davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
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. (MI)

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX XXXX account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation.

Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXXXXXX account for the months of XX/XX/XXXX, XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

Complaint filed XX/XX/year> with cfpb XXXX. My identity was stolen and was used to establish an account with Experian as well as XXXX credit bureaus and two banking checking accounts XXXX and XXXXXXXX XXXX. I have been able to contact and cancel these fraudulent accounts with all but Experian. There is apparently no way to contact a real person at Experian and there automated online and phone systems can not resolve this fraudulent use of my information with Experian. I believe the account with Experian using my name, DOB, SSN and address is still capable of being accessed by who ever created it with Experian. I would like to speak with a Experian fraud investigator or company representative who can help resolve this fraudulent access to my Experian credit bureau information and account they have created. I deem this matter as extremely urgent as they still have access to my Experian information. Please respond and help me resolve this matter.
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (OK)

On XX/XX/ 2021 at about XXXX XXXX a fraudulent company impersonating a XXXX XXXX  support representative was able to to gain access to my bank account and transfer two amounts from my bank account the first being {$190.00} and the second being {$950.00}. I filed a claim with chime bank and was denied any resolution. Chime bank sided with the scammers and refused to refund my money or even question the scammers leading me to believe that the scamming came from inside the bank itself which would explain how they were able to take control of both my savings and checking accounts. I thought banks protected their customers not sided with scammers.
Consumer complaint received 2023-11-27
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act s
ection 611.
Consumer complaint received 2023-11-27
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Admin Recovery, LLC (MN)

i have an outstanding debt currently and admin recovery is handling it. i have had them calling repeatedly through out my week both on my personal phone and directly to my job repeatedly, even when i have answered and told them i am busy and can not talk i will call back they still call me back again to harass me the phone right after i hang up. my coworkers have taken messages from a XXXX XXXX that works for admin recovery saying it sounds like an emergency and needs to hear from me today or asap and it sounded very important and the guy was trying to force them to get me on the phone, to give away a direct line which i dont have and to try and get more information on me. XXXX XXXX and admin recovery have called excessively to reach out to me through multiple channels, places and people. he has continued calling different departments at my workplace throughout the previous weeks in attempts someone will get me on the phone with him. i believe this is harassment and or abuse by XXXX XXXX and admin recovery per Fair Debt Collection Practices Act 15 USC 1601. i feel as if i have been harassed and abused. they place repetitious phone calls to both my personal line and reaching out to different coworkers of mine at my place of business near daily and send mail weekly. i have finally been able to reach them as of today, i was unable to speak to XXXX directly after speaking with someone else and expressing the abuse and harassment needs to stop they apologized and said they will speak to XXXX later when he is back with lunch and have him return my phone call. a while later i received a call from his manager. they claim to have removed my works phone number from their system now and wont call back again but that does not excuse or rectify the fact they have already crossed into the harassment territory. calling my phone and work regularly and interrupting our business seems to be harrasment, from my understanding they have not been following the FDCPA.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am a victim of the Equifax Information Services, LLC data breach ; since last year XX/XX/2022 I noticed numerous negative items on my consumer credit reports. The negative items were chargebacks, collections, late payments, hard inquiries that were fraudulently reporting. I hired a credit repair agency named XXXX XXXX XXXX and paid them approximately {$5000.00} to repair my credit which was unsuccessful. I have been denied numerous lines of credit, extensions of my credit which has cost well over {$20000.00} in out-of-pocket liquidated expenses because I do not have access to extensions of credit. I have sent a first and second notice to Equifax Information Services, LLC to remove all negative items on my credit report effective immediately. I have also reported fraudulent hard inquiries on my credit report to the Federal Trade Commission. I am attaching my FTC report, my proof that I am a victim of the Equifax data breach as per the Equifax data breach settlement website, credit repair agencies 's first and second agreement invoicing my payment installments, and the first and second notices sent to Equifax Information Services, LLC to remove all negative/incorrect items on my credit report.
Consumer complaint received 2023-11-27
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)

A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.
Consumer complaint received 2020-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I went in to a Union Bank located in XXXX XXXX inside of a XXXX XXXX XXXX XXXX on XX/XX/2020. I set up the account with a banker named XXXX. She was fine at first but when I called the next day to change my business account she said she would get back to me and never did. On XX/XX/2020 my 3rd party echeck merchant sent my echeck deposit to this branch they have been for years, I got a call from XXXX now telling me they don't accept 3rd party echecks so I went into the bank and picked up my echecks and deposited them into my XXXX XXXX account with no problem. They next day XX/XX/2020 my account was frozen and flagged for suspicious of a fraud check and then closed on XX/XX/2020. No checks were deposited and no one told me when i went into the branch to pick up the checks, i even made a cash withdraw and still no one told me anything that day. i called customer service twice and they referred to the Fraud department and both times the fraud department told customer service to refer me to the bank branch directly and still all they said was it was in their best interest to close my account. I spoke to the branch manager XXXX and XXXX on XX/XX/2020 and both couldn't explain why. XXXX even laughed saying ' we just decided to close it.This is unfair and not the way to conduct business. Stay away from this branch and bankers, they are not professional and will close your account without even calling you if they feel like it and their customer service is ridiculous
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Yesterday and for XXXX XXXX XXXX I have been working hard to manage my accounts for better scores to purchase house and car. Yesterday score was XXXX all info same today lowered score XXXX points nothing was changed I paid as I was supposed to someones tampering with this account.
Consumer complaint received 2023-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

I was sent a text from Wells Fargo saying that I needed to contact XXXX XXXX because I was being hacked by XXXX. I called the number provided ( XXXX ) and was told I was speaking to XXXX XXXX. He gave me a case number : XXXX. I was asked to download two apps. One is called XXXX the other is XXXX. I was told that a dummy account was being set up so that a couple of dummy transactions would occur to establish security. Four transactions were conducted and were shown to not affect my account. Then I was asked to do the same thing with a wire transfer of {$25000.00} to accomplish the same thing. I was instructed to call the bank immediately to tell them to make sure the wire transfer was completed. At this point I understood that this was fraudulent and contacted the bank immediately. The bank told me that wire was executed and could not be reversed. 

