davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (CA)

I deposited three checks which turned out to be fraudulent. I notified the bank immediately when I found out about the fraud. The bank locked me out of my accounts and turned it over to their fraud department. However, it has been a month since the last bad check was deposited. Two of the three have been returned, one hasn't been. 
The bank deducted the amount of the bad checks when they let me close my savings account, however, they will not allow me to close my other checking account. That checking account was not compromised and the bank should be able to verify that. 
They have been putting me off since XX/XX/14 and are holding onto over {$10000.00} of my money and they will not let me have it. 
PLEASE HELP!
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (IL)

On XX/XX/XXXX, Frontline Asset Strategies , LLC reported a fraudulent XXXX account that I reported to XXXX on XX/XX/XXXX. I contacted XXXX who advised me to put in a new fraud form and mail also the FTC Identity Theft report, which I did on XX/XX/XXXX. I havent received any confirmation in regard to this fraudulent account since then. Frontline Asset Strategies , LLC was notified also by mail, email and phone. I was not sent any notices from the collection agency before placing this on my credit reports as I talked to XXXX, from Frontline Asset Strategies. who stated mail was sent to the address he has on file before reporting this account to the credit bureaus, which was a fraud address and which XXXX was aware of yet Frontline Asset Strategies continues to mail my personal information to the fraudsters. My purchase of a new home is set for closing tomorrow, XX/XX/XXXX, and this caused me to risk {$15000.00} of earnest money. If this account is not removed by XX/XX/XXXX, I will include Frontline Asset Strategies , LLC in a lawsuit to recover the earnest money I will lose due to this fraudulent account they reported and never properly notified me of this before reporting it to credit bureaus, even though this fraud account was reported to XXXX previously on XX/XX/XXXX. I have attached all copies of letters emailed and mailed to both Frontline Asset Strategies , LLC and XXXX.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: LEXISNEXIS (IL)

I filed a complaint about LEXISNEXIS on XXXXXXXX  for improper use of credit report. 
I was informed that LexisNexis couldn't verify my identity so my case was closed. 
I'm a victim of identity theft twice. 
I'm desperately trying to clear up anything on my credit report and stop my information from being shared. 
I have filled out a request to opt out for LexisNexis to stop sharing any of my information on XXXXXXXX  for identity theft in XXXX  I have included court documents showing I have been given factual innocence from a judge. ( from XXXX  ) for the identity theft I have filled out a second request to opt out for LEXISNEXIS to stop sharing my information on XXXX XXXXXXXX   for a robbery and identity theft that occurred this year on XXXXXXXX  I have provided a police report also. I also have included information showing that my information is being used fraudulently get loans. 
I need LEXISNEXIS TO STOP SHARING MY CREDIT INFORMATION IMMEDIATELY. thanks
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Ive contacted all three Credit Bureaus regarding XXXX XXXX XXXX XXXX Credit Card for {$15000.00}, now it been sold to XXXX and the Inquiry that are on my report is also not mine XXXX XXXX is giving me the most issue with this and will not help me nor remove this Fraudulent Account After sending them a New Police Report and a Letter showing this is Fraud what they are doing is Illegal. Before all of this I tried to have this fixed with the XXXX XXXX Directly letting them know & showing them Proof that I never opened this account Ive never had a Credit Card with with them what so ever nor had I lived at the address they had for me in Texas EVER, they also refused to give me copys of the Credit Application.
Consumer complaint received 2015-12-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (MA)

Re : Refund from closed Chase Account I paid for a flight on British Airways using my now expired British Airways Chase Visa card XX/XX/XXXX. The flight was scheduled for XX/XX/XXXX. I cancelled the card XX/XX/XXXX, and the account closed officially by XX/XX/XXXX. I understand from the Chase credit card customer service representative that the account was removed from their system on XXXX/XXXX/XXXX. 
In XX/XX/XXXX, I canceled the flight on British Airways, and requested a refund from the merchant. Per British Airways, my card was refunded on XXXX/XXXX/XXXX, for the amount : {$610.00}. I informed them that the card had been canceled, but they assured me that Chase would send me a check for the amount, even though the account was closed. Since XX/XX/XXXX, I have tried repeatedly to get my money issued to me by Chase, but have been told in writing that they do not have any record of the account since the account was closed. I have documentation from British Airways that they sent the funds back to Chase, but to date, I have not yet received this check from Chase. I am requesting that you please intervene on my behalf, since I have no other recourse at this time. 
Please let me know if you need any more information. 
Thank you XXXX XXXX
Consumer complaint received 2023-07-06
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: Diaz & Associates, Inc. (CA)

