davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I would like to bring an urgent Banking matter to your attention. 

I was defrauded out of approximately {$30000.00} during a Bank transaction involving XXXX XXXX XXXXXXXX XXXX and Bank of America. 

The transaction was my closing on my home. The parties involved were XXXX XXXX, Bank of America, XXXX XXXX XXXX and XXXX Financing. The wire transfer was done directly at a XXXX XXXX XXXX XXXX  branch office.

All parties involved in this fraudulent transaction have taken absolutely no responsibility and are not returning calls. XXXX XXXX  refused to continue to investigate and demand the return of funds from Bank of America. They dropped the case without providing a reasonable resolution. 

The detective at XXXX XXXX has left multiple messages to the Bank of America representative, XXXX XXXX, at XXXX x XXXX FDIC Case # : XXXX. He has not responded or returned calls. 

I filed a case with XXXX XXXX XXXX, case number : XXXX filed on XX/XX/2022 I filed a police report at XXXX XXXX Police station. ( case # XXXX ) on XX/XX/2022. 

I filed an FBI-IC3 case online on XX/XX/2022. 

XXXX XXXX from Bank of America has responded to my FDIC Case # : XXXX by mail with fraudulent Bank of America contact information . The number given on the letter is XXXX ext XXXX and this number is not reachable. 

I would like to be given the opportunity to speak with you directly regarding this situation at your earliest convenience. 

I may be reached at XXXX. 

Thank you very much for your consideration in this matter. 

XXXX
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (LA)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-09-09
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. (IL)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (IL)

I have sent multiple letters and proof to Nordstrom Card Services that the transactions on my Nordstrom Debit Card were not mine. 

Disputed transactions : XXXX {$100.00} XXXX {$510.00} XX/XX/22 - {$360.00} XXXX {$44.00} I have written Nordstrom Card Services a formal letter on XX/XX/22 disputing the above transactions but they have ignored my dispute only calling me more and without explanation or proof from their investigators as to why they believe it was me and have referred it to XXXX XXXX to collect the debt whom I have also written a letter to on XX/XX/22. They have continued to call and request this money although I have clear evidence that it was not I or anyone I know who made these transactions. I am extremely frustrated with Nordstrom and how poorly and unprofessionally they have handled this case and how they have treated me. 

Attached are my formal letters, correspondence I've received and my card purchases and payments I've knowingly made.
Consumer complaint received 2024-09-14
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. (GA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.1682c-2 ) that you Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of mobile telecommunication for XXXX open XX/XX/XXXX, XXXX XXXX XXXX reported on XXXX and gym memberships open XX/XX/XXXX for XXXX XXXX XXXX and XXXX XXXX open on XX/XX/XXXX. These accounts have resulted in fraudulent collections and charge offs appearing on my consumer FICO credit report maintained by you which shows aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or charge offs are resulted from this matter. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer charge off collection accounts resulted from this matter.
Consumer complaint received 2024-10-23
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. (TX)

I am writing to formally dispute the inclusion of the following accounts on my credit report, which I believe are not mine : XXXX XXXX XXXX XXXX  OFFICE OF THE ATTY GEN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, Section 602 ( a ), I am entitled to privacy regarding my credit information. These accounts have been reported to credit bureaus without my consent or authorization. Specifically : Right to Privacy : 15 U.S.C. 1681, Section 602 ( a ) states that I have the right to privacy concerning my credit and personal information. The presence of these accounts on my credit report is a clear violation of my rights under this section, as they are not mine and should not have been included. Furnishing of Information Without Consent : Under 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing an account or credit information without my explicit written instructions. I did not provide any such written consent or instructions for the reporting of the above-listed accounts. I request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that these erroneous accounts are removed from my credit report. I have attached copies of my credit report and any relevant documentation to support this dispute. Thank you for your prompt attention to this matter. Should you require any further information or documentation, please feel free to contact me.
Consumer complaint received 2023-05-23
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. (TX)

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. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX : XXXX, XXXX XXXX : 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 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 2023-03-28
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. (IN)

My husband and I filed a XXXX  XXXX bankruptcy over five years ago. The mortgage was not included in the filing of the XXXX  XXXX. We paid the mortgage separate from the bankruptcy payment. This bankruptcy has been discharged. XXXX XXXX XXXX has been notified multiple times of the discharge and asked to correct what is listed on my credit report. I recently filed a dispute in reference to their report to the credit bureau that my account is " Closed '' and " Potentially Negative ''. All payments were made on time and correct amount to our mortgage during the bankruptcy. They have reported XXXX payment made. The response from their company to my dispute was " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. ''
Consumer complaint received 2023-05-23
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: GOLDMAN SACHS BANK USA (CA)

In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-03-12
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. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

I opened a PayPal account about two months ago, since then I have been able to only complete two transactions and even that was difficult. I have verified my identity and banking information, I have a verified email and phone number, no history of fraud in general or with the company. Every transaction I try to complete is Denied. They blame the banks for this and act like they play no role in it, but all my accounts linked to PayPal give an alert for a declined transaction and never once have I gotten one and the banks dont even see an attempted charge! First for me to send money or make a payment it wants to send me a code to verify my identity. Shouldnt be an issue Since I have a verified number on my account. Well that number doesnt show up as an option and when i enter it to add it it says this type of number can not be used! Its a XXXX  post paid phone number in my name! Someone was able to send me money but it was denied by PayPal when I tried to transfer it out! It wouldnt allow me to refund it out because it wanted to send me a code to my verified number that they struggle to figure out. I was forced to send the money as a bill payment to XXXX just to get it out of PayPal because I do not trust to have any funds held in their control. Ive Been blocked from being able to utilize almost all the services they offer. When I call In its a different story every time, the most common story is their security systems blocked it. Well i have a right to know if there is a security issue with any of my personal information. In fact they are obligated by the patriot act to inform me of any negative information that leads to a denial in hopes to catch if money laundering is taking place. They offer no remedy and the people you get on chat or the phones are a special breed of their own
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (NY)

