davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My personal XXXX and XXXX with Bank of America were closed. XXXX and XXXX Also my business XXXX that is in my name XXXX I have always handled my credit cards in a proper manner and always paid my bills on time, in fact I just made a payment on both accounts recently. There is absolutely no legal justification for closing my credit card accounts. Obviously, they are closing my accounts due to my advanced age and I consider this elderly abuse. Additionally, at least the card ending in XXXX has disappeared from my online login BofA profile XXXX  so I can not even see what is owed on it or what I should pay now.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

Everything on my credit report for the last 5 years is identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Discover bank XXXX XXXX XXXX XXXX etc I filed a ftc report for identity theft report number # XXXX Police report filed with the XXXX Report number XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I received a text notification alert from XXXX bank saying that someone reported bankruptcy on my XXXX Card I went on my XXXX Card app immediately and logged on only to find out I was XXXX from using the app. I was told by the supervisor XXXX from XXXX Card that my account was in fact charged off and closed due to a bankruptcy - I explained to the supervisor XXXX that this is a big mistake because I did not claim bankruptcy. We verified the account number to make sure and it was in fact my account number that was being reported incorrectly and closed. 
My account was falsely closed and falsely reported on all three credit bureaus. My mom and I have the same name and reside at the same address, however we both have different social security numbers and dates of birth, I dont even know how my credit card information was obtained for this to even happen. I have no linked credit cards with my mom. My card was falsely closed and falsely being reported and now my credit is showing a bankruptcy that is not mine. I owe money on the card and I cant even long onto the app to pay it because Im restricted and the account is closed bankrupt/closed/charge off. 

The supervisor XXXX told me she will put this into investigation but I need to write a complaint for the investigation department to explain my situation in more detail to help with the process of restoring my card and removing this information and to attach a copy of my drivers license. 

My card needs to be reinstated and this bankruptcy needs to be resolved because its not mine, Please assist as this is a HUGE mistake
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

Subject : Dispute Regarding Inconsistent Reporting of Charge-Off on Credit Reports Dear CFPB, I am writing to formally dispute the reporting of a charge-off by XXXX on my credit report . Upon reviewing my credit reports from all three major credit bureausXXXX Equifax, and XXXX noticed a significant inconsistency in the information being reported. 

On my XXXX report, the charge-off from XXXX was deleted and no longer appears on my record. However, both Equifax and XXXX have discrepancies in their reporting. Equifax and XXXX do not report this charge-off that was supposed the be deleted at all, which raises concerns about the accuracy and inconsistency of the information being provided.

The inconsistency in reporting by the credit bureaus violates the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies must maintain the accuracy of the information reported. This situation demonstrates that the information provided by the credit bureaus is not accurate or consistent across all platforms. 

Since all three reports stem from the same creditor and relate to furnisher, it is unreasonable for such conflicting information to exist. I believe this inconsistency is damaging to my credit profile and does not reflect accurate reporting. Therefore, I am requesting that the inaccurate charge-off information be removed from all credit reporting agencies immediately, as it is either misrepresented or inconsistently applied. 

Please investigate this matter and take the necessary steps to ensure that my credit reports reflect accurate and consistent information in compliance with the FCRA. I look forward to a resolution and prompt correction of this issue. 

Thank you for your attention to this matter. If you require any additional documentation or information, please do not hesitate to contact me. 
ps : i will attach the evidence Sincerely, XXXX XXXX
Consumer complaint received 2024-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I submitted a letter to validate the debt owed as it was not mine, it was illegally placed on my credit and the agency wasnt able to send me any documentation validating I owned the debt, no contracts, promissory notes, no documents. 
One collection agency found the debt to be not valid or verified and removed it from My credit
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

I am writing to formally dispute the accuracy of a collection account that appears on my credit report. The account in question is I.C. SYSTEM, INC, account number XXXX

Upon reviewing my credit report, I noticed several inaccuracies within this collection account. Due to these errors, I believe this collection account is not a true reflection of my credit history and should be removed. 

I kindly request that you investigate this matter and remove the inaccurate collection account from my credit report. Enclosed with this letter, you will find copies of supporting documents that highlight the inaccuracies and provide evidence for my claim. These documents include [ list any documents you are enclosing, such as payment records, correspondence with the collection agency, etc. ]. 

I appreciate your prompt attention to this matter and look forward to a resolution. Please notify me in writing once the investigation is complete and the necessary corrections have been made.
Consumer complaint received 2024-09-05
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: FIFTH THIRD FINANCIAL CORPORATION (NY)

This company 5th 3rd bank ruined my credit. I made an immediate payment on a XXXX charge from my bank payment information entered by them 8 months before. The payment was returned because the account number was wrong. I got no letter of returned payment in the mail. No letter of a late payment in the mail after due date. No letter of auto payment ceased because letter was only available online which I had no access to. I did a complaint with better business bureau but it was not resolved. By the time I found out about a late payment it was past 30 days and reported to credit bureau. 5th 3rd bank was aware and told me I could not access my account on line as I had no computer only a XXXX app. They mailed a form to be completed by my bank. They said the account number was wrong. I am a senior and this bank has repeatedly not sent proper notification or mailed documents to me. They ruined my perfect credit because they didnt properly notify me of any late payment.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MA)

I opened my credit report in XX/XX/year> and found many information that is not mine I send the information with the FTC to the creditors they stated in their investigation that it was accurate I called and they said they will see what their reinvestigation launched this time no response waited and waited and then things gone worse accounts were showing up that they were not mine with creditors instead of the situation getting better it got worst XXXX XXXX XXXX XXXX XXXX also I filed a police report again this time in XXXX and I did send them the may one which for them was not acceptable I AM REQUESTING HELP!!! never get thorugh with them and they never send me anything
Consumer complaint received 2024-09-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NC)

I have called serval times to request access to my old account so they could move my funds out of the old account into my new account and one of the last step I had to do was to create a secondly email account after doing so I called Cash App back to request once again to have my funds moved into my new account. However I called on XX/XX/year> at XXXX and after I answered all of the security questions correctly. I was told that for security reasons they could not give me access to my old account and that they could not provide me with any more information. I asked to then speak with his supervisor and he hung the phone up on me.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

I filed a complaint with CFPB on the XX/XX/2023, And I was given a monetary relief of {$240.00}. It never got adjusted in my Paypal account. Upon contacting synchrony bank and Paypal, they said on th2 XX/XX/2023 the claim was denied? and no funds were adjusted. I am attaching the letter from CFPB and the new letter as well. 

I tried to contact the senior specialist who handled my case XXXX XXXX. I left several voice mails but she never responded to me.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (TX)

During the last week of XXXX, XXXX, I was contacted by hackers or phishers pretending to be from AmEx and XXXX XXXX, claiming that there had been suspicious activities on those accounts. Then they transferred me supposedly to your agency, and that hacker suggested that I close XXXX  of my credit cards and enter into a repayment plan that would greatly reduce the total I owe and charge AmEx and XXXX XXXX a total of {$14000.00} to pay for the service. I refused, and the hackers became aggressive and said they were going to close my accounts anyway. 

They did close my AmEx and XXXX XXXX accounts. I contacted both companies immediately upon realizing what had happened. XXXX XXXX immediately reinstated my account. 

American Express has not and I have not heard one word from them since reporting what happened. I have sent them voice mail transcript from a message the hacker left on XX/XX/year>. My account was current and in good standing at the time this happened. I have been an AmEx account holder for XXXX  years and am outraged at their treatment of the situation.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/year>, I called and spoke with a banker from Wells Fargo about the ATM FEES increasing from {$2.00} to {$3.00} on my first Transaction in XX/XX/year>. XXXX could not locate anywhere in Wells Fargo Disclosure that was an effectived change with the NON- Wells Fargo ATM Fees. Of course I did record the entire conversation with the banker. 

I Noticed Wells Fargo has continue to offered three ( 3 ) features to accountholders One ( 1 ) Stop Future Payments, Two ( 2 ) Stop Future Reacurrings, Three ( 3 ) Stop a Check. When I click upon my information, I previously put into place ( with Confirmination # 's ), I notice All I see is a negative amount of {$190.00} that is presently being disputed. Of course I did take a picture of the information before Wells Fargo Stop Payment Department decided to take my requested information from over a year down last month to justify the reason a check was paid, but should have been stopped. I have several friends that are customers with Wells Fargo, and I have seen their information is still showing for them to use Stop Payment Information presently or in the near future. Why has my requested information has not been visible for me to review?
Consumer complaint received 2023-08-22
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. (TX)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have a fraudulent account on my credit report, which I reported to CAPITAL ONE, yet CAPITAL ONE is not removing this fraudulent account. CAPITAL ONE has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet CAPITAL ONE has refused to do this. The following is the fraudulent account : CAPITAL ONE / XXXX.
Consumer complaint received 2024-09-10
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. (AZ)

On XX/XX/2024 I requested a detailed summary of the investigation conducted on my credit reports reporting inaccurate and fraudulent information. I have not received any detailed information on the process conducted to verify these accounts. The original auto loan account XXXX XXXX XXXX # XXXX has been deleted, however the collection account that stems from that loan still shows on my credit report as XXXX XXXX XXXX, XXXX # XXXX. After carefully reviewing my credit report I noticed that the account listed is inaccurate and does not belong to me. I did not authorize anyone to furnish this account. The open date, date last active, date of last payment are showing inconsistently between all three credit bureaus and furnish information that does not belong to me. The Fair Credit Reporting Act Section 1681c-1 states that a fraudulent account must be deleted after the consumer verifies their identity, also the Fair Credit Reporting Act Section 1681e ( b ) states that if information is inaccurate then it must be deleted. I am requesting a detailed summary of the investigation that was conducted once again. I have attached my credit report and as you can see nothing has been updated or deleted the account is still inaccurate and fraudulent. I have also attached an identity theft report from the FTC. I want this fraudulent account deleted immediately.
Consumer complaint received 2023-08-12
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)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX XXXX XXXX  : {$11000.00}.
Consumer complaint received 2024-10-06
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: EQUIFAX, INC. (MN)

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (MI)

I am writing to file a formal complaint against Discover Bank regarding a {$1000.00} XXXX transfer made from my savings account ending in XXXX. This issue has escalated due to the mishandling of my case, failure to provide accurate information, and refusal to refund my money despite clear evidence supporting my claim. 
On XX/XX/year>, I initiated a {$1000.00} XXXX transfer to XXXX XXXX at XXXX XXXX  using the recipients phone number. Soon after, I realized that the recipient had changed their number, and within 32 minutes, I contacted Discover customer service to suspend the transaction. At XXXX XXXX, I spoke with a Discover representative who confirmed that the money had not been claimed due to the incorrect phone number. The representative immediately canceled the transaction and assured me that a refund would be processed within two business days. 
After waiting a week without receiving the refund, I contacted Discover again on XX/XX/year>, and was informed that the first representative had provided incorrect information and no refund would be issued. The case was escalated to the Dispute Resolution Department, where I was told they would review the phone recording from my XX/XX/XXXX call. 
On XX/XX/year>, I was informed that my dispute had been rejected due to a lack of evidence. This decision is perplexing and frustrating because Discover holds the critical phone recording that supports my case. The fact that they failed to consider this evidence raises serious concerns about the integrity and transparency of the dispute process. Discover has handled this matter unfairly, and their refusal to address the situation based on the available evidence is unacceptable.
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MN)

We had a XXXX XXXX, credit card we used because we were offered XXXX for XXXX, and XXXX  % off.we used it for a purchase of an appliance.then me and my husband paid it off and then we closed it and how other purchases were fraudulently, made is beyond us? we have called sent this company a police report as well as the credit card and the collection agency, repeatedly reporting this as a negative on my bureau.i have always paid my bills on time never have I been late on anything.you are more then willing to look at my credit bureaus we have XXXX mortgages just please help me?
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/year> with a balance of {$3300.00} that appears related to the personal loan account opened at XXXX XXXX XXXX XXXX. This account have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned collections as reported. The aforementioned collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned collection 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 collection are the result of identity theft and fraud.