davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

. 
Complaint I am writing to formally dispute the followin inaccuracies on my XXXX XXXX XXXX XXXX account, as required by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
On [ XX/XX/year> ], I submited a dispute to XXXX  regarding [ COLLECTION ACCOUNT ]. XXXX XXXX XXXX XXXXXXXX was obligated to complete its investigation within 30 days, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ). Howeve, to date of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX has failed to respond to my dispute, violating the FCRAs timeframes. 
Additionally, XXXX XXXX failure to investigate this dispute has prevented me from exercising my rights under 15 USC 1681i ( 5 ), which requires the deletion of unverifiable information. By not verifying or correcting the disputed information within the 30-day period, XXXX XXXX XXXX XXXX has violatd this provision of the FCRA. 
Due to XXXX XXXX XXXXXXXX noncomplianc with the FCRA, I am requesting that the Consumer Financial Protection Bureau XXXX CFPB ) investigate this matter and take appropriate action. XXXX XXXXXXXX actions have caused me significant harm and inconvenience, and I expect full restitution for all damages incurred. 15 USC 1681s-2 ( 8 ) e restricted the investigation period for disputing with a creditor to USC 1681i ( A ) 1 a. Which is a 30 day period to complete its investigation. This investigation triggers all aspects of 15 USC 1681i ( 5 ) treatment of unverifieable information that must properly be deleted if the investigation can not be deemed verified within 30 days. 15 USC 1681s-2 ( 8 ) e equals 30 days response to dispute equals 15 USC 1861 i ( A ) 1 a which is equals to 15 USC 1681 s-2 ( 7 ). Im here by requesting in good faith pursuant to Rule 1002 that the Notice was sent, when was the notice sent, what notice was sent and notice the address was sent to regarding the furnishing of this negative information. 
I am attaching copies of all relevant documentation, including the dispute letter sent to XXXX XXXX and any correspondence received from them. I request a prompt investigation into this matter and appropriate enforcement action against XXXX  XXXX # XXXX **** Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC (NC)

I have {$500000.00} in My Banking Direct ( Flagstar Bank ) in a MBD High Yield Savings Account and have been trying to transfer all of this money back to the account that it came from ( XXXXXXXX XXXX XXXX since XXXX. I was told on XXXX that it would need to be approved because it exceeded the transfer limit and it would take 2 business days to approve. I have called each day and it has not been approved. today is XXXX and it is still not approved. I began depositing in this account in XXXX of XXXX I also mailed a letter on XXXX to Flagstar Bank, XXXX XXXX, XXXX NY XXXX Attn : Bank by Mail as instructed by their rep to close my account.
Consumer complaint received 2024-08-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

When I moved out of XXXX XXXX XXXX they informed me that my XXXX  XXXX rent relief funds would cover any closing costs that I had owed. I was approved for over {$3000.00} in XXXX Rent Relief, which would have covered the closing cost and then sum. I recently received a copy of my credit report and to my surprise I saw Genesis Credit Management on my credit. When I disputed this account, they emailed me a copy of my leasing agreement and move out statement that shows they did not apply the XXXX rent relief funds.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was a victim of fraud/a job Phishing email I got via my university email. the scammer convinced me I was employed and that I should send out donations and later be reimbursed in the form of fraudulent forged checks ( total of 6 checks I deposited across all 3 accounts ) that I placed into three of my Capital One accounts. all of these bank accounts were then closed and capital one ended their business relationship with me and one out of three of these bank accounts had been overdrawn into a negative balance because I had sent out my money for one of the donations and then I deposited the {$950.00} check just for it to be reversed days later I immediately paid this negative balance to bring my account back to XXXX dollars. Capital One has been communicating with me the remaining funds in my account and is in the process of mailing me my money in the form of check as of XX/XX/year>. Capital One reached out to me and let me know that they are reopening their business relationship with me and that I'm allowed to open up bank accounts with them again. I am very grateful that Capital One has changed their mind as I have been banking with Capital One since I was XXXX XXXX XXXX and the mistake I made came out of a police of innocence. Very happy about this decision. I decided to go straight ahead and open up a savings account again this went through successful however the checking account was denied because of early warning services who reported to Capital One that my deposit score is XXXX and that it is a higher risk score. capital one informs me that these are the major factors impacting my score the number of accounts in a hybrid status the time since the accounts last went into high status, the number of different banks inquiring during the last two years, and that the consumer currently has no accounts in open and in present status. I asked Capital One if this situation I've been and will have negative consequences financially and they stated no as long as I paid the overdraft amount. I'm only XXXX XXXX XXXX and I'm unable to open a checking account, because XXXX XXXX XXXX is keeping a bad record of me when I have already resolved the situations with Capital One and it was truly an innocent mistake that I will never make again because I know how to navigate fraudulent checks now and job fishing emails that can get to me via my university email.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX  Experian XXXX and XXXX XXXX have violated Title 42, Section 408 ( a ) ( 8 ) of the United States Code ( USC ) by publicly using my social security number publicly in concert attempting to deprive me of my right to free will. Further violating U.S.C title 18 section 242 color of law. XXXX XXXX has lied about documentation sent to me which I have never received mostly because they are reporting a in accurate address claiming it's accurate. Also violating the false claim 31 u.s.c 3729 by false inaccurate reports all companies and agencies named in this complaint has 10 days to correct this issue or I will be seeking the United States of America federal courts for my further civil and criminal remedies. I further request that XXXX XXXX Experian XXXX XXXX all send me proof of my authorization to report anything publicly. This is defamation of character and an assault on XXXX Americans.
Consumer complaint received 2024-08-04
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: Experian Information Solutions Inc. (NY)

I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. As per my recent credit report, there are multiple inquiries that I did not authorize. Below is the detailed list of these hard inquiries : 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 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 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 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 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 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 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 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 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 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 XXXXXXXX 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. Furthermore, I have filed an identity theft report which is attached to this letter. 
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 such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, per the Fair Credit Reporting Act section 611. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX today I was in branch Wells Fargo Bank XXXX XXXX XXXX XXXX, XXXX, PA XXXX Phone : ( XXXX ) XXXX to get my debit card and account unblocked and also to get my XXXX unblocked and bank online access unblocked and money wire transfer access unblocked and mobile deposit unblocked and when she called in the agent told her everything was unblocked but that was a lie the agent only unblocked the bank online access and only also unblock the mobile deposit access and whe the banker worker call back in to get the XXXX unblocked and money wire transfer unblocked she couldn't get it unblock they claim their system was done over a glitch and the banker worker ask the agent if I should wait at the bank and she will call back or could I call customer support to get the XXXX and money transfer unblocked and he said yes he would also add a note to my account stating I was fully verified and I didn't have to verify again when I call in they would straight help me when I have called in the customer support and tell the agent I need my XXXX and money transfer to be unblocked she transfers me to another department and I told them the issue I was at the bank and they say they couldn't help me I need to go back in the bank and have the agent call them and when I told them everything both agents did and say and they blocked my online access again for no reason when I have called in my online bank username is XXXX I want y'all to unblock the XXXX and unblock the online bank access and unblock money transfer because I been having this issue with y'all and can't get it resolved for fixed the right way for months and almost a year now and I am getting tried of this and I have to keep going to the bank for no reason to get a issue when they sometime can't help you out right or sometime can't help or get it resolved or fixed the right and sometime I can't go to the bank I don't have transportation and I want y'all to unblock my bank acesss and unblock my XXXX and unblock my money transfer and unblock mobile deposit access and the branch worker who was helping me was XXXX  and her email was XXXX and I also am requesting a one-time account credit for this issue for {$2000.00} to {$3000.00} for this issue y'all giving me or can't resolve for me or y'all can give me any account credit y'all want for my issue y'all workers or giving me for no reason My name is XXXX XXXX phone number is XXXX or XXXX you can contact me at both phone numbers and contact me at email is XXXX please also add this to my complaint XXXX CFPB look at the attached below of the issue I am facing and account number is for wells fargo account XXXX.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AE)

Information listed on my file is inaccurate and fraudulent accounts I'm asking that these accounts can be deleted from my credit report. If there is any extra documents that needs to be provided please be sure to reach out to me via email thanks.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

{$5500.00} Open balancXXXX XXXX XXXX Original creditoXXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXXXXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

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 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 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 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (WA)

my full employment history is not listed after I've reported it and also I reported some payments that I made to the XXXX  company the electrical company and the place I rent from they said they do not put those things on my report because I'm not authorized to do so then tell me who else is authorized I find this totally outrageous that that they can't verify what I'm sending to them by me giving them the account numbers and places where I made payments to
Consumer complaint received 2024-08-04
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. (GA)

My name is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number : XXXX any other information being reported on my credit report by Experian, XXXX, and XXXX is incorrect and is a result of identity theft, and shall be corrected immediately. 

I recently disputed some incorrect items on my credit report with all 3 bureaus, and they all claim the disputed accounts were verified as accurate. In my dispute i asked them for a debt validation, and proof of investigation, but the requested items were not sent to me. I am seeking compensation for damages for none compliance. under 15 USC1681n ( a ) ( 1 ) ( A ) which allows consumers to recover up to {$1000.00}. Their constant neglect to properly report my credit has been affecting me and my XXXX XXXX XXXX daughter 's ability to get a car note, credit cards, and apartments. I am wanting for them to be held accountable for their negligence and causing us pain and suffering. XXXX, Experian and XXXX are tarnishing my name and my identity and it's not right. I am referring to these accounts below : XXXX XXXX XXXX Account number XXXX Balance {$9200.00} XXXX XXXX Account number XXXX Past due amount {$140.00} Hard inquiries : XXXX XXXX XXXX  Inquiry dateXXXX XXXX  XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX I am using these laws below to challenge their claims against me, and again I am demanding to be provided documents such as debt validation, timing of payment, proof of investigation ect...

15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1666b - Timing of payments
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Informed XXXX to cancel my service account on XX/XX/XXXX. Account was never cancelled and my personal Bank of America account was debited XXXX times in subsequent months. Called XXXX again on XX/XX/XXXX. They agreed to credit my account for 4 charges. They submitted credit to my Bank of America account to credit me {$34.00}. Asked XXXX rep to make sure my Bank of America account was not charged again. XXXX rep insured me it would not. Called Bank of America on XX/XX/XXXX. Bank of America informed me that XXXX had charged my account {$420.00} since XX/XX/XXXX. I asked that these charges be reversed. Bank of America informed me that they would put in a dispute for {$420.00}. I checked the dispute status on XX/XX/XXXX online through Bank of America 's website and found no dispute that was currently active. Upon calling Bank of America 's number I discovered they had no dispute on file. When I questioned their professionalism, they disconnected the call. Unfortunately, my Bank of America account was charged {$8.00} again on XX/XX/XXXX. I can not get the charges to stop from XXXX and Bank of America will not stop them.
Consumer complaint received 2024-08-05
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)

My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MD)

This company is reporting fraudulent inaccurate information such as my name on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.