Diaz and Associates ( XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ). Trying to collect on a debt that is XXXX years old. 
For XXXX XXXX : XXXX XXXX XXXX  XXXX.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2015-06-26
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

There is a credit card that was issued by Household Bank. The debt went bad. I settled this debt with a debt collector years ago. I received a call from a collection company or attorney in Florida stating that they were going to have me arrested for Fraud. I spoke with an XXXX the first time. She would not give any information and started insulting me. I told her I was going to file a complaint with the FTC and my state 's attorney generals office. 

As I was filling out this form I called back to ask the address of the firm. They forwarded me to another person named XXXX. He was very argumentative and told me that they do not give out their address. After he continually asked me why I wanted to know their address, I finally told him it was so I could forward the information to my attorney generals office and the FTC. I said I do n't really need it but the form was requesting it. 

His response was that I apparently have everything I need. He then stated " also, do not contact this phone number again ''
Consumer complaint received 2023-07-14
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. (WV)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 States I have the right to privacy. 15 U.S.C 1681 section 602 A section 2 also states A Consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, 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. (OH)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian regarding a fraudulent XXXX collection account that has appeared on my credit report. The account in question is not mine, and I have attempted to dispute it directly with Experian, but I have not received a satisfactory response. 

I first became aware of the account when I received a notice from XXXX stating that I had an outstanding balance. This came as a complete surprise to me, as I have never had an account with XXXX or any other credit card company. I immediately contacted XXXX to explain the situation and to dispute the account. XXXX informed me that the account had been opened using my personal information, including my name, Social Security number, and address. 

I then contacted Experian to dispute the account, and provided them with documentation proving that the account was fraudulent. I have attempted to contact Experian multiple times to request that they investigate the matter further and remove the account from my report, but I have received no response. 

This fraudulent account is causing significant harm to my XXXX XXXX and my ability to access credit. I am now being denied credit and facing higher interest rates due to this false information on my credit report. I urge the CFPB to investigate this matter and to take appropriate action to ensure that Experian removes this fraudulent account from my credit report. 

Account details : XXXX XXXX  - XXXX - {$4200.00} - XX/XX/2022 Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-23
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PNC Bank N.A. (OK)

This has been an ongoing issue with PNC which was Compass Bank and which was BBVA at one time. I have reached out and asked for explanations as to why my report shows a 90+ day late payment when according to my financial institution no payments were reversed nor were they ever sent back. I have never received any correspondence from BBVA/Compass Bank/PNC on this matter and have been sending emails to an individual to fix this issue and still get no response. I have received notification from XXXX that my account was updated and they made it worse by falsely reporting dates. I have the bank statements showing payment done and from what I was told over the phone today that a payment was reversed and that is why it was 90 days, why was it reversed? Why will no one call and explain it to me or get me to someone who can explain what had happened and why will they not remove the repossession notice that BBVA has placed?
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2022, I received a notification from XXXX XXXX XXXX XXXX about an Account I opened with Bank of America. I was shocked and immediately called XXXX to let them know I did not opened an account with Bank of america. They directed me to contact Bank of America ( BOA ). 

