davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

After being a model customer for more than 10 years - never missed a payment, they are shutting off my card due to a internal policy that they will not produce any documentation to prove exists. 
I had to change the name of my company, but there was no other change to the entity at all. The ownership, EIN, address, etc. all remained the exact same. They mailed a notice to the WRONG address to ask for account information updates. By the time I received the communication, I only had 4 business days left to get the name changed in their system before they were shutting down the card for this technicality. So I began the process to have the name changed, which after being given bad and conflicting advice from 2 different Bank of America departments, I was still willing to go through their process to change the name. Only to be told a day later by another department that it doesn't matter, there is no way to change the name on the account and keep it open, it will be closed. SO they would be closing the 10+ year account, that has NO problems on it, in 2 business days. Which is putting a hardship on my company. I requested documentation on this policy and was told by XXXX of Bank of America that they do not provide anything in writing, they only provide verbal communication. 
I believe they have lender liability issues in the manner they conducted themselves with this manner for he following reasons : 1. they will not produce documentation proving a policy exists for closing this account for this reason. 
2. they did not give proper notice or provide ample time to remedy the issue. They mailed their notice to the WRONG address. 
XXXX they gave the borrower wrong and conflicting advice through the interaction I took good notes and was informed all the phone conversations I had were recorded, so there should be ample evidence to prove my statements above.
Consumer complaint received 2023-08-20
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: EQUIFAX, INC. (GA)

by law, under the FDCPA, a credit reporting agency must make sure, without a shadow of a doubt, that ALL information being reported is accurate and precise so that the consumer is being protected and provided for. my information is private and is NOT TO BE SHARED unless i consent to it!! In order for any consumer reporting agency or 3rd party debt collector to use ANY of my private information, they must have several things on file ( 1 ) MY WRITTEN CONSENT SIGNED AND DATED ( 2 ) AN SSA XXXX FORM ( 3 ) THE CONSENT FOR RELEASE OF INFORMATION FORM and the DEED OF ASSIGNMENT, also the FULL ACCOUNTING FROM BEGINNING TO END OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE AND NOT SOME STATEMENTS OF ALL VITAL INFO. IDENTITY THEFT HAS BEEN COMMITTED AND FALSE REPORTING WITH MULTIPLE LAWFUL VIOLATIONS. just a few for complete clarity ; 15 usc 6801, 6802 and 6803. probably the most important statement in this correspondence is MY WRITTEN CONSENT and 15 usc 1681 ( c ) -2, IDENTITY THEFT. Everything pertaining to credit worthiness is centered around the Social Security Number, so in conclusion the Social Security Administration governs my information according to the 2 items i specified above and Congress governs ALL LAW
Consumer complaint received 2016-03-19
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Midwest Recovery Systems (NV)

have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with Transunion. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am filing a complaint against Experian for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. On two separate occasions, I mailed dispute letters to Experian via USPS certified mail, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 
The first letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), and I received a response dated XX/XX/year>. 
The second letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), and I received a response dated XX/XX/year>. 
In both responses, Experian stated : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Experian has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-06
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: EQUIFAX, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (WA)

I went to make a payment on the XXXX of XXXX and I found out that they would not accept my payment because my house is in foreclosure. I never received any notice of foreclosure and now they are telling me I did not make my payment in XXXX of XXXX. Why did it take 10 months? I also texted them in XX/XX/XXXX when I found out my payment did not go through. I texted them to ask why they did not take the payment out and they responded to me by text and they said that I only agreed to XXXX payment. But I asked them to take out XXXX, XXXX and XXXX of XXXX. They said that I only agreed to XX/XX/XXXX but they took XX/XX/XXXX out. When I asked and they would not give me the correct answer. I called again and they repeated that i only agreed on XXXX. But why did they take XXXX out? 

My Mortgage payment has changed three different times in the past year. I did not know until I had called and made a payment that it had changed.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I closed my checking account with XXXXXXXX XXXX and I received a check amount XXXX than I deposit it to my Bank of America checking account than bank accepted after one week Bank of America email me say image is not showing will than take the money back and I shredded the check XXXXXXXX XXXX say Im not responsible for and Bank of America no response Thanks
Consumer complaint received 2023-09-07
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. (FL)

I am writing to file a formal complaint against [ Credit Reporting Agency Name ] for multiple violations of the Code of Federal Regulations ( CFR ) and the Fair Credit Reporting Act ( FCRA ), specifically regarding the reporting of charged-off accounts and late payments on my credit report. I am requesting enforcement of the CFPB 's authority under 15 U.S. Code 6805 to rectify these violations.

Details of the Complaint : 1. Reporting of Charged-Off Accounts : Experian, XXXX, XXXX has continued to report charged-off accounts on my credit report. According to the IRS, charged-off accounts are considered income, and they should not be reported as outstanding debts on a consumer 's credit report. This practice is in direct violation of 12 CFR 1016.1, which requires financial institutions to provide consumers with the option to opt out of certain information sharing practices.

2. Reporting of Late Payments : I have discovered that Experian, XXXX, XXXX has reported late payments on my credit report. This is a clear violation of 12 CFR 1016.4, which mandates that financial institutions must provide consumers with a clear and conspicuous notice regarding their right to opt out of certain information sharing practices. The FCRA also requires credit reporting agencies to ensure the accuracy of the information they report. The reporting of late payments when no such late payments occurred is a significant breach of this requirement. 
XXXX. Failure to Comply with Opt-Out Requests : Despite my efforts to dispute and request the removal of these inaccuracies with [ Credit Reporting Agency Name ], they have failed to comply with my requests, as mandated by 12 CFR 1016.7.

I kindly request that the CFPB investigates these violations and exercises its enforcement authority under 15 U.S. Code 6805 to compel Experian, XXXX, XXXX to delete these negative adverse accounts from my credit profile. These violations have had a detrimental impact on my creditworthiness and financial well-being. 
Enclosed with this letter are copies of my credit reports reflecting the inaccurate information, as well as any related documentation that supports my complaint. I have made every effort to resolve these issues with Experian, XXXX, XXXX directly, but my attempts have been unsuccessful. 
I appreciate your prompt attention to this matter and request your assistance in ensuring that [ Credit Reporting Agency Name ] rectifies these violations and upholds its obligations under the law.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

It started when my phone was stolen and hacked on XX/XX/2023. The perpetrator hacked my phone and my digital wallet was compromised along with my online banking accounts. He changed all the security information on my accounts including emails, passwords, and phone numbers used to verify my identity. I was unable to receive notification about suspicious activity because I was also locked out of my email accounts. So I was unaware of the unauthorized transactions. It wasnt until XXXX XXXX that my fianc received a notification that our joint savings account had money transferred out. Thats what prompted me to alert my other financial institutions but because it was over the XXXX XXXX holiday I wasnt able to physically go to a branch to verify my identity since over the phone it was impossible. I filed a police report right away and contacted the credit bureaus as well as filing with the FTC for identity theft. 

Through the help of XXXX XXXX  I was able to regain access to my email account and as I was researching the transaction notifications I found that the perpetrator rented a car using my XXXX  account and was due to return the car on XXXX XXXX, XXXX. I alerted the police and they were able to arrest him and charged with XXXX XXXX  counts. 

As I was following up with the banks and cooperated with their investigations and spoke to their security teams. 

They asked me details about what happened and how my account were compromised. 

I let them know that I had the physical cards but my digital wallet and bank applications were hacked and the perpetrator was able to make transfers, open new accounts, apply for new credit cards and debit cards as well applying for loans all from the online banking apps on my phone. 

After some time roughly 10 days, XXXX came back with a decision that no fraud was found. I requested documentation and appealed the decision. I am waiting for the documentation. 

Wells Fargo verbally notified me that some of the claims on my checking account had been denied while other claims on my credit card had been validated and considered fraud. I have credited transactions to my credit card but not my checking. Same institution same dates of activity yet different outcomes from different divisions. 

This was 100 % unauthorized and fraudulent activity in which a perpetrator was arrested  and charged. How is it that these banks can keep my money? Where did they find proof that this was not fraud? Did they use security footage? Did they verify ID when the transactions were made? Did they ask for signatures on receipts? If the investigation team thoroughly checked they would know it was not me. Please help.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (PA)

Non eligible telephone number, banker stated that they file claim to get my number eligible so that I can order a new bank card. They told me on several different occasions all different answers on days it would take for them fix issue going on. So Everytime I wait period, then call see if I can order my atm they won't do it. Keep making up excuses reasons why they can't help me .... 

I would like for my atm bank card to be over nighted to my address.
Consumer complaint received 2024-08-06
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. (AR)

I am writing to formally dispute the fraudulent account reported by XXXX XXXX with account number # XXXX on my credit reports. This account is entirely fraudulent, and I have no knowledge of its origin. I demand the immediate removal of this account from all credit reporting agencies and request a thorough investigation into this matter. 

Issues Identified 1. Fraudulent Account : The XXXX XXXX account appearing on my credit reports is not authorized by me, and I have never had any dealings with this entity. The account is fraudulent and should not be associated with my credit profile. 
2. Violation of Privacy and Potential Fraud : The presence of this account suggests a breach of my personal information and potential identity theft. This unauthorized account is a violation of my privacy and potentially involves fraudulent activity. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The presence of a fraudulent account violates this requirement. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 
3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified. 
4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies. 
6. Fair Debt Collection Practices Act ( FDCPA ) : Prohibits debt collectors from using unfair, deceptive, or abusive practices in the collection of debts, which includes reporting fraudulent debts to credit bureaus.
Consumer complaint received 2024-11-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pharus Funding LLC (AZ)

This was a debt that was settled through XXXX and associates from XXXX for the amount of {$1100.00}. Years later my wife and I unknowingly or ( ignorantly as we didn't know what we were signing ) signed a document from a law office. Next thing, they garnish my wife 's wages in XXXX for almost {$700.00} for this outstanding debt that was supposed to be settled in XXXX. So, the wages were garnished, and no communication was made after. This was a XXXX XXXX XXXX debt that should have been closed. Now in XXXX, a company called pharus funding llc is harassing us over the same account threating to garnish wages again!
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

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 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXXXXXXXXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : 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 an 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 or 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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.