davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I am writing to formally dispute certain inaccuracies present in my Experian credit report. On XX/XX/XXXX, I contacted Experian regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 

Account Information : Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} The account labeled as XXXX with Account # XXXX XXXX is not mine, and I kindly request its immediate removal from my credit report. 
Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} The account labeled as XXXX with Account # : XXXX is not associated with me, and I respectfully request its removal from my credit report. 
Account Identifier : XXXXXXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} The account labeled as XXXX XXXX XXXXXXXX with Account # : XXXX is not mine, and I kindly request its immediate removal from my credit report. 
Account Identifier : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} The account labeled as XXXX XXXX with Account # : XXXX has never been late, and I kindly request the correction of this inaccurate information on my credit report.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (CA)

This is my complaint for APPLE CARD/GS BANK USA XXXX I believe that my information is being misused and reported as inaccurate. In my credit report from XX/XX/2023, I found some derogatory item that I was not aware of. I found fraudulent charges and account with inaccurate information, such as payment history, status,, balance, and date of last activity. According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (DE)

The Bureaus Inc, has stated per " No. of Months ( terms ) '', I have a '1 month term '' with them for account # XXXX. This is incorrect. This was charged off by XXXX XXXX, there are no more terms with them. What terms and agreements did I sign and agree with The Bureaus when they purchased this debt? None. So this is inaccurate. ( Please note : even the 2 year payment history states " CO '' /Charged Off, so no payments past due to The Bureaus ). Please send proof of contract signed with The Bureaus for this " 1 month term '' that I signed.
Consumer complaint received 2023-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

My mom sent 2 wires from her checking at HSBC to my checking account at XXXX XXXX twice, unsuccessfully, because she mistakenly used a retired/stale XXXX XXXX routing number ( XXXX ) notwithstanding the right account number. Rightfully, twice the amounts were bounced back to her HSBC account but each time {$50.00} was withheld ; in total a total of {$100.00} was docked, given 2 round trips. 
I would like to request courtesy waive and imbursement of the {$100.00} as it was an honest mistake and first time offense. However, neither sending bank ( HSBC ) nor receiving ( XXXX XXXX ) acknowledged that it charged the fee. Its a mystery case but {$100.00} is withheld by someone but neither is helpful in figuring out whom, simply directing me to the other. 
The two dates, out-going and bounced amounts were were ( statement also uploaded ) : 1st : XX/XX/2023, out-going wire = {$830.00} from HSBC ( returned XX/XX/2023 but only {$780.00}, {$50.00} lower ) 2nd : XX/XX/2023 out-going wire = {$780.00} from HSBC ( returned XX/XX/2023 but only {$730.00}, {$50.00} lower ) I called HSBC Customer Service and visited HSBC Branch ( at XXXX XXXX , even spoke to Branch Manager on XXXX ) and was told that the fees were not charged by HSBC, and directed me to XXXX XXXX. I called XXXX XXXX Customer Service and visited its branch ( at XXXX XXXX in XXXX XXXX on XX/XX/XXXX ) and was told XXXX XXXX did not charge any fee. In fact, the retired/stale routing number that my mom used wont accept any incoming wire ( or the amount would have been applied towards my account ) XXXX XXXX XXXX ( All other XXXX XXXX Offices XXXX XXXX XXXX XXXX ) From speaking with HSBC and looking at statements, these 2 wires were sent via XXXX  ( XXXX XXXX XXXX ) and the relevant sequence # on both wires, both outgoing and the bounced return were included in the statement attached I also tried calling XXXX  at its customer service number shown online but a representative told me they wont interact with retail customer ( XXXX XXXX XXXX at the Customer Service at Phone : XXXX ) At this point, I dont know where to turn to appeal for the reimbursement of {$100.00} fee
Consumer complaint received 2023-08-03
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. (WV)

There was a credit inquiry on XX/XX/23 that was unauthorized. I was attempting to log onto my XXXX XXXX account and it was wanting to do a verification. I got a text and when I clicked it to do the verification it said I was all set up to set up my account. Then I was notified through experian about an inquiry to XXXX XXXX. I didnt authorize it.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.
Consumer complaint received 2023-08-28
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. (MO)

15 USC 1681a2 I did not give written or verbal permission to have these accounts furnished on my report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION (PR)

In XXXX of XXXX my wife opened an online premium saving account with PenFed bank. I was added as joint owner of the account the same month through a process outlined in a branch by one of the tellers. In XX/XX/XXXX I began having issues with accessing the joint account online. At times the account would not show as one of my accounts with the bank. Other times the account would be reflected, but I could not make transfers or access the money. I was told that the process had not been completed correctly by staff and would be remedied immediately. Still, the problem persisted. I called and spoke with representatives numerous times between XX/XX/XXXX - XXXX, XXXX and each time I was assured that this was a technical error that would be remedied within 24 hours. As of XX/XX/XXXX this issue still has not been resolved. I have directed PenFed to wire the contents of this account to another financial institution.
Consumer complaint received 2023-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orions Management Group, LLC (TN)

Orions Management Groun, LLC IS STATING THAT I OWE THEM {$560.00} Which I do not. I don't have any account with them I already filed a dispute with them about them account and told them to cease and desist on this account. 
They have not provided any documentation with my wet signature that I have anything to do with them. Now as a consumer know I have a right to privacy. In they are breaking countless of law of the FCRA and FTC AND I WILL BE FORCE TO BE SEEKING Remedies from this laws because they are causing damage to my character as a consumer and cause me and my family a nervous break down. 
I had to check in with the doctor for this problem. They told me see my lawyer about the situation so I did so now I know about the laws they are breaking from my lawyer it's a up to a XXXX per valuation me and my lawyer will be coming for this company. So ima telling you again cease and desist.
Consumer complaint received 2023-08-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (NY)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Report Information Under FDCPA Section 15 To Whom It May Concern : My name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. I have been disputing inaccurate information on my XXXX credit report for several months to no avail. 

Specifically, XXXX is reporting [ describe incorrect information ] regarding an account with Southwest credit Syste This information is false and violates Section 15 of the Fair Debt Collection Practices Act, which prohibits deceptive or misleading representations by debt collectors. 

I have disputed this inaccurate information in writing with XXXX multiple times, most recently on XXXX/XXXX/2023. However, the information remains unchanged. 

I request that the CFPB immediately investigate XXXX for violating provisions of the FDCPA by allowing this misleading information to remain on my report after multiple disputes. I have enclosed copies of my dispute letters as evidence. 

Please contact me at [ phone number ] or [ email ] to discuss this complaint. I look forward to your assistance in resolving this matter. 

Thank you, XXXX XXXX
Consumer complaint received 2023-08-27
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX  - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : TransUnion, XXXX, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SN SERVICING CORPORATION (NJ)

Sn servicing has collected money towards maintaining an escrow account to pay insurance and taxes. They have yet to make any payment to our insurance company, and as a result the out was canceled effective XX/XX/XXXX. XXXX reached out to them multiple times requesting payment, with no response. In XX/XX/XXXXXXXX  the mortgage company claimed not to find any information on the insurance policy, and I sent them emails with all of the relevant information. Yet they apparently never made a payment.
Consumer complaint received 2023-08-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (PA)

I got approved for a Navy Federal checking/savings about a month ago. I switched my direct deposit recently and this week was the first time I received direct deposit to the account. XX/XX/ I was approved for a secured credit card with them and they deducted the {$200.00} deposit from my savings and sent me an approval. I used my debit card a few times after on XX/XX/XXXX XXXX XXXX when I tried to make a purchase it declined. I opened the app which told me to call. They advised that my account was going to be closed due to fraudulent sign up ( I signed up through my sister- immediate family member ) and I would have no access to the remaining funds on the account until this process was completed, the security team is closed on weekends so theres no one else I can speak with, and the supervisor hung up on me. I called back and advised I was not sent notice of this and was unable to feed my children due to the circumstances and was disconnected yet again, intentionally, by another supervisor. I advised them I would not be able to come into a branch because I was unable to get my vehicle fixed due to this mishap and the closest branch is about 4 hours from me. My entire paycheck was deposited into this account which Ive now had no access to for over 24 hours. The agents lacked training and empathy. I never received a notice requesting documentation proving I am eligible which I very much am.
Consumer complaint received 2023-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

i have already filed a complaint XXXX over a month ago. I have reached out to the contact person multiple times. XXXX XXXX resolution specialist at Bank of America XXXX he will not return calls. This is unacceptable. I have been a long time customer carry sufficient balances and i have been pushed to the side. I have contacted XXXX XXXX office as well. I beleive there is senior financial abuse and would like all my accounts to be looked into. All i want is confirmation that i withdrew XXXX from my account in XXXX. And if they can't produce it I want my XXXX put back in my account. This has been going on since XXXX of 2022, and everyone at Bank of America seems to hand it off to some one else from the branch to escalation department and now to resolution department.
Consumer complaint received 2023-08-27
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. (CA)

