davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A year now It been a huge concern about who ever hacking into our bank accounts I was told there was an investigation but money started coming out little at a time I called I did get refund but I do believe it's happening from the Inside I talk yo agents who work from home who have not updated my account after saying yhe did our card zip code didn't match our cards fradulant withdrawal from companies. And I question the manager that one of their worker demanded pretty much my signature and whe. She hot it she didn't file it she laid it on the side I call because it was odd. And when I close the security deposit box the lady said why she qanted your signature. Because I was going in a room with another agent. And me and my husband never use checks we only us the ATM. WHAT concer n s me is we are in yhe middle of a lawsuit and we have notice some one trying to access our accounts changing bank address yo get our info sending it back to old address. I'm really concern yhe XXXX who XXXX the XXXX XXXX XXXX  and XXXX  I didn't trust her she only needed my id and card to set up appointments to access my box. Too much in this year has been happening with our accounts and no one has answers then they try blame us. We know whT we spend and have a routine. They have caught a lot of things but im concern about our new accounts think there is fraud on the inside of the bank in XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. We been with them for years but these Agents working from home it's been a very serious concern
Consumer complaint received 2023-08-15
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)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX  XXXX # XXXX -- IDENTITY THEFT XXXX XXXX # XXXX ( DO : XX/XX/2022 ) -- IDENTITY THEFT XXXX XXXX # XXXX ( DO : XX/XX/2022 ) -- IDENTITY THEFT XXXX # XXXX ( DO : XX/XX/2022 ) -- IDENTITY THEFT XXXX # XXXX ( DO : XX/XX/2022 ) -- IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (PA)

I logged into my XXXX account with my name and social security number to find that my name had been changed to a name that is not mine. In addition to my name being incorrect, my social security number, my address, birth date, and occupation are all incorrect. Because of this, I decided to try to get my credit report from Experian. I used my name, social security number, and information to attempt to login. I was not able to log into my Experian account as it asked me security questions that did not have anything to do with myself. None of the jobs listed to choose were mine. I do not have a car loan. Because of that, I am not able to dispute the information through Experian. I decided to dispute this through the CFPB. Experian sent me my information and credit report through the mail. On the report, my name is incorrect, my social security number is incorrect, my address is incorrect, my phone number is incorrect, and my occupation is incorrect. The only account listed that belongs to me is a student loan. None of the credit cards listed belong to me. I currently have one credit card and that account is not listed. I have confirmed with the Social Security Administration that my social security number is mine and is not tied to anyone but me. XXXX reports my information correctly. I do not understand why my information is listed like this. I do not understand why XXXX could not fix it with my first dispute with the CFPB. I want my information to be listed correctly on Experian and on my credit report. I do not want someone else 's information and accounts affecting my credit.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AL)

They incorrectly charged overdraft fees on debit withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent multiple times. When trying to access or deposit larger amounts of money ( ex : {$5000.00} ) my money was frozen or denied access for deposit without me giving them the purpose of how I was using my own money, this example was approximately XXXX to XXXX of XXXX. On multiple occassions, the same debit/credit withdrawal was withdrawn duplicate times at once causing overdrafts in my accounts/and multiple overdraft fees that then caused negative account balance to be greater and bills that auto-deduct coming out caused more overdraft fees.
Consumer complaint received 2023-06-09
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: DISCOVER BANK (GA)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, DISCOVER BANK used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. DISCOVER BANK reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

Hello, I was a victim of a scam on XX/XX/XXXX by a fraudulent contractor company. I sent a deposit of {$240.00} via XXXX  and have not received services. I have contacted Chase bank and request that they conduct and investigation and provide a chargeback for this fraud. However, they have refused to do this.
Consumer complaint received 2023-06-09
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

The Department of Education sent me a email in XX/XX/2023 stating that my student loans were being discharged due to a borrower defense application. The loan service ( Dept of EDXXXX XXXX ) processed my loan discharge on XX/XX/2023. I contacted XXXX on XX/XX/2023, and they confirmed that the loan was discharged and that they sent letters to all 3 credit agencies ( Experian, XXXX and XXXX ) on XX/XX/2023 informing them of this discharge, so that they could remove it from my credit report. All three agencies failed to do so. After confirming that the loan was definitely discharged by XXXX on XX/XX/2023, I contacted all three agencies and disputed the debt online and provided them with the email letter from the department of education that stated the loan was discharged. All three agencies have responded back in a mater of days stating that they " investigated '' the matter and that the debt was " accurate '', when in fact, it is not and needs to be deleted from my credit report.
Consumer complaint received 2023-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

