davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Commencing on or around XX/XX/XXXX, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to these fraudulent investment companies.

Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. 
On XX/XX/XXXX, Bank of America wrote in a letter Contrary to your letter, Bank of America did not breach their duty of care as we followed the instructions that you provided. We did not have any involvement in the scam. The account that received the funds from your wire transfer was held at XXXX XXXX XXXX, and we do not have any knowledge of the status of the accounts held at their bank. 
It is unfortunate you were a victim of a scam and you have our sympathies. However, Bank of America is not liable for the transaction you sent. We did what we could in attempting to recover your money on your behalf. We understand that this is not the response you were seeking however it is Bank of Americas final position in this matter. 

As regards to the detection of fraud and financial abuse, it says the organization should have measures in place across all payment channels and products to detect suspicious transactions or activities that might indicate fraud or financial abuse such as sudden changes to the operation of the account ; Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification. 
Bank of America are yet to show, or otherwise provide me with, a compelling argument that their wide-ranging experience and wealth of specialist knowledge in detecting transactional anomalies were not sufficient to avert the fraud at issue. 
If it was, indeed, solely my responsibility, we must then believe at least one of the following clauses : a ) financial institutions have absolutely no role whatsoever in preventing and detecting fraud, b ) the fraud in question was not reasonably foreseeable, or c ) the transactions in question were not sufficiently alarming. It is extremely unfortunate that Bank of America pushes quite hard for me to believe all three of these thingsdespite evidence to the contrary. 
In summary, I respectively ask your organization to consider my points, given your personal and companywide obligation to provide a fair and reasonable investigation into the complaint. I look forward to your input and would gladly cooperate to reach a fair and reasonable outcome.
Consumer complaint received 2022-07-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I have requested, and on numerous occasions - a Do Not contact and from this debt collector. 

I am reliant on a Do NOT Contact description from FDCPA. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( XXXX ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 


XXXX - has sent no less than XXXX articles/letters to me and through the USPS- and since the request of do not contact was initiated, they confirmed the request and more than a year ago, I have kept the communications. 

The CFPB has them as well. 

I have also - never, asked for a VOD. Please ensure you do not attach a statement, nor mail anything - as the cease request is still in place, The response to this complaint- is just that. 

Further, I believe ( and its discoverable ) that XXXX has contracted its collection efforts, and to at least XXXX companies. Where as - inquiries, and communications have occurred to entities they ( XXXX ) were asked to cease communications with. 

The request of DO NOT contact extends itself naturally, to anyone you have chosen to do business with, and for any reason, and forever. 

You fail, XXXX, to disclose this information of who is acting on your behalf/as you - however, you then choose to NOT adhere to the initial request to you and yours ( acting as/for you ) to cease contact. 

The cease contact request remains, and with absolutely no constraint. This simply means it applies to all of your practice, and actions and anyone you hire to act on your behalf. 

At some point, the actual penalties will be real - and outweigh your actions. 

We are at the cusp, remember there is a class of people. 

Do not contact any one for anything.
Consumer complaint received 2022-07-02
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)

Accordance with the fair credit reporting act XXXX  account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXX XXXX XXXX date opened : XX/XX/XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX Account # XXXX XXXX  date opened : XX/XX/XXXX Account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX XXXX XXXX  date opened : XX/XX/XXXX Account # XXXX XXXX  date opened : XX/XX/XXXX Has violated my rights .please investigate these accounts 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. Please show proof of written instructions by me.
Consumer complaint received 2022-07-18
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. (AL)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balanceed Owed : $ XXXX XXXX  XXXX Balanced Owed : {$1000.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$3100.00} XXXX XXXX Balanced Owed : {$250.00} XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX  XXXX Balanced Owed : {$1000.00} XXXX XXXX XXXXXXXX Owed : {$0.00} XXXX SER XXXX Balanced Owed : {$250.00} XXXX XXXXXXXX Reference # : XXXX Date Filed/Reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX : $ XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I have been receiving text messages from those who claim to be from Citizens bank. All three messages Ive received thus far have been from 3 different phone numbers. Each message reads : [ Citizens Bank Alert ] : Unknown activity detected on your account. 
Secure your account here immediately XXXX XXXX XXXX XXXXXXXX I did not enter into this link because I believe it to be a scam made to hack my phone and to find my actual banking information.
Consumer complaint received 2022-07-02
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. (NJ)