I am concerned that the bank did nothing to authenticate the wire transfer. I have never wired money before and I have never dealt with XXXX XXXX Bank. I contend that the bank is liable for not following a protocol to flag fraudulent transacti
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Synter Resource Group, LLC. (TN)

I have told Synter Resource Group the debt collector company multiple time to cease and desist all communication activities just recently on XX/XX/2023. The debt collector ignored my request and persisted to call me even today. The company called me after I told them to stop on XX/XX/2023 and XX/XX/2023. This is debt harassment per 15 USC 1692d ( 5 ) Harassment or abuse ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. I am an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The debt collector is disrupting me from doing my job which also puts me at risk of losing my job and safety. I have already told them to cease and desist and that I will send a letter, but they are not respecting my federally protected rights and the Fair Debt Collection Practices Act. This is a violation of 15 USC 1692c ( a ) ( 2 ) Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ;
Consumer complaint received 2023-11-27
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 a 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 2020-01-22
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: Experian Information Solutions Inc. (FL)

Experian recieved letter XX/XX/18 I am a victim of ideninty theft and mail fraud XXXX XXXX is a result of ideninity theft XXXX did Not resolve ideninity theft reported XX/XX/2018 It appears the card numbers on this results letter from Experian changed XXXX last four XXXX changed to XXXX In my letter Experian was informed I DEMAND THE ABOVE ACCOUNTS BE VERIFIED WITH ORIGINAL DATED SIGNATURE OF AMOUNT OWED OR DELETED IMMEDIATELY XXXX never resolved ideninty theft. I have tried to get them to resolve They say resolved no explaination provided and reported me in retailation to LOWER MY SCORE Once more putting fraud back on XXXX elderly Americans that they know are targeted Experian does not accept FTC identity theft Report provided or provide the ORIGINAL DATED SIGNATURE FOR THESE AMOUNTS OWED ON ACCOUNT NUMBERS REPORTED FTC says ideninty theft can not be collected to protect consumers
Consumer complaint received 2023-11-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I purchased a XXXX  XXXX for {$13000.00} put {$4000.00} down in a car with trade-in value of {$2000.00} completing the total of {$6000.00} under the CFPB down payments are legal does violating my rights as a consumer through capital one financing I did not receive my {$13000.00} cash in hand or deposit into my bank account for this transaction they refuse to give me any information my down payment back or my title. they also did not give full disclosure for the sum of all charges which shouldve been included. Ive sent a cease-and-desist letter I also revoke my signature from the contract and ask for validation of debt also sent an affidavit of truth. Still no response to rectify the situation
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have had a checking account with Capital One for several years. I have used their XXXX XXXX service without an issue until this past XXXX and XXXX. 

This past XXXX I noticed that my gas bill had not been credited for the XXXX and XXXX payments ( {$110.00} and & XXXX ) although Capital One had debited my account. 

I called Capital One to find out what had happened to the gas company payments. They had assured me the payments were made electronically. 

I then called the Department of Public Utilities ( DPU ) who claims they have never received electronic payments from Capital One or their processor XXXX. They received paper checks and if I can provide the front and back of those checks the issue would be resolved. 

Capital One continues to send a report but no copies of the check. 

I need someone to help me get to the bottom of this. I feel that I had contacted with Capital One to make these payments and PROVE THEY WHERE RECEIVED.
Consumer complaint received 2023-11-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC (CA)

My father XXXX XXXX died in XX/XX/2023. I inherited his house upon his death ( title is in the name of his trust and I am the beneficiary of his trust and will ). I contacted the mortgage servicer CrossCountry to inform them that I was now the owner of the home and to obtain information about the mortgage. They refused to give me information and told me I needed to submit documentation to prove that I owned the property and establish myself as Successor-in-Interest ( SII ) on the mortgage account. They sent me a checklist of documents needed. After submitting all the documents I had in my possession and that were on the checklist ( including the trust, will, death certificate ), CrossCountry is still refusing to authorize me on the account as a successor, stating they need more documentation. I was perplexed because I gave them everything I had. I sought the help of a Legal Aid attorney to intervene and they told the attorney that I still need to get a court order or official letter from my county. The attorney explained that this is not possible to obtain in my situation, yet CrossCountry still will not authorize me on the account. The account is delinquent and I am worried that the house will go into foreclosure over their refusal to give me information about the loan.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XXXX XXXX or so, I made a cash deposit of {$5000.00} via ATM. I then made a ACH withdraw request, asking XXXX to get the cash from the Citi account. This was because I was going to transfer the money overseas using XXXX. This would have been a much cheaper option than doing an international wire transfer. 

On around XX/XX/XXXX, I couldn't log into my account. I tried to reset my password, and the site told me my account was inactive. I called on XX/XX/XXXX, and Citi transferred my call to the fraud department. I told them why I made those transactions as above, and that I recognized the transactions, and they were not fraud. They only told me that the account was " in progress '' and for me to wait to the end of the week. 

Today XX/XX/XXXX, I called again and was told the same story. They told me they should have sent me a letter, but I have not received anything since the issue first came up around the XXXX. Citi is just keeping my money frozen with no estimates of when they will resolve.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.