davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I am filing a complaint with Bank of America for allowing garnishment of my Missouri based checking account without my knowledge or consent to process payments to the California Tax Franchise Board that it submitted in error to Bank of America. In addition I am filing a complaint about fees charged to me of {$250.00} from Bank of America on 2 separate dates. 
XX/XX/XXXX Bank of America a garnishment of {$80.00} to be paid to an out of state debtor without my knowledge or consent. They also withdrew a payment of {$120.00} paid noted on my account as " XXXX XXXX XXXX  '' and a {$10.00} overdraft fee. In violation of Missouri Statute 525.030 Bank of America allowed more than {$210.00} of the total amount of my payroll deposit of {$360.00} ( garnishment from out of state entity ) to be withdrawn without my consent or knowledge. On XX/XX/XXXX Bank of America allowed a withdrawal of {$160.00} to legal LTS and a withdrawal of {$120.00} noted as " legal lts fees ''. Again in violation of Missouri Statute 525.030 a total of {$280.00} of the {$230.00} of my payroll deposit was withdrawn. 
On XX/XX/XXXX I was notified by the California State Franchise Tax board that the garnishment request submitted to Bank of America was done in error and that they erronously had been collecting fees for a debt that was in fact paid and no longer owed. XX/XX/XXXX The State of California submitted a notice to Bank of America regarding the error and requested that the monies withheld be returned back to me. On XX/XX/XXXX and XXXX Bank of America refused my request to return to me the money withheld and the fees charged to me. After 3 requests and receiving the information from the State of California they did agree to refund one of the {$120.00} fees but still refuse to refund any other funds they withheld. All of the funds withheld were withheld illegally, in violation of State and Federal law and withheld based on a error of the state of California. Bank of America violated my consumer rights and continues to refuse to release back to me the money they illegally withheld from my checking account.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC (GA)

I CONTACTEDC EARLY WARNING FOR MY FILE AND THERES XXXXXXXX XXXX ACCOUNTS AS WELL XXXX XXXX XXXXXXXX ACCOUNTS ON MY FILE STATING I OWE THEM OR I MISHANDLE ACCOUNTS. WHICH IS NOT TRUE THE FACT IS THOSE ARE FRADULENT ACCOUNTS THAT DOESN'T HAVE MY SOCAIL AND WRONG ADDRESSES I NEVER LIVED AT NOR HAS THEY BEEN ON MY CFEDIT FILE SO I NEED THIS FIXED ASAP
Consumer complaint received 2024-10-22
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX XX/XX/XXXX SS # XXXX XX/XX/XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX XXXX, Account # : XXXX this account is being reported inaccurately.
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (VA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (OH)

Caine and Weiner reported a debt in the amount of {$250.00} on XX/XX/XXXX. No letter was ever sent to me regarding their ownership of the debt or who the original debtor was and my rights to dispute the letter. I called multiple times to retain information or dispute this account but they always lie and say they dont have any notes that I called or spoke with anyone. 

On XX/XX/XXXX when calling them in attempts to retain more information and possibly settle the debt, I was informed by a manager that it is illegal for them to remove a negative mark off any credit unless the amount is paid in full. This is a direct violation of the Fair Credit Report Act which does not state that it is illegal for credit agencies to delete a debt unless paid in full. If there is an error the collection agency must work to fix that error.
Consumer complaint received 2022-05-13
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I made my mortgage payment by phone on XX/XX/2022. It was deducted from my checking account on XX/XX/2022. Citizens Bank, which holds my mortgage, says they did not receive the payment. I have provided the confirmation number I was given when I made the payment. I have sent them the tracer number from my bank XXXX XXXX XXXX  ). I have sent them a screenshot of my account showing the debit of {$2900.00} going to Citizens Bank on XX/XX/XXXX. They haven't responded to any of this, and when I call insist that I owe them for XXXX, 2022. 
Thank you for any help you can give me.
Consumer complaint received 2023-04-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN HONDA FINANCE CORP (IL)

I contacted Honda Financial Services to get my payoff on my loan today XX/XX/2023 so I could go pay it off and talked to XXXX and she refused to give me the payoff!!!!
Consumer complaint received 2024-12-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (KY)

I was a client of XXXXXXXX XXXX internet services for over a year. Towards the end of my service, I experienced outages and connectivity issues daily ( for over 30 days ). This greatly affected the work being done from the address with service, costing thousands to be lost. In response, XXXX refused to send out a service technician ( on one phone call ) and one never showed. I was also only credited {$2.00}. 

