davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I am a XXXX XXXX who received EIDL loan from SBA for approximately $ XXXX in XXXX of XXXX. At the time, I spoke with a representative from the SBA regarding this loan to assure everything was above board and they assured me there were no issues with independent contractors and XXXX XXXX who choose to file taxes under their social security number, which I often use in place of an EIN. I chose to have the funds deposited into my Capital One 360 checking account, aware of no issues with such a transaction. 

Fast forward to XX/XX/XXXX, when my checking account was frozen with no explanation given. After several days of trying to reach a specialist, on XX/XX/XXXX I was informed that Capital One has investigated my business and found me to be suspect of fraud and is choosing to terminate the relationship with me, seizing my account and planning to return the remaining balance to the SBA. 

I could not get an answer as to who initiated this investigation or why, but was not given the chance to provide proof of the legitimacy of my business. In fact, I was insulted and ( mis ) informed that I work " for '' companies who actually contract me to conduct business on my own accord.
Consumer complaint received 2022-09-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXXXXXX Balance : {$8200.00}
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AZ)

Dear CFPB Complaints, Firstly, I would like to thank Experian for responding to my previous complaint. 

However, I am still awaiting my credit report because it has *not* been sent as promised. 

In their last correspondence, they wrote to me : " We are in the process of adding your current address to your file. '' " Once your address is added to your file, a full report will be mailed to you. '' " We are in the process of sending your Experian report to you for review and confirmation by US Postal mail. Please allow up to 10 days for delivery. '' I was grateful to receive this positive response, however the report never arrived. 

To recap, I have requested my report several times : - XX/XX/2020 : Applied electronically, but was only able to receive my Transunion report - XX/XX/2020 : Applied by mail, but only received a generic unhelpful response - XX/XX/2020 : Applied by mail with more information, but received the same generic unhelpful response - XX/XX/2020 : Complained via CFPB and received confirmation that my report would be sent - XX/XX/2020 : Filed a second complaint with CFPB Also, it was mentioned in Experian 's response that my previous annual credit report requests were delayed due legibility concerns with an unspecified document. I dispute this since the documents were prepared professionally with due diligence. 

Lastly, I have tried to be professional and refrain from making any personal comments, but I feel great frustration and stress related to this process. I expect that we would all agree on the following tenet : " Treat others how you want to be treated. '' I ask whoever is reading this to please consider how frustrated I must be by this process.
Consumer complaint received 2022-02-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (PA)

We were in the process of completing a home mortgage with PNC bank. We were given a pre approval from PNC and instructed to pay appraisal fees ( {$750.00} ) and complete a home buyers course ( {$75.00} ). We complete what was requested and paid required fees only to be denied the loan. Considering fees were already paid we contacted PNC bank to start process over. We were told they would get us another pre approval ASAP. This was in the beginning XXXX, to date we have heard from the bank - no returned phone calls or emails. We have moved forward with a different bank, but are out the funds PNC charged and granted us no mortgage. We are inquiring about a refund for the funds loss totaling {$830.00}.
Consumer complaint received 2022-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (HI)

A collections from Caine & Weiner showed up on my credit report with a date report of XX/XX/2022 from XXXX XXXX. Age of account is 3 years and 8 months. I do not know what this is. Another collections with the same age date of 3 years and 8 months has already been disputed and submitted as fraud and identity theft. This collection form Caine & Weiner is due to fraud and identity theft. My credit has been frozen due to these identity thieves trying to use my information to open credit cards and financial accounts.
Consumer complaint received 2020-11-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Equifax, XXXX and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Consumer complaint received 2020-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (WI)

On XX/XX/XXXX, I contacted XXXX XXXX via support chat to ensure that my account had been fully closed out and that there were no payments owed. I was told that I needed to return the " XXXX XXXX '' and that they would send out a return kit for it, and that would satisfy everything owed to XXXX. When the kit came, I put the XXXX device in the bag, and took photos of it. I dropped it off at XXXX and got a receipt for it. On XX/XX/XXXX I got a collection notice from I.C. System claiming that I owed {$160.00} to XXXX as the " original and current creditor '', without any contact from XXXX except the aforementioned support chat. On XX/XX/XXXX, I sent a certified letter to I.C. System disputing the claim and requesting a full explanation of the alleged claim. I received NO RESPONSE from I.C. System. On XX/XX/XXXX, I received notice from Experian that my credit report had a new entry, and I found that I.C. System had improperly placed a derogatory report on my account. I.C. System never responded to me in my request for explanation of the alleged amounts owed, and just placed a negative report on my credit history.
Consumer complaint received 2021-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NC)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2020-11-13
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. (FL)

