davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CO)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows 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 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 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Collection/Charge Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (MN)

I am writing to file a complaint against Ability Recovery Services LLC, XXXX XXXX, XXXX and XXXX for their refusal to address my credit report disputes. Despite the conclusion of litigation related to my credit report, these credit bureaus continue to claim that they can not respond to my disputes because my complaint involves the same issues raised in pending or prior litigation. This is a clear manipulation tactic to avoid their responsibilities under the Fair Credit Reporting Act ( FCRA ) Details : XXXX. Litigation Status : The litigation related was fully resolved on XX/XX/year> I will attach relevant court documents. 
XXXX. Dispute Attempts : Since the litigation ended, I have submitted multiple disputes regarding inaccuracies on my credit report to all XXXX burueas through the CFPB. However, they have consistently responded by stating they can not address my disputes due to ongoing or prior litigation, which is factually incorrect and manipulation. 
Under FCRA ( 15 U.S.C. 1681i ) They are required to investigate any disputed information within XXXX  days, regardless of litigation status and their refusal to do so may be in violation of Federal Law XXXX. CFPB Complaints : XXXX XXXX. Debt Collector Re-reporting after Settlement Agreement : Lastly ABILITY RECOVERY SERVICES , LLC is in violation of the settlement we had in the previous litigation and reporting the same information from the identity theft they are reporting this on behalf of XXXX XXXX they do NOT have permissble purpose to do so again this was an identity theft litigation that has since been settled I will provided attachments.
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Halsted Financial Services, LLC. (NC)

XXXXXXXX XXXX XXXX XXXX XXXX as well as halsted XXXX are both attempting to collect on me from a debt to XXXX XXXX XXXX thats was already paid the debt letter they sent me stated to pay so I can immediately have it removed from my credit report but the original creditor would still report it monthly XXXX company are both trying to collect on an account and both threatening to sue me. I have asked for validation of debt and recieved nothing but they have not stopped calling or threatening to sue me
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (NJ)

I lost my card while on vacation XXXX specifically in XXXX, XXXX headed to XXXX, XXXX. i lost the card on XX/XX/XXXX. My vacation was from XXXX XXXX XX/XX/XXXX. My card was charged for numerous amounts totaling {$390.00} during the time I lost my card on XX/XX/XXXX until XX/XX/XXXX when I was able to finally get in contact with Chase to cancel the card. I informed JPMorgan Chase that I did not make these purchases. They have denied my claim twice without providing me with the information as to why it was denied. I informed them that I did not have the card yet they insist that I do. They wish to charge me for the {$390.00}. I have been a customer of chase for 10 years with very few complaints. The one time I need Chases help the most, they are unable to provide it.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I made a deposit of {$2400.00} of a XXXX check and on XX/XX/XXXX the money taken out from my account on XX/XX/XXXX. XXXX XXXX the maker of the XXXX check, says the check was paid On XXXX XXXX and Bank of America says they gave it back to XXXX for the last XXXX months I have been asking proof from bank of america that they gave XXXX the funds back because i showed them that XXXX says the check for {$2400.00} was paid and showed proof of it. My bank is Bank of america and they are saying they cant provide proof that they gave the money back to XXXX. XXXX has provided proof that the check was cashed and Bank of america is saying they dont have the money. Im attaching the bank statement showing bank of america withdrew from my account {$2400.00} dollars from my account and all I want is for Bank of America show proof of why they withdrew the {$2400.00} on XXXX XXXX and where they sent those funds back to. I have had over XXXX calls with Bank of America since XX/XX/XXXX until Today XX/XX/XXXX and nobody can help me to clarify the withdraw they paid on XX/XX/XXXX. I have attached the withdraw in question on my bank statement and the refer to maker that bank of america sent and the print out from XXXX stating that check has been negotiated. Please help.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (PA)

New account bonus of {$350.00} offered after {$4000.00} in direct deposits within 90 days of account opened. Account opened XX/XX/year> and {$4000.00} in direct deposits were made within 60 days. Customer resolution representative XXXX has advised that the first payment of {$250.00} was not coded as direct deposit and there for did not count towards the bonus. This {$250.00} was from the same exact payroll company as the remaining payments and should have been coded exactly the same. This is fraud on the banks end to not honor this promotion.
Consumer complaint received 2019-08-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc. (TN)

On XX/XX/2019 I took out what I thought was a payday loan for {$520.00}. It turned out it was a line of credit in which this company expected me to pay {$66.00} bi weekly. Only {$20.00} of the {$130.00} would be applied to the principle balance which is Insane!!. This company has caused overdrafts to my bank account and financial stress. It is wrong for companies of this kind to take advantage of individuals who are experiencing financial hardships and add more financial crisis on customers. This company is a complete RIP Off!!. I spoke to them and they showed no empathy at all. They are harrassing me at home and even calling my work place. I fear of losing my job, due to the harrassing calls. I feel I have paid enough on this loan and haven't been given any credit. Now I'm being told I owe {$720.00} now even after my payments for the last 3 months. This company is a complete RIP OFF!
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (TX)

Kindly remove these addresses and update it with my current address there should be XXXX ADDRESS reporting on the file. It is alarming as there are different addresses reporting differently. Kindly remove this ASAP Inaccurate Name : XXXX XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed these items and have received no information that I requested so that I may have a accurate and fair credit report .The item is XXXX XXXX XXXX the account number is XXXX. This account is XXXX years old.. This account was closed before they ever put it on my report also this is not under the FCRA. 
Under 15 Usc 1681 states a accurate credit report should be what I'm in entitled to.
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. (MI)

Report has been removed from XXXX for being fraudulent, report has been removed from XXXX for being fraudulent. Company continues to report to trans union without my consent and has continued to do so for months on end. Company has received a cease and desist for improper communications and violations yet continues to leave issue unresolved. Company would not validate debt and instead attempted to request cease and desist be lifted
Consumer complaint received 2024-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports and being a victim of Identity theft. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.
Consumer complaint received 2024-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

NOT A DUPLICATE COMPLAINT - XX/XX/XXXX BOA Home Loans dba Countrywide was paid {$1400.00} meant for the escrow account of their loan to pay for a XXXX dba XXXX XXXX and casualty annual premium to which the policy was drawn up and submitted XX/XX/XXXXXXXX  by a XXXX, OK insurance broker, as well, this amount was billed to BOA dba Countrywide. I made the payment XX/XX/XXXX and under a {$3000.00} overdraft protection policy at BOA NA, the payment was paid to Countrywide XX/XX/XXXX. SEE ATTACHED BOA NA Card as proof of payment. SEE ATTACHED BOA Home Loans Loan History BOA dba Countrywide failed to record this payment to my escrow account. BOA dba Countrywide then required I make a duplicate {$1400.00} payment with my {$1400.00} XX/XX/XXXX loan payment to which I did in the amount of {$2800.00} XX/XX/XXXX which cleared my bank at BOA NA XX/XX/XXXX and both the 2nd surplus escrow payment of {$1400.00} and the XX/XX/XXXX loan payment were both credited to my loan history. XX/XX/XXXX, BOA Regulatory Agent responded to my request for investigation and determined conclusively that the XX/XX/XXXX loan payment reversal on XX/XX/XXXX was specifically meant for the XX/XX/XXXX loan payment and no other payment was intended for the payment reversal, and XXXX XXXX made it clear there was no evidence available to him on XX/XX/XXXX to suggest the reversed payment line entry was meant for XX/XX/XXXX. BOA Home Loans caused every payment from XX/XX/XXXX to XX/XX/XXXX to be allocated one month before the payments were intended, causing inaccurate payment history and loan balances in principal, interest and escrow to be set back one month more in arrears than my actual payments were factually made.
Consumer complaint received 2024-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, Wells Fargo Card Services, suddenly closed my credit card account and provided no clear, specific, justified or valid reason for their actions. I've had the credit card account since XXXX and a banking relationship with Wells Fargo since XXXX and never, ever, ever made any late payments or have any kind of derogatory history with them. Furthermore, the sudden closure of the account lowered my credit scores and it affected me a great deal with other companies accounts interest rates increases and even a high rate new auto loan due to the impacted lower scores. 

I've tried to get a specific reason with Wells Fargo representatives, including an unresponsive XXXX that they assigned to the case. They simply indicated that their decisions was based on an internal evaluation caused by an incident with my XXXX 's XXXX personal debit card account. My XXXX 's had his personal account and a Debit card with Wells Fargo that was not linked or had anything to do with any of my accounts. I was a joint account holder for my XXXX 's account since he was a minor when it was opened, but I had no access or control of his personal debit card as it was issued to him only. The incident with my XXXX 's account happened a few weeks after he turned XXXX and they ended up closing his account. I was concerned so I contact Wells Fargo to precisely ask them if I could assist and if the situation would affect my other accounts and their representative answer was and I quote " XXXX XXXX, you have absolutely nothing to worry about and this does not affect you in any way ''. The conversation was recorder, so they should have it on their records. A few weeks later, I get the notification that my credit card ending in XXXX, was closed. 

My credit card or any other of my debit or personal accounts have absolutely nothing to do with my XXXX. As a matter of fact, I've had them even before he was born. As mentioned above, the only reason I was on my XXXX 's personal account, was because the account was originated and open when he was a minor and it is their own policy that a parent in on the minor 's account. They were aware of all of this and again did falsely stated that the situation with my XXXX was not going to affect me but still closed a totally unrelated account with no basis or grounds to do so affecting my finances and credit greatly. My XXXX 's received letters regarding his issue including letters a Notice XXXX XXXX XXXX and none of them were sent or addressed. However, they did sent me a letter indicating that the close my account because I have not maintained my checking or savings accounts as agreed. Please note that none of my checking or savings accounts had any issues. The only account that had an issued was the debit card account associated with my XXXX 's checking account. Nothing to do with me.
Consumer complaint received 2024-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX 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 2024-09-30
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: Avant Holding Company, Inc. (VA)

Avant LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear Avant LLC, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by Avant LLC complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

1 ) this company keeps charging interest fees on a closed credit account.

2 ) they have committed trust fraud for maleficense of office by not doing their fiduciary duty that i granted them!

3 ) they have illegally stolen the 2 negotiable instruments for payment in full that was legally endorsed i sent them certified mail 4 ) stated in ( ucc3-603 ) tender of payment is to be discharged upon denial or rejection of payments for any obligations or services performed 5 ) they have repeatedly reported illegal consumer transactions to the credit reporting agencies without my written or verbal consent 6 ) they are continuing to violate and commit felony fraud by discriminating and denying me access to my unlimited credit as i am the creditor and i create the credit by using my endorsed signature
Consumer complaint received 2024-08-17
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: EQUIFAX, INC. (ID)

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 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please Delete these accounts. I never had a written signature contract with these creditors for any debt. Provide me valid proof from the creditors that these debts are mine with the contractual agreement or remove them. Please help me get this issue resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: United Funding Logistics, LLC (PA)

XXXX XXXX XXXX has conned so many people into credit repair and then claimed of a bogus lawsuit against 3 credit bureaus, he has since then closed my account threatened with lawsuit and FBI filing of cyber bullying, has a video that if you dont cive him a 5 star rating on the XXXXXXXX XXXX XXXX XXXX XXXX ( i have saved video } refuses to let me on my portal to get vital information i had previously paid for.