PNC Bank Credit Card ending in XXXX indicate unauthorized activity Date Amount Merchant Name XX/XX/27 XXXX XXXX XXXX XXXX XXXX XX/XX/27 XXXXXXXX XXXX XXXX XXXX  I have not yet received my pnc credit card since the i apply for this account, i have request a replacement card already. and the new replacement card also have been taken by somebody and was able to attempt activities and make transactions on my card. 
i was not able to get myself protected and reset my account security purposes. and login in or reset my online banking.
Consumer complaint received 2024-10-23
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. (NJ)

request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX under the account number ( XXXX ) opened XX/XX/year>. This account have resulted in fraudulent chargeoff appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned charge off accounts as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-05-23
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: NAVY FEDERAL CREDIT UNION (CA)

In XXXX of XXXX I notified the companies of the inaccuracy. After being notified of my credit score in XXXX, I again notified the companies of the inaccurate accounts, it is still reporting as of XXXX XXXX.
Consumer complaint received 2023-03-28
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AES/PHEAA (MD)

In XXXX, I began my education at XXXX XXXX University. By spring of XXXX, I was experiencing some family issues that caused me to fall back in all my classes. Due to these personal issues not being resolved by summer of that year, I decided not to attend classes in the fall semester. I never received any refund nor did I attend any classes that fall. So I was under the impression as a young naive student at the time ; that the loans had been closed and I would be dropped from classes before the drop period. I would eventually officially withdraw from XXXX XXXX in spring of XXXX, without attending any classes that whole academic year. I was out of school for a while but eventually defaulted on my loans and refinanced in XXXX. I have been on an income driven payment plan since, up until the pandemic. During the time, I decided to go back to school to finish my courses and attain a XXXX XXXX at University XXXX Maryland XXXX XXXX. Upon receiving my transcript for transfer from XXXX XXXX, I noticed I had all XXXX grades for the fall of XXXX. It confused me because I never attended lectures and had assumed I would be dropped if I was not in attendance for class before drop period ended. This meant I was charged for classes I did not take in the fall of XXXX. This would also equally mean my loan has been maturing on an inaccurate principle. So I disputed this with the credit companies after failed attempts to speak to a XXXX XXXX financial advisor via phone call. I did not receive any reply but noticed after a month or so the loan was now being reported as closed on my credit. I assumed it was sorted out. The interest has grown over the years and the loan amount has now doubled. A few months ago, without notice, the loan reappeared on my credit report. This caused me to be quite confused. I am reporting this incident to see how I can proceed to get the correct documentation proving that I attended college at XXXX XXXX University the fall of XXXX and that the current loan amount is as it should be. Absent this proof, I am requesting that my loan be reviewed for a possible correction so that I am not paying what I do not owe. I am also requesting that the credit agencies provide, if possible their result of my initial investigation that I filed in XXXX, and an explanation of why the debt was removed then added again without explanation.
Consumer complaint received 2023-04-18
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. (NY)

as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this 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 receipt. 
account details below Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Flexible spending credit card Credit Card - XXXX XXXX XXXX XXXX Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$7400.00} {$7400.00} {$7400.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$8200.00} {$0.00} {$7400.00} Credit Limit : {$8000.00} {$8000.00} {$0.00} Past Due : {$7400.00} {$7400.00} {$7400.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation (SC)

I previously submitted a complaint against Heights finance on XX/XX/XXXX. That complaint was closed but I didnt get to address the additional inaccuracies based off response the company provided. 

The company stated that they charged off mine and my spouses loan account on XX/XX/XXXX and subsequently sent to collections with XXXXXXXX XXXX  XXXX offices who we also hve submitted a complaint on. 
Subsequently by definition means forwarded to collections after it was charged off however we have court documents dated XX/XX/XXXX filed by XXXXXXXX XXXX XXXX  on behalf of heights as the law firm. And dated on XX/XX/XXXX they submitted an affidavit for attorney fees again in that document it states Law firm for heights. 

We hve been repeatedly sued for default judgements because of the tactics XXXX XXXX XXXX uses to ensure no show appearances which we even have documented proof for that now as well. 
Heights has 2 amounts reported on credit bureaus {$940.00} and {$1500.00} for balances when charged off but court documents filed on behalf of heights by XXXX XXXX XXXX reflect different amounts. We hve actually paid this debt off but still cant get documentation from XXXX XXXX XXXX who continues to garnish and claims havent received payments from clerks office but clerks record shows paid in full. 
Since heights stated they gave cranes office account for collections but XXXX XXXX XXXX is filing and garnishing on behalf of heights which deters from the separation of the two places we require better answers and credit reports to be updated or at this point remove. We are prepared to pursue legal action at this point since continued garnishments and misinformation being provided by heights and XXXX XXXX