In accordance with the Fair Credit Reporting act Account name : XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX XXXXXXXX, & I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX, & I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX, & I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXXXXXX XXXX XXXX XXXX I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX & I did not give this company or others permission to run my credit report and I declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX  XXXX, for Auto financing and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX for Auto financing and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX and I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX XXXX, and I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX, I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted.
Consumer complaint received 2022-11-29
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. (PA)

XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2014 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

Been a customer here for years many cards none will be used until and unless this is resolved properly.XXXX  keeps rebilling me XXXX now i never received these items as such there is nothing they can provide regarding card ending XXXX to dispute this. because items never received. I was told by citi 2 weeks ago since i know citi will just rebill me if i dont make my needs rights known that i would get affiadavit to sign that items were never received. never received it. I also have an email from my development that items are being stolen from here. My concern is that i have consumer protection rights and that i am not rebilled when XXXX  sends that it was delivered since i never received the items they were likely stolen. where is the affidavit to sign? i was also told 2 weeks ago not to worry i would not be responsible for it. I want to protect myself. NEVER RECEIVed so they cant disprove that. i will suspend use of all cards til this is handled right. Send affidavit or pull the call wherein i was told i would get it to sign
Consumer complaint received 2021-04-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

Ive never received any communication about this alleged debt. It just popped up on my credit report out of no where this year. On XX/XX/2021 I sent a validation of debt letter to their address. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. It has now been as of today XX/XX/2021 it has been 49 days and I have yet to receive validation of this alleged debt, yet they recently reported once again on XX/XX/2021 this debt to the credit bureaus.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Back in 2017, XXXX bank closed my XXXX card with no consent or knowledge from me. 
This led to me not being able to make payments on the account. This then led to the account going late multiple months then to a charge off. 
Even after talking multiple times to their XXXX customer service departments, with no help. They would only say things like " the account is closed, we cant help you '' or " wait till it goes to collections ''. 
For the last 5 years this account has HAUNTED me and my credit reports. Making it still so I can not obtain proper credit or even a mortgage.
Consumer complaint received 2021-04-12
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: CITIBANK, N.A. (NV)

While checking my credit report, I notice an account from CITI that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, see attached, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that CITI is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Back in XXXX, XXXX bank closed my XXXX card with no consent or knowledge from me. 
This led to me not being able to make payments on the account. This then led to the account going late multiple months then to a charge off. 
Even after talking multiple times to their XXXX customer service departments, with no help. They would only say things like " the account is closed, we cant help you '' or " wait till it goes to collections ''. 
For the last 5 years this account has HAUNTED me and my credit reports. Making it still so I can not obtain proper credit or even a mortgage.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Back in 2017, XXXX XXXX closed my XXXX card with no consent or knowledge from me. 
This led to me not being able to make payments on the account. This then led to the account going late multiple months then to a charge off. 
Even after talking multiple times to their overseas customer service departments, with no help. They would only say things like " the account is closed, we cant help you '' or " wait till it goes to collections ''. 
For the last 5 years this account has HAUNTED me and my credit reports. Making it still so I can not obtain proper credit or even a mortgage.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

XX/XX/XXXX XXXX  XX/XX/XXXX XXXX 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 XXXX XX/XX/XXXX XXXX these inquiries were not made by me XXXX XXXX, XXXX, experian and the individual companies invovled refuse to take them off my report. I would like these inquiries removed from my credit reports.
Consumer complaint received 2022-04-01
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. (FL)

Opinion ... .after years of trying to resolve the misinformation, incorrect reporting, omissions and frankly outright no concern for accuracy and your evidently by example inept staffs, or non concern for what you claim you are we have paid off ALL of our debts including those who have submitted us to collections. You will NOT get a reply for months. Yet, anything negative, wrong or incorrect you post immediately. In my opinion you are a fraud impacting millions. I look forward to monitoring how long it takes ( if ever ) for our credit scores to go up! We will not hold our breaths. As for the CFPB I do not expect them to even read this which is their SOP- SEND IT AND CLOSE IT IMMEDIATELY. I expect a send me your identity bull SOP for these inept agencies as a delay. TRUTH BY WORKS AND FACTS WHILE YOU ALLOW negative information to be posted immediately and these agencies have off shore staff capable of accessing Americans ibfirmation even while warning us of confidentiality.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AK)

XXXX XXXX XXXX XXXX gave information about my account without my consent, to all three credit bureaus, which is against the law-15 U.S.C. 1681 section 602 A states I have a right to privacy ; no written instructions to be put on my credit report.