After countless chats and calls with Spectrum with no resolution provided whatsoever, and XXXX visits from technicians, I was forced to cancel my internet service to continue operations at the address, and went with another provider ( have had XXXX connectivity issues or outages in the five months of service ). 

Despite attempting to dispute ( amicably ) with spectrum after cancelling the services ( which was 8 days after the billing cycle ) I was still charged {$59.00}. I have entered this into investigation twice in five months and connected via phone with Spectrum numerous times since then, only to be met with attitudes and frustration from most representatives, and still no resolution. 

Most recently, XXXX has decided to send the " debt '' to collections, who has reached out. This spurred a return call to XXXX, where I was met with no resolution, again. 

Five months of frustration and inconvenience after being dealt an inoperable service is absolutely immoral and unethical. As a company owner myself, the behavior exuded from Spectrum ( as a company ) and their representatives in negatively outstanding. 

My goal is to amicably resolve this dispute, crediting the money back to the CLOSED account, and clearing the collection agency of the debt.

I will be filing a complaint in court, as I fear this may be the only path towards a fair and just resolution.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (IL)

While booking United Airlines tickets, I was shown pre-approval advertisement stating {$250.00} statement credit ( if card is instantly approved ) and XXXX points after spending $ XXXX in 3 months. I have XXXX XXXX, have 3 credit cards from Chase, have not applied for any revolving credit in last year, no major outstanding debt and stable income of > $ 200k/yr. My information was shared by United and was prefilled in Chase application and the application was not instantly approved limiting my ability to take advantage of the offer with a reason provided as additional information needed to verify DOB and Address. While I completed the transaction using my existing card, I do not understand and deserve this experience being a loyal customer of Chase. I had unnecessary hit on my bureau and feel the marketing practice was deceptive. Reference number included in automated email from Chase XXXX. I dont have any utility of the card and feel Chase needs to review its decision practices especially for the customers having additional cards from them.
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXBalance : {$14000.00}
Consumer complaint received 2023-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/2023, LNVN Funding received a police report and an identity theft affidavit via certified mail # XXXX ( see proof of delivery attached ). After speaking with Representative, I was told that nothing had been received and therefore no actions would be taken regarding the debt. 

LNVN Funding is not in compliance with FCRA because they are ignoring the police report and identity theft affidavit that was received.
Consumer complaint received 2024-10-23
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. (TX)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Bankruptcy discharge ref # XXXX U.S. BANKRUPTCY-CENTRAL DISTRICT Address : XXXX XXXX XXXX XXXX XXXX, XXXX  CA XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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.

Also the Credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2024-11-21
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 with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice 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 2022-10-13
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: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX ...., XXXX XXXX XXXX ....
Consumer complaint received 2022-11-17
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. (CA)

I have been the victim of identity theft where all or part of my personal identifying information has been used to establish credit without my knowledge. I have identified several fraudulent accounts on my credit reports and have since frozen the reports, added fraud alerts and filed disputes. 

However, I am having difficulty in dealing with Experian and XXXX blocking the fraudulent accounts from my report. Every time I contact them and provide the information necessary they just place the accounts back into dispute status and later claim they verified the account is correct. Both XXXX XXXX and XXXX have removed the accounts. 

However, I have been in touch with the creditors and forwarded them copies of my identity theft reports and identifying information and was assured the accounts would be removed from my report. I don't know what to do at this point as I am being stonewalled by these companies that continue to maintain fraudulent accounts as if they were mine. 

I am reaching out to the CFPB for assistance in getting this resolved. 

The accounts are : XXXX ending in XXXX XXXX  ending in XXXX XXXX  ( XXXX Card ) ending in XXXX Also some of these accounts have addresses that aren't mine : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Attached documentation from creditors as well as ID Theft Report and personal Identification are attached.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX : # 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 : It 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2022-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I was trying to purchase tickets from a lady for an event that was sold out and on XXXX for {$40.00} and the company I did the transaction through was PayPal and I've already tried calling them to resolve it and they said they couldn't. I didn't even get the tickets from the person I was trying to buy them from and she has already blocked me honestly I just want my money back.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.