This account does not belong to me. This is a fraudulent account. As you can see, on the credit reports my name is incorrect and addresses shows in other states, Alabama and Utah. No product was given. No signature was given. I XXXX reported the account 5 years later. No contact was made. I recently wrote a letter directly to XXXX with no response and they added a balance update as of XX/XX/2023 and still no documentation was proven. The account must be deleted from all ( 3 ) credit reports
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX maintenance worker tried to burglarize my apartment. I have it all on camera. I feared for my life and called the XXXX POLICE DEPARTMENT to the apartments to file a police report on XX/XX/2020. XXXX XXXX XXXX gave me permission to break the lease with no fees or penalties. 
XXXXXXXX XXXX XXXX has placed XXXX XXXX XXXX XXXXXXXX in the untenable position to commit felony conversion aiding and abetting fraud by mail attempt to collect a debt that I have no contractual obligation. ( 2 ) predicators of the three ( 3 ) needed to begin a Racketeering. XXXX XXXX XXXX XXXX has violated my privacy and have failed to adequately comply with the affidavit request. Over the last 3 years I have been dealing with the harassment of XXXXXXXX XXXX XXXX The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. The inaccurate reporting has damaged my livelihood. At this point I have to tried to resolve the matter. What else is there to do, File a complaint with the Attorney General, File a complaint with the federal Trade Commission. File a police report against you for harassment an invasion of privacy. File a lawsuit against you in Florida for harassment, fraud, and invasion of privacy. For the purpose of Section 242, acts under " color of law '' include acts not only done by federal, state, or local officials within the their lawful authority, but also acts done beyond the bounds of that official 's lawful authority, if the acts are done while the official is purporting to, or pretending to, act in the performance of his/her official duties. Persons acting under color of law within the meaning of this statute include police officers, prisons guards and other law enforcement officials, as well as judges, lawyers, care providers in public health facilities, and others who are acting as public officials. It is not necessary that the crime be motivated by animus toward the race, color, religion, sex, handicap, familial status or national origin of the victim. The offense is punishable by a range of fines up to {$250000.00}, imprisonment up to a life term, or the death penalty, depending upon the circumstances of the crime, and the resulting injury, if any.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-03-23
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. (CA)

This will be my follow-up to my previous complaint to ensure that these accounts are investigated for their erroneous reporting : XXXX XXXXXXXX XXXX Balance : {$4800.00} XXXX XXXXXXXX XXXX Balance : {$4100.00}
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (FL)

According to the fair credit reporting act 15 USC 1681 SECTION 602, The consumer reporting agencies are to insure the reporting with grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I the consumer. My right to make assure my information isn't shared which is aided by 15 USC 6801, that it is policy of the Congress that financial institutions have an affirmation and continuing obligation to respect the privacy of its customers and to protect the security of those consumers nonpublic personal information. ( Furnishing of information to credit agencies ). 15 USC 1681 section 604 a section 2, In accordance with written instructions the consumer reporting agencies may furnish a consumer report. XXXX and XXXX do not have my written consent to furnish this report. any and all verbal, nonverbal, written or otherwise, consent to XXXX and XXXX have been revoked. 15 USC 6802 ( A ) ( B ), Financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnishing of information to credit agencies ). I was never informed of my right to exercise my nondisclosure options. 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies may not make any adverse reporting other than reporting of conviction of crimes which antedates seven years. This account is an adverse item they are reporting without my permission which is against the law. 15 USC 1681S-2 ( a ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15USC 1681E, All consumer reporting agencies shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. Experian and Equifax are not maintaining reasonable procedures. Also, 12 CFR 1016.7, A consumer may exercise the right to opt out, I am opting out of the reporting services.

Any other information other than provided below is inaccurate and to be removed. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Consumer complaint received 2023-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NE)

I was scammed via the internet to deposit checks from several individuals into my bank account at XXXX XXXX XXXX XXXX XXXX, send half of the deposited amount via PayPal, and was ensured I would be able to keep the other half of the money. XXXX {$500.00} checks were sent to me on XX/XX/XXXX, and I deposited them the same day. I then sent half to individuals on PayPal : XXXX XXXX - XXXX euros XXXX XXXX - {$240.00} XXXX XXXX - {$240.00} Xubing XXXX - {$260.00} XXXX XXXX - {$100.00} A name in XXXX characters - {$100.00} When the amounts being sent for deposit to my checking account I started to get suspicious and refused the additional checks, and told my mom what happened. We then filed a police report with XXXX Police Department in XXXX, XXXX ( RT # XXXX ). I also provided them my SSN. 

I filed a report with PayPal as well as with my bank. PayPal said they would work with my bank but XXXX XXXX XXXX XXXX XXXX is saying there is nothing they can do.