davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

Bank of America has frozen my account because I have not provided some requested information that I haven't either received or they deemed insufficient. 

For the insufficient information I have provided them multiple documents on the total bill and they are disputing a {$2.00} charge on reoccurring billings for XXXX. The date of service XXXX XXXX and I received products for my XXXX  monthly. They continue to ask for the same receipts. I think they are collecting unnecessary personal data at this point. 

I have had to provide receipts for XXXX cent transaction from my children 's healthcare provider. The amount of data that they are collecting has been severely over the top. 

To me it seems like BofA is collecting to much of my personal data especially on recurring billings.
Consumer complaint received 2024-09-05
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. (NC)

The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, Sec. 623.

Responsibilities of furnishers of information to consumer reporting agencies, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation. 

The following information should be investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: College Ave Student Loan Servicing, LLC (VA)

Subject : Complaint of Consumer Rights Violation by CollegAve Dear Consumer Financial Protection Bureau, I am writing to bring a concerning issue to your attention regarding a company called " CollegAve ''. As a consumer, I believe my rights have been violated by this company with inaccurate reporting on my credit report.

Attached to this email, you will find a screenshot that clearly shows the creditor remarks of the reported debt, stating that it has been charged off as a tax write off under the label " profit and loss write off. '' Despite this, CollegAve continues to report a past due amount, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

This situation has caused great distress and frustration for me. I am concerned that I may be targeted by CollegAve and that I am not receiving fair treatment as a consumer. In light of this, I will be seeking the assistance of a FDCPA attorney today.

I kindly request that the CFPB investigates this matter and takes appropriate actions to ensure the protection of my consumer rights. Your prompt attention to this matter is greatly appreciated.

Thank you for your attention and for the essential work that you do in safeguarding consumers ' rights.
Consumer complaint received 2023-07-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (TX)

I never had an account with Bridgecrest. This furthermore proves the violations of information being illegally and fraudulently report to consumer credit report. 
15 U.S. Code 1681a ( 2 ) ( A ) ( i ) 18 U.S. Code 894 - Collection of extensions of credit by extortionate means a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the non repayment thereof was punished by extortionate means.

Per consumer credit report from Bridgecrest on the following date of XX/XX/2023, that I the consumer owed a balance with Bridgecrest in the amount of XXXX and stated the " merchandise was taken back by credit '' which is also a false information as vehicle was not able to operate due to brake mechanical issues that were no longer under warranty and had Federal recall from the manufacturer.
Consumer complaint received 2024-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I asked this mortgage company Select Portfolio Servicing to remove the escrow account because my loan did not have an escrow account when they purchased it. I already paid my taxes for the year. To resolve the problem they removed the escrow account on XX/XX/XXXX and then put it right back on XX/XX/XXXX! So the escrow account needs to be removed again!
Consumer complaint received 2023-09-20
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. (NY)

I am writing to you in the utmost frustration and disappointment regarding an erroneous account that has been consistently reported on my credit file. I am formally disputing this account, which is clearly a result of fraudulent activity. This situation has caused significant damage to my creditworthiness, and I insist on its immediate removal from my credit report. 
Account Information : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
I have attached supporting documents, including affidavits and evidence, which unequivocally prove that I have been a victim of identity theft and that this account is fraudulent. This matter is of grave concern as it has adversely affected my ability to secure credit, obtain housing, and achieve financial stability. It is crucial that you take immediate action to rectify this situation. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to a fair and timely resolution of this dispute. According to the FCRA, you have a maximum of 30 days to investigate and respond to my dispute. Any failure to adhere to this timeframe will be seen as a violation of federal law. 
Furthermore, I reserve my right to take legal action if this matter is not promptly and properly addressed. I will not hesitate to seek damages for the harm that has been inflicted upon my financial well-being and reputation.
Consumer complaint received 2024-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (MD)

I have not received any written notification about this debt. I became aware of it after a negative reporting appeared on my credit report. The original creditor the debt is linked to never notified me of an unpaid balance. I actually formally closed the account with the creditor upon moving ( it was a utility bill ). The amount shown as unpaid was already paid to the original creditor years ago. XXXX has reported this debt as unpaid, then paid, and unpaid again - all incorrect.
Consumer complaint received 2024-07-19
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (IA)

I am writing to express my concerns regarding the handling of my recent dispute case. I filed a dispute for unauthorized charges and two XXXX XXXX payments that I did not authorize. Initially, I was relieved to receive a provisional credit ; however, my relief was short-lived. 

Within a day of filing, the app displayed a 'denied ' status for XXXX transactions, which contradicted the information provided by your representatives who assured me the case was still open and under investigation. This discrepancy is alarming and suggests a premature decision-making process that could not have possibly involved a thorough investigation. 

Moreover, despite providing additional information and the name of the arrested suspect to aid the investigation, I have not seen any action taken to re-open the case or re-issue the provisional credit as per Regulation E requirements. The lack of communication and failure to provide an explanation for the denial of the dispute or the evidence used in making that decision is unacceptable. 

I assert that I have no knowledge of or connection to a XXXX XXXX XXXX ' to whom the disputed transactions were sent. It is my belief that these unauthorized transfers were made by an individual who was temporarily staying at my residence and had access to my phone without my consent. 

I urge CHIME to conduct a thorough investigation into these transactions and provide me with a comprehensive report. It is critical that this matter is addressed promptly and transparently to restore my confidence in your services.
Consumer complaint received 2024-07-19
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (IA)

I am writing to express my profound concern and distress regarding a series of events that have led to the unauthorized access and draining of my Chime account. 