A company called Lvnv funding is trying to say I owe credit one bank money. I have never signed any agreements with lvnv and have no knowledge of them. They are reporting negative information illegally on my credit reports.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX XXXX, XXXX XXXX responded to a complaint via the CFPB portal stating that they have received my notice to cease and desist. Additionally, they have stated they received my debt validation letter. They have failed to validate the debt of { {$1500.00} }. According to case law, a consumer contract or credit card statement is not sufficient evidence for debt validation. 

The debt that is currently being reported to all three credit bureaus on my behalf is illegal and is in violation of my consumer rights pursuant to 18 U.S.C 894 for listing the debt on my credit report to negatively affect my future consumer transactions and swindling me into making payments in order to remove the account from my consumer report. Again, I do not give you funding permission to report collections to account for { {$1500.00} } for account number XXXX to any of the credit bureaus. 

A Cease and desist notice requires the company to refrain from all collection activities according to the privacy act of 1974. Failure of XXXX XXXX to remove the alleged debt from my consumer credit report within fifteen business days will and can result in legal action against them. Additionally, A Federal complaint will be made for illegal collection tactics.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that this account was erroneous. The Credit Bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is a debt collection company that is trying to collect a debt that is not owed to them. I have asked for the entire purchase agreement that validates this debt and they have refused to provide it to me. The company lists a balance due on my credit report, when in fact according to the FCRA laws, no balances should show on a collection account, nor should it be listed as an open and active account.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I WANT TO HAVE CASH BACK WITHOUT BUYING NOTHIN ELSE! 
BANK OFAMERICA WROTE : Bank of America logo You have deals expiring.

Dont let your cash back deals expire You have cash back dealsXXXX that are about to expire. We dont want you to miss out, so be sure to use them soon. 
Click to activate your deals : + Up to 20 % Expires XX/XX/2023 + 5 % Expires XX/XX/2023 + Up to 30 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 55 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 1 month Expires XX/XX/2023 + 7 Days Expires XX/XX/2023 + 15 % Expires XX/XX/2023 + {$15.00} Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 15 % Expires XX/XX/2023 + {$20.00} Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + {$12.00} Expires XX/XX/2023 + {$8.00} Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 5 % Expires XX/XX/2023 See more deals
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (MI)

On XX/XX/year> I made an online deposit of my paycheck. On XX/XX/year> those funds were then available to me in the morning, however when I checked my account later that day, my funds had been reversed and no longer available. When I called I was told my employer did not sign my paycheck. I was told to have them sign the check and then deposit the check again. I looked at my check and saw that it was clearly signed by my employer. On XX/XX/year> I walked into a branch in XXXX, Michigan to deposit my clearly signed paycheck. I spoke with an employee at the branch and they assured me that my check will go through on the next business day. They processed my deposit and I left. On XX/XX/year> my funds were available in the morning but however once again later on that day my funds had been reversed and no longer available. I call and spoke with a representative at around XXXX on XX/XX/year>. I was told that their legal department needed 7-10 days to process my check and resolve my issue which they claim again that the check was not signed. The branch employee on XX/XX/year> clearly saw that the check was indeed sign but the bank at the higher level was not accepting that. In the meantime my house payment was pulled. They told me they would still process that payment. On XX/XX/year> my house payment was returned to the bank due to XXXX. Also my car insurance payment was declined. I talked through an instant message on my banks website on XX/XX/year>. They told me they couldnt process my payment due to a signature issue. On XX/XX/year> I called again and was told now that the only way they will process my check is to have my employer cancel my check and re-issue it. I called the branch at XXXX, Michigan and spoke with the manager teller. She advised me that she will file a complaint on my behalf and still had my physical check. She said she would speak to the branch manager and they would handle the situation. I was told I would receive a call back. By XXXX on XX/XX/year> I still had not received a call back so I contacted the branch again. The manager answered and she then said that she is waiting for them to call her back higher up and that this process would still 7-10 business days. I have no incurred late fees on my house payment as well as a returned check fee and I have also incurred late fees on my auto insurance. No one at the bank it willing to help
Consumer complaint received 2023-07-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX XXXX Credit Report and Information Dispute Dear Sir/Madam , I am writing to file a formal dispute regarding inaccurate information on my credit report, as provided by Experian, XXXX, and XXXX XXXX I have previously attempted to resolve this matter directly with the credit bureau but have not received a satisfactory response. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to rectify this issue. 

