davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

The account was closed without notice. We were only informed that this was a thing because of an email on XX/XX/XXXX stating the account was under XXXX dollars. This triggered me to called as I had over XXXX in this account. 

They stated they mailed us but the letter was sent to an address that I do not live at. I was also not told via email to look out for a letter or any other method of contact. There are multiple ways of contact they could have used. 

I called and my mother called and asked what happened. We were informed that BOA closed it and was mailing a check out for the amount that was in the account at the time of closure. Which was in the range of a little over XXXX. On XX/XX/XXXX a check was sent via XXXX  but it never made it to me. XXXX  has since marked the package as damaged/missing and it was destroyed. On XXXX I called BOA to address this with them and they stated to contact XXXX  as it was their problem now but BOA wouldn't be able to run a new check until it is returned or a 120 days has passed. BOA did confirm with me that the check was never cashed and XXXX  as confirmed with me and sent an alert to BOA that it was damaged but yet BOA refuses to reissue a check. So now I am out XXXX for the next 120 days. I found BOA to be less than helpful as they could verify the check hasn't been cashed and could easily reissue a check for that is rightfully my own money. They should have never closed that account and it is frustrating that they did and now I am worried how i will be able to pay some upcoming bills that were put aside into this account. I was also told that only a paper check could be sent. In a world of digital transactions, it is very annoying that they couldn't do a ACH transfer into my account at XXXX XXXX if I am to verify my identity as an account holder on both my own XXXX Bank but also the BOA account that was closed.
Consumer complaint received 2024-02-01
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. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-25
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX, # XXXX Has violated my rights XXXX XXXX, Has Violated my rights XXXX XXXX, Has violated my rights 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
Consumer complaint received 2023-10-25
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. (DE)

I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.
Consumer complaint received 2024-02-01
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. (NC)

Account being reported to my consumer credit report as an installment loan with XXXX XXXX XXXX XXXX. I have no knowledge of this account, have never done any banking with XXXX XXXX XXXX XXXX have never had a loan with XXXX XXXX XXXX XXXX No one has provided any evidence of any account with XXXX XXXX XXXX XXXX under my name.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

XXXX is Also Refusing to Re-Investigate According to15 U.S.code 1681a & b Theres no written consent.. Nor is this account reporting consistently across the major 3 Credit Reporting agencies XXXX XXXX XXXX XXXX XXXX is reporting Unknown as a description of my payment history and has changed history that doesnt show consistency.. Please Explain how history is unknown..for it is not a reporting Status
Consumer complaint received 2024-02-01
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)

I am writing to file a complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy has been violated. 

On XXXX23, I notified XXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud of other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 

Additional, I would appreciate regular updates on the progress of this investigation and any actions taken to address violations committed by XXXX XXXX XXXX  Please feel free to contact me at XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Consumer complaint received 2023-10-25
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. (FL)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

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 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Consumer complaint received 2024-02-01
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. (MS)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-02-18
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Strategic Financial Solutions, LLC (IL)

I started working with Strategic Consulting in XX/XX/2023 after receiving a mailer regarding help with debt consolidation. They offered me help through a law group called XXXX XXXX which would work with my credit cards to lower my payments and interest. I had to sign paperwork with a notary that came to my office and set up a payment plan directly through my bank. However after 3 months my credit card companies were never contacted. My credit is being destroyed and no one from Strategic or XXXX XXXX have responded to me. I have so far paid them {$2200.00} and can not get any answers.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/2023 I deposited a work check, I received and email stating that the check was accepted, however it noted that all funds would be held until XX/XX/2023. No other explanation about as to why. I went to log into my account and it said they have accepted the check but havent collected the funds from the other bank ( XXXX XXXX XXXX ). I called and the first representative said that funds would be available by the following day. The next day I had no funds from my work check in my account. I called and had an employee pick up the call but mistakenly didnt realize it and spent the next 20 or so minutes having an entire full conversation of their personal life with someone in the background, I have the entire call recorded! The representative finally hung up on me without taking my call. I call back several times to speak to a specialist to see about them releasing the hold on my check and they refused saying they first could not reach anyone and then I needed to call back the following Monday. I called back today ( Monday ) and get told that I must wait until XX/XX/XXXX to see about the funds being released and questioning the validity of the check. I told them they already confirmed they accepted the check via email, so there was no reason to hold the funds for verification if it shows already stamped. They told me they would release the funds to get me off the phone and never did. I told them over the phone that the federal law says that they had to make available a portion of the check under the Expedited Funds Availability Act and the banking supervisor says that their policy supersedes the federal law. I told him that he is incorrect and to show me the policy stating they withhold the checks for how long ever the bank determines and he would not email it to me. I told him I have the print out of what the Chase Bank says on their website about releasing {$220.00} while check verification is ongoing. He still refused to acknowledge this, saying they would not release the check funds.
Consumer complaint received 2024-06-22
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. (FL)

I am initiating a dispute and investigation because these accounts are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am owed {$1000.00} for each error. FCRA 605B stipulates that any inaccurate accounts on a consumer 's report must be reported.
Consumer complaint received 2024-02-16
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. (FL)

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 Number : XXXX and list of Inquiries. 