On XX/XX/XXXX, I became the victim of a phishing scam, receiving a fraudulent text message impersonating Chime, which resulted in my phone being compromised and rendered inoperable. This unfortunate incident prevented me from receiving timely notifications about my account activities, including an early deposit of my paycheck on XX/XX/XXXX. 

In the subsequent period, from XX/XX/XXXX to XX/XX/XXXX, I was unable to access my Chime account due to two-factor authentication requirements linked to a phone number that was no longer accessible to me. After updating my contact information to my work number, I was finally able to speak with a representative. To my dismay, I was informed that my account had been completely drained. In a state of shock, I reported that all transactions post my paycheck deposit were unauthorized, as I had no online access to my account to verify these transactions myself. The representative filed a dispute on my behalf for all transactions during this period. 

Regrettably, I have been unable to log into my Chime account since then and have had to rely on phone calls to check my balance. No provisional credit has been issued to my account, which is particularly alarming given that this is not the first security breach I have encountered with Chime. 

Upon regaining access to my account, I was astounded to discover that my dispute was denied on the very day it was made, without what I believe to be a proper investigation or due consideration of the circumstances that led to the compromise of my account and the theft of my funds. Under Regulation E, I am entitled to dispute unauthorized transactions and request a thorough investigation into such matters. The supporting documents I have received do not adequately reflect the unauthorized access to my account nor do they provide a transparent account of the decision-making process that led to the denial of my dispute. 

I am urgently requesting a comprehensive review of my case and the return of the stolen funds. It is imperative that Chime adheres to its obligations under Regulation E to investigate and resolve such disputes promptly and fairly. I trust that Chime will take immediate action to rectify this situation and provide a detailed explanation of the actions taken to secure my account against future breaches. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the rights and protections afforded to me as a consumer.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/year> I mailed a letter to capital one requesting them to return both securities I previously sent. Capital One has failed to return the securities I mailed to them on XX/XX/year> which they received on XX/XX/year>. I also mailed another security to them on XX/XX/year> and was received on XX/XX/year>. I gave capital one 14 days to return both securities.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-06-02
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2024-09-06
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. (OH)

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX XXXX {$5400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXXXXXX {$4000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$7300.00} Dat Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX {$1900.00} Inquiries XXXX XXXX  {$5400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX$4000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$7300.00} Dat Opened XX/XX/XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXX {$1900.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
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: EQUIFAX, INC. (MS)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-05
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. (NC)

I keep receiving an unknown person 's student loan correspondence. The postal service was " unable to forward ''. I called the loan servicer and they declared that without the account holder 's consent they could not remove my address from the account. Again, I have no contact with and do not know this person, and they have never resided at my address.
Consumer complaint received 2024-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted. Company information is Transunion. Please delete the following accounts : XXXXXXXX XXXX XXXX  XXXX : {$910.00} XXXX  XXXX XXXX  : {$430.00} XXXX XXXX XXXX  : {$680.00} XXXX XXXX XXXX  : {$1100.00} XXXX  XXXX : {$3600.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-16
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (WI)

I bought 2 gift cards from XXXX XXXX, their processor is Cashstars which belong to Blackhawk. I tried to relod these cards today, {$300.00} each card. At first it went through and then Cashstar sent emails saying the transations could not be processed and that I would be refunded. I checked my bank and could see that both transaction had gone through so it wasn't an issue with my bank. 

I asked Cashstars to explain over and over again through at least 6 emails exactly what the problem was. 

We bought the gift card due to their convenience to reload online but if Cashstars has some prolbem, which they will not admit to or explain, what is the point to buy the gift cards. I asked them over and over to give me a specific reason and if this issue would continue essentially making our reloadable gift cards useless? 

They simply replied with copy and paste emails stating the same thing over and over that they could not process the payments and I would be refunded. 

If they are having issues then XXXX XXXX needs to be made aware of that as well. 

In any case we are out {$600.00} until our bank credits us back, which is typically a week. 

I want a clear and specific reason why our payments were not processed and if the problem will continue.
Consumer complaint received 2023-11-18
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. (DE)

To whom it may concern, My issue is that there are a lot of inquiries that are on my credit report in which I did not request credit from the creditors.. I am asking that these inquiries be removed from my credit report because they were ran in error or they belong to someone else or they were ran fraudulently Thank you I am also sending an attachment of my FTC report with the same complaint as well XXXX XXXX
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (WV)

On XX/XX/XXXX I went to open a new account with Truist with a check from the wv treasury. It is my retirement refund check. I opened the account and then a few days later I received my debt card I tried to activate it and they said I would have to call because there was a problem with my card. The next day I called and they said my account would be closing and they could not tell me when I would get my funds back that had already been deposited into my account. On the XXXX the bank cashed the check gave me {$1000.00} from it and then deposited the rest into my account. Truist XXXX number could not give me any answer and said that the analyst where the only ones who could answer my questions but the analyst do not take phone calls but they. Could leave a note on my account and have them call me back. In the last XXXX weeks Ive called them almost every other day requesting a call back or answer and I have not received either. The check was a Truist check that I was putting into my Truist account. It was also from the state treasury, I called them to see if they could help. They called the bank and the bank said they were trying to get ahold of me but I received no call or email or letter other then from the XXXX one said my account was on hold funds would be Available the XXXX of XXXX, one saying my account would be on hold and one saying it would be closed. All three came on the same day.