davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bison Recovery Group, Inc. (SC)

Keep receiving numerous calls from Bison Group - " wanting to ask questions regarding XXXX '' ( my son ). " What is your relationship to XXXX '', " What is the current mailing address for XXXX '', " Where does XXXX work '', when I refused to give any info gave me an attitude then said " I will contact another relative '' - then proceeded to call and leave messages with his dad, his sister at college, his girlfriends mother, his girlfriend -- guess these show up as possible relatives on a XXXX search/social media. Asked where girlfriend worked- all kind of crazy invasive questions. Wont stop calling all of these people who have nothing to do with XXXX financial life even if XXXX did have outstanding financial obligations to this company which he does not. Rude, deceptive people who are out to trick people
Consumer complaint received 2022-06-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under XXXX XXXX XXXX XXXX section XXXX ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX EMPLOYER : XXXX XXXX XXXX  Inquiries : XXXX XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXXXXXX XXXX Experian XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX, NJ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX, CT XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-20
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. (PA)

I CONTRACT EXPERIAN ABOUT AN BANKRUPCTY ON MY CREDIT FILE, THAT EXPERIAN SAY THEY RECEIVED FROM XXXX, XXXX SEND ME A LETTER SAYING U DO NOT HAVE A BANKRUPCTY ON FILE WITH US, SO I SEND EXPERIAN THE SAME LETTER BUT THEY REFUSE TO DELETED IT OFF MY CREDIT REPORT.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I've tried to reach out to Capital One to settle this concern I had and they really couldn't help I asked Capital One to prove me with an SSA-3288 to show that i gave them actual consent to report or put anything on my consumer report even if they're process is online or not, they should still be able to provide me with a consent form, according to 15 US Code 1681a ( 2 ) ( Exclusions ) Things that aren't supposed to be included on a consumer report. Information solely as to transaction or experiences between the consumer and the person making report. Consumer- is an individual ( ME ). Person-Any individual partnership, Corporation, Trust, estate, cooperative association government or governmental subdivision or agency, or other entity. Experiences & Transactions- Applying for a loan, credit cards, late payments, high utilization, charge off ( s ), collection accounts, Judgements, Repos, Bankruptcy. Just to name the different things i found that XXXX XXXX clearly didn't care to read when they continuously violate my rights. 15 US Code 1692 of the FDCPA is another violation that Capital One decided to violate because I asked them for Validation and its unlawful to submit information that was submitted by the furnisher to validate that debt but instead of conducting interviews with loved ones, neighbors, friends, like the cops would or the FBI would, They just went ahead and Just sent me a computerized Validation and didn't even take the proper steps to inform me when they was going to start the investigation. According to 15 US Code 1681 ( n ) Civil Liability of willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Consumer complaint received 2022-06-22
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2019-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/XXXX, I withdrew {$32000.00} from my account at XXXX and purchased a cashiers check. I went to Bank of America and deposited the cashiers check in to one of my DDA accounts. Bank of America placed a 10 day hold on the cashiers check stating they dont know when they would get the funds. I tried to get the hold removed on XX/XX/XXXX and again on XX/XX/XXXX! With real time payments we all know the funds were at BofA and you can not put a stop payment on a cashiers check. Why do they still have the outdated 10 day hold?? They are denying me access to my cash deposit as a cashiers check is supposedly the same as cash!
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

ACCOUNTS AREN'T MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Duncan Solutions, lnc. (PA)

On XX/XX/2022, consumer received documents in mail from Professional Account Management LLC alleging debt owed. Professional Account Management LLC is a third party for XXXX XXXX XXXX Both companies have violated FDCPA
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In the accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX XXXX ) Account # XXXX has violated my rights. 

15 U.S.C 1581 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 2022-07-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MD)

My XXXX state tax refund was deposited into a Wells Fargo bank account. This is account is not mine and I never had a Wells Fargo account. I believe who ever the account was has taken my tax refund. I did not give permission to have my tax refund deposited into this account. The refund was deposited into this account around XX/XX/XXXX. The bank will not give me any information on how to get my money back.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ACCOUNTS AREN'T MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

A number from XXXX, TN. called and said I was being subpoenaed. I had to call an XXXX number with a case number to find out what it was about. They pulled up a file saying I owed {$4000.00} from a credit card I opened in XXXX. I supposedly stopped paying XXXX. I never had credit cards during that time. I called to verify my credit to be sure I really didnt owe anything. It was confirmed this is NOT on my credit report. This is a scam! The bank reported I owed to HSBC which is a bank over seas.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following names, accounts or inquiries : Name : XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX Accounts : U S DEPT OF EDXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00}, XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$200.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; Inquiries XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Despite XX/XX/XXXX Letter from XXXX that my {$100000.00} student loan has been paid in full Equifax has continued to inaccurately maintain false and inaccurate information that I owe {$100000.00} Congratulations! The Biden-Harris Administration has forgiven your federal student loan ( s ) listed below with XXXX in full. This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective XX/XX/XXXX.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following names, accounts or inquiries : Name : XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX Accounts XXXX U S DEPT OF EDXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00}, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$200.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; Inquiries XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXI XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2022-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo is stating that the Private Mortgage Insurance for my home can not be removed due to the current length of the mortgage and that there hasn't been any significant improvements. The steps for removing PMI have been taken through the bank 's recommended broker. The broker came and inspected the home with a value of {$500000.00}. This evaluation has put the equity value over 20 % compared to what's owed. The bank has claimed the PMI can not be removed because the mortgage term hasn't reached XXXX years of payments. This requirement isn't disclosed clearly in their documentation and doesn't appear legal according to the XXXX.
Consumer complaint received 2022-07-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Experian even acknowledged in one of their replies that I was requesting to have a copy of the permissible permission used to access my credit report in XX/XX/2017. But then they stated XXXX XXXX XXXX XXXX states they are reporting accurately and nothing about sending me copy of the permissible permission.???????????? Either XXXX and Experian are XXXX  or the biggest non professional game players in America. 
Experian is wasting time and playing games sending this to COAF because COAF lies by stating they are reporting accurately and does not send copy of permissible permission used to have accessed my credit report. And Experian does not protect my personal information. Neither of these companies have any right to be on the stock exchange.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX and XX/XX/XXXX, Bank of America ( my bank ) withdrew {$1000.00} and {$1100.00} putting my account in the negative. I was told it was due to duplicate deposits from two previous paychecks made out to me with my address on them dating XX/XX/XXXX and XX/XX/XXXX. Both checks I had already mobile deposited into my account on XX/XX/XXXX and XX/XX/XXXX. Both checks are from my employer and my employer uses XXXX XXXX XXXX XXXX  and those checks were issued to me. Later I was told that someone had gotten a hold of those physical check and attempted to deposit them. This person was not successful for the first check XX/XX/XXXX {$1000.00} therefore BOA had given me those funds. The second check was successfully deposited to the check thief in the amount of {$1100.00} check date XX/XX/XXXX. This check was deposited by a male. The check I had already mobile deposited therefore it already had my signature on it. This male deposited this check at a BOA with his name, which is not legal since the check had MY name and MY signature on them. BOA is refusing to give me my money. I am the victim of fraud and BOA has not replaced my funds after they accepted my check with my name and signature from a man under his name. I am enduring financial hardship because of this and am close to losing my housing. I am begging for some kind of help. I have already filed a police report and the investigator is on the case and also advised me to report to the FDIC and CFPB. Please help me.
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (TX)

I opened checkings account with citibank 2 months ago, deposited almost XXXX thousands dollars! Few days later I tried to transfer {$500.00} from my citi bank to XXXX XXXX They kept on suspending my account! Called the technical support guys and they told me everything was fine and I could go ahead and transfer the money. After few tries they just closed my account for fraudulent activity, I had almost {$4700.00} dollars on the account! Been calling them for past 2 months they keep on ignoring me or hang up the phone on my face plus I ordered account statements they did not send anything except for a letter saying your photo copy request and. Reference no.
Consumer complaint received 2022-06-22
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 — Problem with personal statement of dispute
Company: Westcreek Financial (FL)

PLEASE SEE ATTACHED PRE-ARBITRATION NOTICE BILLING ERRORS BREACH OF CONTRACT POSSIBLE TAX FRAUD FALSE AMOUNTS OWED XXXX XXXX ACTING AS A DEBT COLLECTOR MISLEADING FORMS TO COLLECT A DEBT NOT OWED REFUSAL TO SEND REQUESTED DOCUMENTS ELECTRONIC FUNDS TRANSFER AFTER CONTRACT
Consumer complaint received 2020-07-11
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately