davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an credit card account opened at at XXXX XXXX XXXX on XX/XX/XXXX Account number XXXX An Collection Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) on XX/XX/XXXX Account number XXXX An Collection Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) hard inquiries not authorized for : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX DEPARTMENT OF EDUCATION, XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/year> a wire in the amount of {>= $1,000,000} was wired to me by my attorney for a sale that concluded. The wire went to Wells Fargo Bank, XXXX XXXX as they are the intermediary bank to my credit union, who was notified that the wire in a very large amount was coming and they wanted to verify me as a client of the credit union. 
All information was recorded properly on the wire receipt but Wells Fargo told me that they do not know where the money is and at first stated, that they never received it. 
As of XXXX, XX/XX/year> they now say from the wire department, that it is probably with compliance but they are not sure. I asked how do I get in touch with compliance and they said they did not know but compliance should be getting in touch with me. Then the wire department said that because I did not have a Fed Transaction number they could not tell me where my money is at. I explained it came from out of the country and I read them the XXXX  XXXX but I was informed the I needed a XXXX number that I had never heard of ; the reason was that the number is strictly for some type of Russian Transaction to which this is absolutely not. They also said that if I do not hear anything within 90 days, they will either release my money to me or return the funds back to the originating bank. I am now in my XXXX day since my wire was sent and no communication from Wells Fargo. The sending bank has stated that they are not in receipt of my funds being sent back and that in fact it is well beyond the time for the wire to be sent or called back.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To whom it may concern : I am not sure if you are the correct department to reach ; however, if you are, I would greatly appreciate your assistance. 

On XX/XX/year>, I went to Bank of America banking center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX to withdrawal {$1400.00} in various increments and dollar amounts including a {$1.00} bills strap worth of {$100.00}. The teller counted the loose money in the machine but did not count the strap. I didn't think anything of it because I was under the impression there should be {$100.00} in that strap. So I went home and counted it next day to find out there was {$12.00} missing from that strap which essentially I was actually given {$1300.00}. So I went back XX/XX/year>, to request the {$12.00} that was missing. The Bank Manager and the Teller who assisted me advised he balanced and that there was nothing that could be done but he could put in a claim and thats it. I get the teller balanced, but he still did not count the strap to ensure the money I requested of {$1400.00} was all there. Fast forward, I was unable to dispute this until a month later as I was leaving the country for the whole month. So on XX/XX/year>, and XX/XX/XXXX, and now XX/XX/year>, I have contacted Bank of America Customer Service and was advised the first XXXX times claims would be put in, and then today when speaking with the BOA rep, he said claims were never filed he just saw error codes/notes put in. At the end, he said nothing could be done and that I would have to go back to the bank center to dispute it. I have already did that and there was no resolution. It almost feels like they could do anything they want. Regardless if I am disputing {$12.00} or thousands of dollars, I feel my situation is just as important. Have I been a person that had millions of dollars and this situation happened to me and I told them I would close my account, they would make it right instantly. Let that perspective sink in. I could be any person right now to just give up and let Bank of America keep the money that is not theirs and I am sure they have kept others, but I feel this is unjust and not right ; therefore, I am requesting further assistance in this matter. Should you have any questions or need additional information, please reach out via email at XXXX or XXXX.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (CA)

XXXXXXXX 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 XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Inaccurate Information and Filing of FCRA Violation File Number : XXXX Dear Innovis, I am writing to formally dispute inaccurate information reported on my credit file associated with my Social Security Number . Upon my request for a copy of my credit report, I was provided with a report that contains information under a different name, which is not associated with me. The report file number is XXXX. 
As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information in my credit file. The inaccurate reporting under a different name violates these provisions, and I request immediate removal of the erroneous information. 
Please conduct an investigation into this matter and provide me with written confirmation of the steps taken to correct the report. Additionally, I request that this incident be filed as a violation of the FCRA due to the inaccurate data linked to my Social Security Number.

I expect to receive a resolution within the XXXX period allowed by law, and I kindly request confirmation of the actions taken to rectify this issue. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX ] XXXX File Number : XXXX
Consumer complaint received 2024-09-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (PA)

Synchrony has stopped me from accessing my high yield savings account. I deposited {$2500.00} into the account on XX/XX/XXXX and have not been able to access it since then. I contacted them on XX/XX/XXXX, which they directed me to do. They did not offer any guidance on how to resolve the matter after giving them all of the information they requested. The only thing said resembling a resolution was that my account was under review. They would not provide a timeline for how long the review would take. I have called on XX/XX/XXXX since then, and they still refuse to offer guidance or provide a timeframe.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MA)

Since this is my second request, I will also XXXX  provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (FL)

I am writing to dispute the accuracy of a collection account listed on my credit report under the account # [ XXXX ]. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-08-28
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. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

XXXX attempted to withdraw {$340.00} from credit card unknow to me. I talked to three people at Bank of America and said they have denied me access to my bank accounts to make online bill payments. They said it would take three to five days to reset my profile. 
I said this is impossible. I ask them to cancel my credit card and reissue another credit card. They said once again three to 5 days How can a bank of such prestige and electronic means deny me access to my funds to make online bill payment due to an error on some card, which is not mine. 
I told them I wanted my account fixed as of midnight tonight and they said that was impossible They are denying me access to my own money to make online bill payments. 

This is against banking regulations to withhold access to my own personal finances. 
I explained trhat I scheduled payment to come out XXXX and so forth XXXX of them is my student loan account. 

This bank needs to be fined and all my late charges paid for denying me access to make payments within the three to 5 days which they indicate will take to reset my profile.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax, has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2024-09-24
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: PENTAGON FEDERAL CREDIT UNION (OH)

Date XX/XX/year> Institution Information PENTAGON FCU XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This appeared on my credit report but I did not contact them for credit nor have I used them for credit.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were charged off on the following date : XX/XX/year>. Since then the date of last activity has been inconsistently updated. There should be no updated activity after a chargeoff is stated. It is my understanding that once an account is charged off there is no activity to be reported after. There can not me multiple months of charge offs. I am requesting that this account be updated or deleted from my report. I would say that qualifies as " poisoning '' a credit report, which is not a legal practice and could mean a potential violation of the FCRA.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MA)

Since this is my second request, I will also XXXX provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for dispute : As a victim of identity theft, this account is not mine. I never received any communication or welcome letter from this creditor. I am entitled to verification proof of this account, which I have not received. 

This account is fraudulent and not associated with me. I have filed a police report regarding identity theft and request immediate investigation and removal of this item from my credit report. 

I am aware that you are required by law to notify me of the results of your investigation within 15 days and provide me with an updated copy of my credit report
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-15
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. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MO)

On XX/XX/year> Ally reported to each credit bureau an updated payment history. And as of today on XX/XX/year> Ally has closed the account. When I last filled on the creditor back in XXXX, why wasnt the payment history updated then? The information theyre reporting is inaccurate. It goes against consumer right laws and Acts.
Consumer complaint received 2024-08-28
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)

XXXX XXXX XXXX XXXX XXXX XXXX I hereby dispute the validity of the alleged debt listed above listed above Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, EXPERIAN, XXXX, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated, You must show proof that you legally own this alleged debt and that it is accurate and complete thank you, XXXX XXXX
Consumer complaint received 2024-09-24
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. (MD)

I am writing to follow up on my previous letter sent on XX/XX/XXXX, regarding unauthorized hard inquiries on my credit report. While XXXX has responded and removed the inquiries, I have yet to receive a response from your office, and the inquiries have not been removed from the other reporting agencies. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit reporting agencies are required to have permissible purpose for accessing consumer reports, which was not the case in my situation. I kindly request immediate action to delete these unauthorized inquiries. I also have an affidavit confirming the incident for your reference. This situation is stopping me from moving on to buy a house. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX