davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2024, I received a check from Bank of America that was from the closure of my prepaid Bank of America XXXX  card account issued from XXXX XXXX XXXX XXXX. Upon receiving this check, I went to a local Bank of America branch to cash the check which was also issued from Bank of America. I was told by the bank representative that, since I was NOT a member of the bank, they could attempt to cash the check however, there are limits to the amount allowed to cash for non members and, I would not know what the amount would be until after the check gets ran thru a machine which will spray ink all over the check and could ( would ) prevent me from cashing the check somewhere else if they weren't able to cash it at that time.

I asked if there was any other option and the bank teller informed me that I could open an account, become a member then I could cash the check without the limit or possibility of not being able to cash it.

I agreed to open the account. However, I was then told that while submitting my application to open a checking account, the system used at the branch was returning a " alert '' on my profile that would need to be cleared in order for me to open the account.

The bank representative and I called the fraud department which was the department listed on this alert to contact. The phone number was ( XXXX ) XXXX. 

We spoke to several different agents a total of approximately 10 times and were informed that the alerts that were on my account were cleared. They were due to the monthly maintenance fee for a checking account I had opened 4 years prior and never used the account so, Bank of America closed the account but charged me the monthly maintenece fee even tho I had never used the account.

The agent in the fraud department cleared this alert stating I would now be able to open an account without any issues and cash my check. However, the system wasn't clearing the alert properly for the local branch and their computer system to continue with opening of the account.

The bank tellers would not assist me any futher for no reason other than " there is an alert that needs to be cleared ''.

Again, the fraud department has cleared all alerts and they said I AM APPROVED TO OPEN A NEW ACCOUNT!

After contacting several managers of Bank of America and attempts in multiple ways to satisfy this matter ( whatever it is ) I was not given any options. The employees seemed careless and just wanted to move on to the next customer without helping me or resolving the problem.

I want to be able to take my BANK OF AMERICA CHECK into a local BANK OF AMERICA and cash it!

I also want to be able to open an account especially when I am not able to because of an alert that HAS BEEN CLEARED!

I feel like I am being discriminated against or treated with unfair and unethical practices.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

My information may have been impacted by the XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Consumer complaint received 2024-09-19
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. (OR)

I've repeatedly tried to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but it remains unaddressed. This unauthorized information, linked to my name due to identity theft, has severely affected my life, causing considerable distress.
Consumer complaint received 2024-09-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (NJ)

MIDLAND FUNDING LLC filed a suit in XXXX. I objected and disputed their complaint with XXXX XXXX XXXX. I told them to cease and desist with communication but they persist. The court gave a judgment where I was not given due process, which is a void judgment. Then I recieved a letter dated XX/XX/XXXX from XXXX XXXX. XXXX attorney with XXXX, XXXX & XXXX, XXXX Attorneys at law saying I must answer their questions. If I do not comply it may result in my arrest and incarceration. I mailed my objection and a copy of the answer to the suit and still no contract between myself and MIDLAND FUNDING LLC. I received another letter dated XX/XX/XXXX another void judgement.
Consumer complaint received 2024-08-09
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

I received a settlement letter from TD Bank for a Raymour Flanigan account they finance on XX/XX/2024, and have been trying to pay the settlement amount of {$6000.00}. 

Unfortunately, for two days I have been unable to access the online payment system because they have locked me out. 
Additionally, the phone number provided ( XXXX XXXX ) in the letter connects to a XXXX XXXX promotion, with no option to pay the settlement. 
The letter also provides an address for sending a wire transfer or check, but it does not specify whether the check should be made payable to TD Bank or Raymour Flanigan. 

I have called several times to resolve this matter, but the operators refuse to discuss the issue with me because they are on a recorded line. Despite the fact that they record the conversation, they refuse to be recorded themselves. This has left me wondering what they have to hide.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

As per my previous complaint the account is still open and now has had XXXX has been transferred through the account after I told them that this account is fraudulent. I've tried to clear it up with the bank this is the second time that this has happened while being in the check systems and also have a freeze on all my credit reports but this account still has managed to be opened still is opened and they are refusing to close it when I last spoke with Bank of America they assured me that the account would have been closed which one I called in the account is still opened this account I never authorized to have opened told the bank this even told them before they started transferring the money and they still allow the suspicious activity to happen now I know I'm not no genius in the banking industry but I know that there is regulations that each Bank should be following and if these regulations are in place then how do people like me become victims from this bank that's been around for all these years if this is something that Bank of America has been doing which they have been accused of opening accounts fraudulent accounts to get the kick back perks I want this account closed immediately I'm in the process of talking to an attorney and I'm going to sue Bank of America for emotional distress this is annoying and it's a waste of time if the people from Bank of America are not going to follow through with their part in this mess I'm not filling out any kind of form or paper to be mailed back to Bank of America and the reason why is if they are this irresponsible with my information how do you think I'm going to feel if I put all of my information on a piece of paper and send it to them it's never going to happen I want the account closed now this is the last time that I will ask for this account to be closed and then I will take matters into my own hand and hire an attorney to have this account closed. I will also see for Bank of America to pay all my attorney 's fees as well. Close the account. I've also shared my story with local and international news stations so they are also aware of how Bank of America does business.
Consumer complaint received 2024-11-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

My checking account number ending in XXXX was closed by Wells Fargo on XX/XX/year>. The account was closed due to erroneous mishandling, proper direction and instructions from Well Fargo Bank. I have since filed several claims to have this issue corrected but Well Fargo refuses to comply with my requests. I have pointed to many facts about an email that was left out of the fact findings done by Wells Fargo and its employees. It seems many key items have been overlooked and unaddressed my the Well Fargo team itself, XXXX of which includes the balance that was on the account at the time of it being closed. After the account was closed, I asked Wells Fargo associates when to expect to receive the balance on the account, and I was told I would receive a check in XXXX business days. Because of the claim I filed and investigation immediately after the account closer, I was then told by a Wells Fargo associate handling my case that it would be XXXX business days. 
Needles to say, it is XX/XX/XXXX and I have yet to receive a check that represents the balance that was on account prior to closer. I have questioned Wells Fargo associates on many occasion during the account investigation process about the funds on the account but there has been no resolution. Its has been XXXX business days, and 80 days since my account has closed. I am very concerned about the banking practices that are being mismanaged at Well Fargo and the negligence that is being displayed by these actions, 12 CFR Part 337 Unsafe and Unsound Banking Practices points to exactly these actions and are illegal and unlawful. I am also seeking to assess penalties to Wells Fargo for negligence to preform its fiduciary responsibilities when it has been presented to them on several occasions in the situation. 
In conclusion, I want to make Wells Fargo Bank fully aware that Under the Federal Reserve Act Section 29 which states there are 3 tiers that Wells Fargo Bank will be assessed for violations under the provisions of this act. Under the First Tier any member bank, and any institution affiliated party with respect to such member bank who violates any provision of section 22, 23A, or 23B or any regulation issued pursuant thereto, shall forfeit and pay civil penalty of not more than {$5000.00} of each day during which such violation continues. The fiduciary responsibility of Wells Fargo in this matter can not be ignored and will not be ignored.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

VALIDATION AND CEASE AND DESIST PORTFOLIO RECOVERY XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Dear, PORTFOLIO RECOVERY I recently noticed a debt collection from you on my credit report. I am writing to verify that you have reported on the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2.

Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My student loans with XXXX have been paid in full. I spoke with XXXX on XX/XX/ and and XXXX XXXX XXXX  XXXX said they notified XXXX, Experian and XXXX that these loans were paid in full on XX/XX/. XXXX stated they sent me a paid in full letter on XXXX XXXX XXXX  which I NEVER RECEVIED. I had spoke to XXXX, XXXX and Experian all of them said that XXXX NEVER CONTACTED THEM STATING MY LOANS WERE PAID IN FULL. ATTACHED YOU WILL SEE WHAT XXXX SENT TO ME BY EMAIL. THEN I WAS TOLD ANOTHER PAID IN FULL LETTER WOULD BE SENT TO ME.
Consumer complaint received 2024-10-17
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. (FL)

1mmediate removal of the charge-off status and all related delinquency marks ( 30, 60, 90, 120, 150 days past due ) from my credit report, as this information is inaccurate and disputed. 

Verification and correction of the account balance, ensuring that it accurately reflects any legitimate payments made or amounts owed. 

Investigate the previous dispute and reinsertion of incorrect information, ensuring that no further reporting violations occur. 

Notify all credit bureaus ( XXXX, Equifax, and XXXX ) of the corrected account status and provide written confirmation of the investigation and results.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

IC System- {$250.00} - received several calls, texts, and emails at all hours of the day about this debt that I am unaware of - opened XXXX / reported XXXX XXXX XXXX XXXX - {$300.00} - received several calls, texts, and emails at all hours of the day about this debt received during the pandemic when everything was closed - opened XXXX / reported XXXX XXXX XXXX XXXX XXXX- {$1000.00} - received several letters, calls, texts, and emails at all hours of the day about this debt that I am unaware of - opened XXXX / reported XXXX XXXX XXXX XXXX - {$470.00} - received several calls, texts, and emails at all hours of the day about this debt that I am unaware of - opened XXXX / reported XXXX
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westcreek Financial (GA)

VALIDATION Dear, West Creek Financial I recently noticed a debt collection from you on my credit report. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2.

Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
Consumer complaint received 2024-09-19
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. (FL)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2023-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ACCOUNTS which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$200.00}.