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 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently paid on time for this account, and it's disheartening to face issues for something I haven't done. Please rectify my account urgently and remove any incorrect information that's causing me undue stress.
Consumer complaint received 2024-01-24
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. (IA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act, the following list of accounts are in violation of my FEDERALLY PROTECTED consumer RIGHTS to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXXXXXX XXXX XXXX XXXX account number ending in XXXX XXXX ) 15 U.S.C 1681 SEC 602 ( A ) States I have a RIGHT to Privacy. 2 ) 15 U.S.C 1681 SEC 604 ( A ) SEC ( 2 ) : States a consumer reporting agency CAN NOT furnish an account without my written instructions. 3 ) 15 U.S.C 1681c. ( A ) SEC ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 4 ) 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 consumer knows or has reasonable cause to believe that the information is inaccurate. These items must be DELETED immediately and a rapid re-score is requested. I have written to all of these agencies multiple times especially XXXX XXXX XXXX asking them in writing to please validate this debt with a copy of any signed original contracts or agreement with in 30 days. I have not received anything from them. Ive even called all 3 major credit reporting agencies and still have had no action on their part. Ive put a fraud alert on my social security number. Ive submitted proof that I filed a fraud report and they have refused to remove these items that are not mine. All they are doing is calling me nonstop since Ive sent them a written dispute with updated information.
Consumer complaint received 2024-06-04
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. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. am I seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (TX)

As XXXX Spoke to XXXX XXXX from credit acceptance She stated that I would be mail a copy of the sign contract. Now I went ahead and call the XXXX XXXX dealer and recorded the conversation and XXXX stated that they move and had no original contract. 
So again I want to re force the invitation on this complaint. What you have on your email isn't my signature for the credit application, if you need proof of the conversation, please feel free to call me. I also recorded XXXX XXXX. 
Again, this is Fraud.
Consumer complaint received 2024-06-04
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)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Consumer complaint received 2024-07-30
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. (GA)

I have contacted and disputed multiple times with XXXX XXXX XXXX  and they have continuously violated my consumer rights. They continuously report on my credit report without ever putting my account into dispute status, also not properly verifying the account per the FCRA. This account has continuously been verified without providing any method of verification. Now, I have disputed once again through the XXXX  and they have responded that they my account has been recalled by the original creditor, meaning that they no longer have my account and shouldnt be trying to coooect anything from me nor should they be reporting on my credit report but yet they still remain on my credit report and are still reporting. I demand that this account be deleted IMMEDIATELY. I have attached the necessary documentation to back my claim and also the response from XXXX XXXX XXXX 

Thank you, XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Timely payments have always been maintained on this account, and they have never been late. I am puzzled by the late payment remarks reported on my accounts. Per 15 USC 1666b, the billing error should be addressed.
Consumer complaint received 2024-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (OR)

Dear Sirs : I wish to bring your kind attention to the enclosed documents for my safety deposit boxes at Wells Fargo XXXX location, XXXX. 

I have been your long term customer for last XXXX  years. You can verify on top of both the safety deposit Boxes agreement, XXXX XXXX Manager of Wells Fargo signed stating that the boxes are given to us for free for life so long as we have our accounts with the Bank. 
We went through different store Managers, at this location, XXXX XXXX, XXXX and other XXXX, who have been reversing the box fees. The fee was first charged and then removed as per the explanation given to us by all previous managers ( an arrangement required for the banks paperwork sake ). 

I have been in communication with Wells Fargo business line of communication executive office and I am not getting anywhere and there is no understanding after producing proof of free boxes by your Manager.

I would really appreciate your offices help and getting this issue fixed asap and we should not be charged for these two safety boxes so long we bank with Wells Fargo.

Awaiting to hear from your office soon. Please make sure that the charges levied towards the boxes have been removed and hereafter we do not have to encounter any further issue in future with the new store managers at this location.

We have been your customer and we would like to continue doing business with your bank unless we are forced to leave due to poor customers service. 

Appreciate your taking valuable time in going through the documents. 

Thanking you, XXXX XXXX