In XXXX of 2020 I sent my first dispute letter to Experian to dispute two fraudulent accounts that are on my consumer credit report. After sending three more dispute letters in the months of XX/XX/2020, XX/XX/2020 and XX/XX/2020. Experian has yet to furnish copies of an original signed consumer credit card application with my signature. This is a violation of the Fair Credit Reporting Act which I have notified Experian that this company is in violation of Section 609 ( a ) ( 1 ) ( A ) states, '' the credit reporting agency is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a consumer 's credit report ''. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I am asking that the Consumer Financial Protection Bureau intervene on my behalf to have these two fraudulent accounts removed from my consumer credit report as soon as possible.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On behalf of Bank of America my card account was closed/ frozen on XXXX XXXX @ XXXX XXXX  eastern time. they say its due to fraudulent/suspicious activity on the account. I asked them why was the card closed they said that the unemployment office sent a email advising them to close my account and to contact them for further details. I call my unemployment office and spoke with every department that has stated to be that there is no fraudulent activity on my claim and that my Bank of America account is within good standing. So I retaliated back to the bank and have spoken to many departments about this issue and of course they all say its close led due to the state! The bank are the only company that has initiated that my card account was closed and sent several letters saying that the Bank of America has suspected fraud! XXXX unemployment is unaware of this action and has not specified any letters or communications with me about my account closure they are clear that Bank of America initiated the closure and should be the ones to fix the issue they also say they have no control over the account once they release funds into an account that its out of their control. This issue has be ongoing since XX/XX/XXXX and neither company has partake in resolving the issue! I have endured so much stress financially and emotionally. I would love for this matter to be resolved so I can received my funds and move on so Im reaching out to get help from other sources.
Consumer complaint received 2022-08-20
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. (TX)

On XX/XX/2022 I disputed by mail the fairness and accuracy of experians reporting of several items on my consumer report. In experian response they claimed to have conducted an investigation and said the items were verified and would remain on my report. On XX/XX/2022, I requested by mail or experian to provide there method of verification for each item ; I requested that experian provide the SSA-89 form with my wet-ink signature, a necessary form requisite by way of written permission to utilize property of the social security administration ; and I requested that experian provide me with proof of my written consent to consumer reporting with experian which would also require a SSA-89 form. experian never responded to such requests or the CFPB Complaint ID XXXX regarding these requests. experian only opened another dispute for the items instead of providing the proof I requested from them that reporting these accounts is fair and accurate. 
On XX/XX/2022, I received confirmation via the CFPB ( complaint ID XXXX that experian was in receipt of 1. ) appropriate proof of the identity of the consumer ( me ) ; 2. ) a copy of an identity theft report filled out by me ; 3. ) the identification of the information reporting as a result of identity theft both in my identity theft report as well is in my statement ; 4. ) my statement by me, the consumer, that the information is not relating to any transaction by me, the consumer. All this information was provided in accordance with 15 U.S. Code 1681c-2 - Block of information resulting from identity theft. 15 U.S. Code 1681c-2 ( a ) BLOCK states Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of - the above referenced information I received confirmation experian is in receipt of. As of XXXX, XX/XX/2022 it has been 5 business days since experian has been in receipt of the four requirements of this section of the FCRA and experian has not blocked and removed the items. experian has still not provided the SSA-89 form for proof of consent of experian reporting of my information nor the SSA-89 forms for each alleged creditor as proof of consent for furnishing my information.
Consumer complaint received 2021-08-13
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. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I write in response to an urgent matter pertaining to my Citibank checking account # XXXX. I reported two fraudulent transactions made last year using my old debit card and was made aware recently when I called customer service that the agent did not file the correct type of dispute, thus why I did not receive any refund to my account. The two charges are from XXXX for {$1700.00} and {$970.00} respectively. As of todays date, Ive received no credit adjustments to my account for those charges. 

Today, for no reason whatsoever after I followed up on the status of the dispute, my debit card was locked and Im unable to login to my account. I do not understand why Citibank so heavily relies on outsourced customer service agents. Citibank can afford to pay customer service agents here in the United States to assist customers. There is clearly a language barrier with many of your overseas customer service representatives in the XXXX and XXXX. 