I have identified the following inaccuracies on my credit report : such as incorrect account information, inaccurate payment history, or mistaken balance. 
I believe these errors have negatively impacted my credit score and overall creditworthiness. It is crucial to address these inaccuracies promptly to ensure fair and accurate reporting. 
I kindly request that the Consumer Financial Protection Bureau initiate an investigation into these matters and take the necessary steps to correct the inaccuracies. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S 1681 they are required by federal law to verify through the physical verification of the original signed consumer contract, I have not received any physical form of proof. I also understand that you have the authority to enforce compliance and ensure that the credit reporting agencies maintain accurate and fair reporting. 

I also request that you inform me of the progress and outcome of this investigation. Additionally, I would appreciate any guidance or assistance you can provide throughout this process. 

I am also informed that there was a major breach by one of this agency employees who sent personal information and details to a personal email account. Proper actions was not taken and my personal information may have not been destroyed or deleted. 

Thank you for your attention to this matter. I look forward to your prompt action in resolving these inaccuracies. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NM)

Please provide proof of an inquiry to my credit as well as proof of the rejected application, as the application was incomplete. If this can not be provided, I will be disputing this inaccuracy with the credit bureaus and demanding this to be removed from my report. Additionally, XXXX companies are attempting to collect on this inaccurate debt which is illegal. 

I viewed an apartment and started ( but did not finish ) the application process in XX/XX/2022 with XXXX XXXX in XXXX. My credit was frozen at the time, so when I got a notification that the application was submitted I cancelled my debit card to reverse the funds for the unit that I had not been ready to apply to. I cancelled my application, yet a collection account is showing for {$130.00} for an apartment I never applied to nor lived in. The application was cancelled, not denied. It was not even processed. 

Once again : Please provide proof of an inquiry to my credit as well as proof of the rejected application, as the application was incomplete. If this can not be provided, I will be disputing this inaccuracy with the credit bureaus and demanding this to be removed from my report. Additionally, XXXX companies are attempting to collect on this inaccurate debt which is illegal.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC (FL)

THIS COMPANY HAD CHARGED -OFF XXXX OF MY ACCOUNTS BUT FAILED TO SEND ME A XXXX FORM. ONCE THIS COMPANY LISTED THIS ACCOUNT AS A CHARGE OFF, THEY FAILED TO PROVIDE ME WITH A 1099-C FORM. THE FLORIDA STATUTE OF LIMITATION ON THIS DEBT IS XXXX  YEARS STARTING FROM THE DATE OF MY LAST PAYMENT. THIS COMPANY NOT ONLY CONTINUED COLLECTING ON AN INVALID DEBT BUT SOLD THIS INVALID DEBT TO NUMEROUS CLLECTION AGENCIES WELL PAST THE STATUTE OF LIMITATION FOR COLLECTING ON THIS DEBT.
Consumer complaint received 2023-03-24
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. (IN)

I am writing to dispute the following inquiries. I have no knowledge of obtaining any of the inquiries listed here. It is caused by fraud. 
XXXXXXXX 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 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2023-03-24
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. (NJ)

In XX/XX/2021 I was a victim of a hit-and-run accident sustaining multiple injuries. My medical bills have been paid by my auto insurance and medical insurance. I have two active insurances for which I pay huge amounts as premium. The so-called Collection Agency named XXXX XXXX has been threatening and intimidating and this was reported to CFPB. My insurance company sent the proof that the original creditor ( an ambulance company named XXXX XXXX XXXX  ) was paid for their service. XXXX was given all the proof of payment by XXXX and still they refused to remove it from my credit report and reporting false information. XXXX is colluding with the collection agency and XXXX action is unlawful. The collection agency repeatedly lied to CFPB on multiple occasions. 2 times I filed dispute through XXXX website with testimony and proof that I am not responsible for this and my auto insurance and medical insurance paid all legitimate amounts. The proof is again attached and Collection Agency is still attempting to threaten by keeping Negative false information on my Credit Reports.
Consumer complaint received 2023-07-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Telerecovery Corporation (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!