaction. I tell them everything, and also mention that my card is not lost, they refund the transaction to me and send me a new card. Then XX/XX/, I got another call from chase, because I have the possession of the card, they decide to deduction that money from my card again. I am not satisfied about the result, so I call not accept that, they reopen the case for investigation. Today I receive a notification on my app, and they decide to deduct that money from my account because I get the benefit from that transaction.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

EVERYTHING ON MY EXPERIAN REPORT IS INAACURATE, FRAUDULENT! I REACHED OUT TO EXPERIAN SEVERAL TIMES IN REGARDS TO MY REPORT AND MY INFORMATION BEING COMPROMISED! NO RESPONSE! EXPERIAN HAS THREE DIFFERENT ADDRESSES, THREE DIFFERENT NAMEs and a bunch of Other information that is inaccurate! I HAVE ONE NAME AND LIVE AT ONE ADDRESS! THERE ARE ALSO SEVERAL ACCOUNTS THAT WERE FRAUDULENTLY OPENED UNDER MY PROFILE! EXEPERIAN HAS NEVER GOTTEN MY WRITTEN CONSENT TO PUBLISH ANY INFORMATION AS SUCH ON MY BEHALF! I HAVE SENT MULTIPLE DOCUMENTS PROVUNG MY SELF and RESIDENCY! By LAW THIS IS FRAUD AND EXPERIAN CAN BE FINED FOR EVERY VIOLATION!
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANS UNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNT THAT DO NOT BELONG TO ME THERE IS A ADDRESS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE LOAN ACCOUNTS FROM THE FOLLOWING CREDITORS 1XXXX 2.XXXX XXXX 3.XXXX XXXX 4XXXX XXXX 5.XXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX  AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT