davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (GA)

I am writing to request the method of verification for dispute initiated on XX/XX/2022 and subsequent response received on XX/XX/2022. 

Please send the following information used to verify the validity of medical bill 1. The name of the original creditor 2. Original creditors address and telephone number 3.The person 's name they verified the dispute with 4. The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending this information you can reopen the disputes and ensure a proper investigation is performed. 

I would appreciate a timely respone outlining the steps that will occur to resolve this matter. If i do not receive a response I will have no choice but to exercise my right under FCRA section 616, and pursue legal action.
Consumer complaint received 2022-09-21
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: Experian Information Solutions Inc. (TX)

The following company is not in accordance with 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. 

Company : XXXX XXXX XXXX XXXX - XXXX XXXX
Consumer complaint received 2022-09-21
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. (TX)

The following company is not in accordance with 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. 

Company : XXXX XXXX XXXX XXXX - XXXX XXXX
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO Bank, N.A. (CO)

My checking account at BMO has been compromised three times in the last 6 months. The first time was in XXXX. I closed my account and opened a new account at the same institution. I thought it would happen and my funds would be better protected moving forward. Not at all. On Sunday, XX/XX/year>, my checking account was compromised again. Once for {$900.00}, and the other was a check for over {$4000.00}. When I called to report the issues, the 24-hour line was closed. I called a friend who works at the bank and was told they open in XXXX minutes. How is a 24-hour line closed? When I did speak to someone, they told me to call the branch on Monday. I called, and they told me they needed 24-hour to close and TRY to get my money back. I received the call at XXXX XXXX on Tuesday and arranged to arrive at the bank at XXXXXXXX XXXX to get my money and close my account. When I arrived, I was asked to sign for my CASH ( I requested cash ) ; I signed ... Then I had three bank employees looking at me, very nervously. My account was compromised AGAIN as they watched. I was asked to wait XXXX more hours for a call, and I will need to go back again to hopefully get my money back. I asked the employees at the bank what they were going to do about the thieves. They said, they do nothing because it was not at their branch that accepted the check. I need to file a police report. My account is closed, so I have no details or copies of fraudulent checks. I need help, please
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (IN)

I opened an account with Wells Fargo on XX/XX/2022 and I was using a check from XXXX Bank. I called to verify that I would be able to use it and was assured I would be. The following day the check was reported as " not a good check ''. My check was said to have been returned to XXXX Bank. There has been a lot of back and forth between both banks since XX/XX/2022 trying to figure out where that check has gone. Wells Fargo has told me multiple different stories and no one can figure out WHERE THE CHECK HAS GONE. This bank has been the worst experience for me. In XXXX I called a few time trying to figure out what happened. The first young lady was of no help and didn't even try. The next week I spoke with someone who told me I had to call XXXX Bank and figure it out with them, which I did and was told to go back to Wells Fargo. I was told in XXXX by Wells Fargo that closed account information is kept for up to 6-8 years in case of issues like this. The next week I was told they have no way of getting into a closed account! A few days later I called again and asked the guy I was speaking with if he could find the check number from XXXX Bank that was " a bad check ''. He emailed it to me, which I then called XXXX Bank and informed them was told they could help me. I give Wells Fargo permission to contact XXXX Bank in order for me to receive my funds.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (MO)

Hi, I had a Amex XXXX  credit card and I requested to close the account earlier this year. At the time of closing, I had about XXXX point in Amex. During the call with customer support, I was explicitly told that I will have one month to redeem the points once I go ahead with closing my account. I explicitly confirmed twice if I have 1 month to redeem and it was confirmed by the support agent. However, once the account was closed, I lost all my points. I raised complaint twice. But it didnt help. 

Approximate flow of conversations during the call with support agent ( You may confirm with Amex 's call logs ) Me : I would like to close my account. How long do I have to redeem the points Amex : A month from date of closing Me : Okay, lets proceed Amex : Explained some terms and conditions and then asked to confirm if I would like to close the account. 
Me : Are you sure that I have month to redeem the points? 
Amex : Yes, thats right. Shall I proceed with account closure? 
Me : Yes The above conversation can be verified from your call logs. On raising the complaints twice, the first I was told that they reinstate the points but they didnt. Second time, they flatly declined saying nothing can be done inspite of telling them to review their own logs. 

I feel it is unfair to lose my points especially because of wrong information given to me.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

The following information included in my Ftc report is fraudulent I demand immediate removal I'm in the middle of purchasing a home and this has affected e as I have reached out to credit bureaus to resolve this fraud. Violation of my consumer rights 15 USC 1681 law prohibits false information from being reported immediately remove these items i have attached ftc.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (OH)

I called into the service department months ago and I was asked about some charges that appeared on my student discover card. Those charges were not mine and they were disputed and taken care of. I then realized that fraudulent charges were on my card ranging back to XXXX of 2022. I submitted another dispute for each charge and they came back and declined those disputes. They basically said that I was making charges or still using my card in between the disputed charges. I already told Discover card that my credit card was never stolen, but someone had to have access to my credit card information. So I can see how this could easily happen. With that being the case I never noticed charges that showed up on my account that weren't mine. I'm a college student. This is my first credit card and I was unaware of how to check my account and was not checking it regularly. They also implied that I waited too long to dispute these charges. 

There are about {$800.00} in unauthorized charges on my account.
Consumer complaint received 2022-09-21
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. (FL)

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX XXXX ACCT # XXXX XXXX BANK XXXX ACCT XXXX XXXX These accounts have violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2022-09-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MI)

I set up a new bank to link with my Well Fargo savings account. The new bank is XXXX XXXX XXXX XXXX savings account. Wells Fargo deposited XXXX small transactions into my account I had to verify which I did successfully. Then I transferred over {$4700.00} using their online system. The next day they sent me only an email not through their system, no phone call or any other information tell me the following : Wells Fargo temporarily suspended use of your XXXX XXXX XXXX XXXX account For your security, we temporarily suspended use of the following account for online Bank-to-Bank transactions initiated at Wells Fargo : XXXX XXXX XXXX XXXX XXXX You can not schedule new transfers or submit payments while the account is suspended. Any pending or scheduled transactions will not be processed. 
To reactivate this account, please call us immediately at XXXX, XXXX hours a day, XXXX  days a week. 
Sincerely, Wells Fargo Online Customer Service It states that I could reactivate this account. After XXXX phone calls, an hour and being told all different things and being hung up on.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (GA)

A regions bank employee, XXXX XXXX participated as an accessory to commit felony Larceny. I was defrauded out of XXXX XXXX dollars. Her supervisor is also helping to cover up this crime. She works at the XXXXXXXX XXXX XXXX in XXXXXXXX XXXX.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (IL)

Hello, This dispute is for Citibank and XXXX XXXX XXXX. I have been placed in a system where I can not open any accounts with a financial institution. I am disputing the removal of the status Citibank has under this savings account that is reported to your agency. There is a lot of inaccurate information under this account and needs to be removed. This violates my consumer rights under the FCRA. Citibank is reporting this savings account that closed back in XX/XX/2022 as checking fraud. This is a vague term and does not specify if I was a victim of fraud or someone defrauded me. XXXX XXXX  will not reinvestigate this item, but can not provide me any validation of information to prove that it's accurate. This status of term is reflecting negative on my consumers report and I have been unable to establish banking because of this negative status. I need a deleted record provided to me and this comment removed under the status for this savings account. If this status/comment is not removed immediately, I will proceed with filing a lawsuit in my state. I have been a victim of identity theft and never experienced such poor resolve in my life. I have already contacted XXXX XXXX team to look into CitibankXXXX XXXX XXXX practices with consumers.
Consumer complaint received 2022-09-21
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : 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 a account without my written consent.
Consumer complaint received 2020-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IN)

Cash app will not allow my sister to refund me my money back in the amount of {$1000.00}. This occurred XX/XX/XXXX. I emailed them the same day. I also followed the steps that they ordered me to follow and nothing has changed. It has been 1 month. Ive contacted them via email and the problem did not get solved.
Consumer complaint received 2024-09-02
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. (VA)

I NEVER gave any consumer reporting agency the permission to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. 

I XXXX XXXX XXXX Never Signed, Provided Documentation or Have any first hand Knowledge About ANY account Authorization That took place with ANY ACCOUNTS LISTED IN THIS COMPLAINT EVER! WITH THE CREDITORS BELOW or! Any Documents Those companies RECEIVED WAS FRAUD and I stated to the creditors also. I'm a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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 the identity theft. 

XXXX SUBMITTED 2 FORMS OF identification Proof of address ALONG WITH FTC AFFIDAVIT ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ;
Consumer complaint received 2018-11-02
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. (TN)

I have disputed the late payments on XXXX  XXXX XXXX, and XXXX   XXXX accounts for months. XXXX refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MI)

On XX/XX/XXXX the co-debtor on an auto loan through GM Financial filed Chapter XXXX Bankruptcy. This plan was confirmed on or around XX/XX/XXXX. The car loan through GM Financial was included in the wage earner 's plan and paid regularly by the Trustee. In XX/XX/XXXX the court issued an order that the car was to be surrendered under the plan and the balance of the loan after proceeds from the sale of the vehicle would be considered unsecured debt paid at 100 % through the plan. I am listed as a co debtor on this account and am protected under the automatic stay. Fast forward to today, nearly 3 months later, and the car is still here. GM Financial has knowingly and fraudulantly reported the full balance of the loan on my credit report, marked the account as 180 days derogatory as of XX/XX/XXXX, which is not accurate considering the Trustee paid them in XX/XX/XXXX. They also changed to notation on the account to reflect open and delinquent as opposed to included in chapter XXXX wage earners plan. They are violating my co debtor rights under the automatic stay and hindering my ability as a consumer to get financing for a car as their malicious and deliberate false reporting dropped my score nearly 80 points and tainted my account history.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made along with errors. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (CA)

Due to the butched up involvement of this very institution, after I HAD DENIED A CHARGE OF INSTANT CASH WITHRAWAL, Citybank had failed to remove that charge from my bill so I had asked this institution to UPHOLD FEDERAL LAWS OF A DISPUTED CREDIT TRANSACTION!! This institution failed to assist in complying with federal credit laws!! 

Now, Citybank had claimed to close the disputed account, and WITHOUT ANY APPROVAL they opened a second and a third account ADDING THE DISPUTED INSTANT CASH WITHRAWAL TO THE NEW ACCOUNTS, completely without my approval at all!! When contacted Citybank, they claimed that the accounts WERE OPENED BY THE XXXX IN XXXX, their security division. This is became a nightmare by a RUGE BANK who disseminates credit and personal information to a FOREIGN COUNTRY which has no duty to comply with US LAWS and able to do anything with the information of a US customer, citizen, without any recourse by the very citizen.

I demand US Attorney General to review Citybank 's conducts and assess the highest fines available to a RUGE BANK, repeatedly violating US credit laws!!
Consumer complaint received 2023-07-04
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Lockhart, Morris & Montgomery Inc. (TX)

Since XX/XX/2021, I applied Aid Financial.gov ( Fasfa ) for student loan and even paid {$5700.00}, so I had {$900.00} left. But it bothers me a lot to pay the rest of the money so I have the letter from President Joe Biden and Vice President XXXX XXXX who wrote me not to pay anymore until the new court decision. And it's been 4 days since President Joe Biden canceled academic debt, but why did I get the letter again from this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Tx XXXX, with their phone ( XXXX ) XXXX keep writing me to tell me that they will send me to the collection?
Consumer complaint received 2018-11-02
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. (CA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made along with errors. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-11-02
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. (AZ)

XXXX XXXX XXXX is fraudulently reporting on my credit report for the amount of {$0.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.