The rest of my complaint is on a written statement uploaded.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Citizens bank had messed up and the calculations of things taken out and the proper time line which caused fee after fee the whole amount of {$1700.00} is all fees and the sent it into collections.The fees also ate {$800.00} before it started collecting more.
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc. (WI)

I have disputed with this company numerous times. this is my second time sending a complaint to cfpb, the first time they removed it. now they have reported on my credit AGAIN. they have my police report, son, drivers license. they refuse to remove.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX  I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-03-23
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)

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 : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had loaned a relative money for a home transaction in XXXX XXXX. He banks at Capitol One. Recently the house sold and he deposited the proceeds from the sale into a separate checking account at Capitol One which would be used to pay me back. First he called Capitol One to try to wire the funds to me and was told he could not do that, as the amount exceeded their individual-to-individual limit. He was initially told that the only way to get the funds to me was to mail/send me a cashiers check, as we live in different states. That was a poor idea to send a cashiers check of this magnitude through the mail or otherwise. Ultimately, after elevating the call 3 times, it was suggested that we establish a joint account ( he and I on the account ) at Capitol One and he could simply do an internal transfer from his personal account into the new joint account and then I could transfer the funds into my personal accounts. So, we did that. However, when I tried to transfer the funds the following day I learned the funds can not be accessed, even though they appear in the new joint account. I called the Capitol One phone number included in the notice and was told that there was nothing I could do to access the funds ; rather there was something that my relative had to do and only he could do, that would make the funds accessible and that I needed to tell my relative to call the bank to take the action they required. I contacted my relative, they contacted the bank late in the day. My relative was told that there is nothing he can do to make the funds accessible ; rather that both he and I must be on a phone call to the bank! As we live in different states, in different time zones and he has a very demanding job, this is difficult to accomplish. It should be illegal for Capitol One to hold these funds and make them inaccessible by the owners of the funds for no reason and keep telling us changing requirements of what we must do to access unencumbered money which belongs solely to us. I called Capitol One again to explain/complain about this and was told there was no one I could speak to at a higher level than the customer service manager I was talking to. 
Seriously, this should be illegal. I feel that the bank has stolen our funds! And also, as Capitol One has no branches in the two states we are located, neither of us can go in person to resolve this matter. Untenable situation!
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (IL)

the state of Michigan and EXPERIAN are reporting inaccurately a case that has been closed! account on experian : XXXX show closed but with a comment of collection in XXXX XXXX and with a balance of {$30.00}, XXXX but i have proof enclosed that this case has been closed and the balance is {$0.00}!! I have even sent letter to experian to dispute already the issue back in XXXX! they clearly do not do their part to protect and verify our information properly and violate my rights! I have NOT given them written permission to put anything on my consumer report. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. 15 USC 1681 a 4 speaks on a consumer right to privacy. 15 USC 1692 speaks further on a consumer right to individual Privacy. It is unlawful for the advertisement of any debt specially when it is INNACURATE they need to stop harassing me by reporting false information on my credit report. They have caused me severe harm and XXXX to me and my family!
Consumer complaint received 2023-03-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was asked for closing documents 2 hours after the settlement was to happen. The entire process, from application to closing was botched by Bank of America. We selected BofA because we are customers. We will no longer be customers after this experience. 
I would like to request that BofA complete a full audit of my loan and the path it took, including internal processing, phone calls between me and XXXX as well as emails. The gaps in the process will be apparent. Im wondering if there are RESPA violations. I did not receive the final CD until I asked for it, a day before closing. 
Thank you for reviewing.
Consumer complaint received 2023-07-14
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. (NV)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

My Great Lakes Federal Student Loan servicer has discharged a refund going to my old previous closed account to XXXX XXXX XXXX XXXX XXXX initiated on XX/XX/XXXX. Great Lakes has mentioned the funds was accepted but the account I had with XXXX has been closed since XXXX or XXXX. So far I have contacted 3 different XXXX bank numbers and one representative just informed me to open an another account but now the funds will be issued 1 to 2 business days back to My Great Lakes. I do not have any online banking, routing or account information to log in since the previous account been closed. And I have contacted Debt Management and the Offset Department at the bottom of GreatLakes letter and still haven't gotten through to a phone representative. MyGreatLakes did not verify with me my banking account information on file and I have made a payment in XXXX to GreatLakes from another account that I now currently have.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

i have reached out to all 3 CRA 's and they have violated me yet again. I have old address and information that does NOT belong on my report. I t is to be removed NOW or I will be filling out a fruad report with the FRCA, Inspector General of the US as well as a police report for identity theft. Any name that is NOT XXXX XXXX XXXX and any address that is NOT XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX MUST be removed from ALL of my reports.