Now I have no access to my account, its the weekend and this is how Citibank treats its customers during a pandemic of all times. Please have someone call me at XXXX as soon as possible. 

If my matter is not resolved i will file a lawsuit in small claims court and redress my damages!
Consumer complaint received 2022-10-10
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. (LA)

I received documentation from XXXX XXXX saying that I owe them a debt. These documents arent proof and the looked created by XXXX XXXX rather than official from XXXX XXXX. All documents look fake. There is no transactions to show why the amount is what it is. They dont contain a wet signature from me stating that I agreed to a contract with them neither to this XXXX XXXX account. Look at attached documents below.
Consumer complaint received 2022-10-29
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX  XXXX Balance XXXX {$140.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-08-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2020-11-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

It involves XXXX XXXX XXXX XXXX buying out bonds.On XX/XX/18 I settled my accident and received 1 check for {$190000.00} and went to JP Morgan chase and deposited it with the help of XXXX XXXX He scheduled an appointment with a security adviser XXXX XXXX we sat down and invested {$100000.00} in a managed account, and {$60000.00} in annuities acc. Last week I received a change in a health care annuity and a money order that was not the money order I had opened the account with.When I went to report the fraud XXXX XXXX would not do it due to chases banks rules then I found my debit card was being used and had to cancel it.on Monday I waited for the mail and it did not come.when I returned home that day there was a XXXX package and I opened it. And there was a magnet to XXXX. When going to bed that night I found the envelope with my new card tampered with.and placed another fraud on that card I'm still waiting for my new card. There is 2 checks from each lawyer equaling up to the amount of the check I deposited.and XXXX XXXX was also the one one who wanted me to register a car at XXXX XXXX.due to the case of dealer swap.I just found out my sister obtained a passport with my picture.And has been impersonating me in court cases that are using bonds to pay out claims.XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX.The man I live with is XXXX XXXX, and holds the key to the mail box.I recently ordered my XXXX 's XXXX and it came and all it had was a privacy notice suspicious I called and ordered another and was told they mail a code to receive it I did not get the code and someone did. And altered the report and presented it to the courts and I can't find what court..I have been fighting identity theft, insurance, car, motorcycle, ,bank you name it.Ive had 112 complaints in and nobody replies.I just received notice that I owe {$290000.00} in medical bills that were suppose to be paid in my settlement.XXXX XXXX XXXX XXXX, XXXX XXXX.are all involved .
Consumer complaint received 2022-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (DE)

The company did not provide an explanation for the limitation of my account, limiting itself to referring to the user agreement. She could not answer what actions I had taken could have caused such a decision. Therefore, I believe that this company did not respond to my claim. PayPal executive office rely to " high level of risk associated with your Account ''. However : 1. My account got only 19 completed orders on this account. 2. I got 0 complaints for all the time that I use this account. All my customers were happy. 3. On my previous account I had a hundred of completed orders. I passed all checks from PayPal and my business wasn't " high risked ''. I didn't change my business since that. 4. I consulted with PayPal support about my account and actions and there was no problem with my account or anything. I'm not sure that PayPal even tried to check the problem closely because they didn't asked me for any documents or proves of fulfilment of my orders. I am happy to contribute to PayPal, but they do not give me a single opportunity to exonerate myself. Also they don't give any reasonable explanation for blocking my account.
Consumer complaint received 2020-11-13
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: Experian Information Solutions Inc. (MD)

The extension of this loan given through the use of the Federal Family Education Loan Program constitutes an extension of credit under federal law. Federal law defines a loan and extension of credit as all direct or indirect advances of funds to a person made on the basis of any obligation of that person to repay the funds. According to the Fair Debt Practices Act, 15 USC 1692a., there is no definition for the term loan.Also, banks can not lend money, nor extend credit. A national bank has no power to lend its credit to any person or corporation Bowen v. Needles Nat.Bank,94 F 925,36 CCA 553, certiorari denied in 20, Ct 1024,176 US 682,44 LED 637. The law is not based on belief it is based on facts and what can be proved. I am granting you one last opportunity to cure this matter. Remove this debt from my consumer reports as this is damaging my reputation and causing me financial injury, and apologize for violating me.