davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (KY)

I was scammed by a person or persons who agreed to let me pay a partial deposit for a dog then backed out of the agreed pick up date for the pet. The person stated they would refund the {$500.00} deposit paid through CashApp, but ultimately they blocked me and did not respond to my request for reimbursement. A CashApp representative did not open an investigation and simply told me the app is not designed to be used to pay for goods and services.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

My name is XXXX XXXX XXXX, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S.Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S.Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In if, general after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete item or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file bf the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
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: DISCOVER BANK (CA)

I have issues with keeping my credit score up because of an unknown Discover Bank Account in which Im somehow and authorized user, yet I have no access to the said account nor do I know who it belongs to. I reached out to people I couldve thought Itd be but none of them said it was there account. I need to be removed from this account I dont know who it belongs to or have any access to.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I had received a lump some of money from an investor that invested into my small business and some how my account was compromise because someone hacked into my account and tried to make an transaction and I believe that the Bank of America believe that I knew about the fraudulent attempt and when I tried to log into my account I couldn't because they locked my account, so I called the Bank of America and they transferred me to their risk team department and remind you all this was happening while I was at work, so one member of the risk team told me that I had to go into the Bank of America in person, so I did that following Monday and I also passed the risk team questions as well and they still decided to closed my account out, which they sent me a refund of a hundred dollars and something, so I called them and I talked to a lady and she looked at my account and said that the rest of my money is placed on hold because it's being investigated and when it clears, then they will send it out and it's not a time frame because the higher department doesn't tell them anything. My problem with the Bank of America is that they are holding my money and that they never texted me or called me about any fraud activities that they identified on my account because I had to call them and I have fraud alerts on as well, so I am wanting my money!
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 — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (IN)

I have the American Express Optima Card, which I am thankful for. I received the card after paying the balance of my American Express Hilton card ending in XXXX, albeit it was after the fact. About one month after receiving my card, I started dialoguing with American Express 's Credit Bureau Department about removing the " paid chargeoff '' account that has numerous errors. On two separate occasions, not one but TWO representatives confirmed that the old account would be removed from the report both because of the errors and as a courtesy, stating that American Express believes in helping people who make their accounts whole with them again. To this day, American Express has not kept their word in removing the older account, and I want them to uphold their promise to remove that account ending in XXXX.
Consumer complaint received 2024-06-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (LA)

So I have two loans. 
One to repay XXXXXXXX XXXX for a check they lost and another for the last XXXX XXXX. To avoid issue, I asked my financial aid advsior to fill out my paperwork. She either accidentally or on purpose, chose the option for interest repayment in school. I thought everything was fine. Well, in XXXX, I get a notification that I have a payment due. I was not entirely sure why, so I called. They explained it to me, I told them I didnt fill out my own form so maybe they need to reverse the decision or get into touch with the school. Well, that never happened. They put me in a repayment program and moved on. I called at least once or twice a month since then to get an update on the investigation. However, when I called back I received a different answer everytime. The final time I called was on XXXX XXXX when a representative told me she would follow up with me that following Monday. That following Monday came and she did not call back. I gave it a week and she didnt call. So I assumed she was busy and she would get back to me within 2 weeks. Well, 2 weeks turned into 2 months. XXXX XXXX XXXX XXXX XXXX XXXX, so time slipped from me. Now, they are telling me I owe {$480.00} and theres nothing they can do about repayment options or fixing anything. Even though THEY were the ones who did not call me back. Today, I was on the phone with several different agents. XXXX had consistent answers. At this point, I just want to refinance or something. Sallie Mae should be held responsible for their inconsistent, unprofessional business practices.
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: DISCOVER BANK (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
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: DISCOVER BANK (NY)

Mutiple inquires on my credit report from XXXX, XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX total inquries ). I also have XXXX accounts on my credit report XXXX Discover card opened in my name in 2005 when I was XXXX XXXX XXXX, XXXX account for XXXX XXXX  XXXX that had a {$630.00} charge with a credit limit of {$250.00} All of this activity Is identity theft, I did not approve any of this activity. I have frozen my credit, filed a fraud affidavit with the FTC, will file a police report, have a credit monitoring service that has opened a investigation.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Credit Systems, L.P. (MI)

On XX/XX/year> I received a notice from Southwest Credit System , L.P. stating that I had owed them. I respectfully asked them to show me an original contract that showed that I had taken into a contract with this company. I sent them by certified mail return receipt a questionnaire as well as a letter not refusing to pay if they could show me. To no avail they kept sending old copies of a contract that was taken with them nor did they complete my questionnaire. I actually gave them the time allowed by the FCDP and FCRA. I sent them three ( 3 ) notices in which I have attached here within. They ignored all three ( 3 )
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I closed my account on XX/XX/XXXX. I did not receive any confirmation so I called Capital One to confirm and inquire about my {$200.00} deposit. I was told that if I called back on XX/XX/XXXX I could request a paper check be mailed to me ( this is the only method they seem to have for issuing refunds ). I called today ( XX/XX/XXXX ) and was told to call back in 3-5 days and request the paper check again. I was also told that if I had never called to request a refund ( because I asked about this ), in 6 months a refund would have been issued. I CAN NOT IMAGINE THIS IS ALL LEGAL>
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CT)

In the past 6-7 months, I have discovered fraudulent accounts and credit cards opened in my name, several other inquiries into my credit not made by me, and a debt collection balance not belonging to me. 

In XXXX 2023, I became aware of potential identity theft and fraud. I have reported most of these attempts as fraud to the specific companies, and I have seemingly shut down all accounts opened in my name. 

1. I noticed someone trying to sing in to my bank account several times. I reported this to my bank and have since changed the username and password.

2. I received mail regarding a Costco Citi credit card in my name with over {$1300.00} spent. I reported this as fraud and the account was closed.

3. I received a call from a XXXX  ( XXXX  ) regarding an overdue payment. I reported this as fraud and the account was closed 4. I received mail regarding a failed attempt to open a credit card at Home Depot in my name. 
5. I received mail regarding a failed attempt to open a credit card at XXXX  in my name Following these events, I filed at FTC Fraud report, specifically naming the Costco credit card ( {$1300.00} balance ) and the XXXX  account created ( unknown balance ). I also generated a Credit Report using XXXX. On my Credit Report, I discovered 2 phone numbers associated with my account that were not mine, I found what seem to several other attempts to create accounts or credit cards, and I found a balance with a debt collector. None of these inquiries or balances belong to me. 

1. The following phone numbers were associated with my account despite neither belonging to me. I disputed both numbers and had XXXX remove them. 
( XXXX ) XXXX ( XXXX ) XXXX XXXX. I still see inquiries made by XXXX  ( XXXX time ), XXXX XXXX ( 3 times ), XXXX  ( XXXX time that is fraudulent ), XXXX  ( XXXX time ), XXXX ( XXXX time ), and Syncblowes PLCC ( XXXX time ). I am not able to dispute these inquiries. 
XXXX. I also found a balance of {$10000.00} with XXXX XXXX XXXX, debt initially owed to XXXX XXXX XXXX. I disputed this line item, and XXXX removed it. 

I have attached the FTC report and the two credit reports ( one with the false phone numbers and {$10000.00} debt balance, and one report after they were removed ).
Consumer complaint received 2023-05-03
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. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FM XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX ( XXXX XXXX : XXXXXXXX XXXX XXXX ) XXXX XXXX : {$780.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$590.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX {$510.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

-Received a call from Capital One about suspicious activities from my account related to XXXX XXXX. 
- I explained to the agent that those are transactions are from friends and family. 
- Agent asked that I provide a contact number for one of the people that sent me money via XXXX, and I replied that I can not do that for obvious privacy reasons. 
-Spoke with a supervisor and stated the same thing. 
XXXX informed me that the banking relationship will have to end which I said I am ok with. 
-Asked the supervisor when I can get access to my account to transfer my funds and she stated that she does not have a timeframe. 
-It is unacceptable that the bank can hold my funds and not tell me when I can have access to them. 
-While I understand the purpose of the verification, It is not my responsibility to provide other people information to the bank just like the bank will not give me other people contact info if I call them and ask. 
-It is unconscionable for the bank to freeze my funds when no fraud has been reported on it. 
-What am I supposed to do in the meantime. Put my life on hold when I can't access my funds for my daily expenses? 
-Access to my funds is needed as soon as possible.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/year>, I opened a bank account with Ally bank. I asked for {$5000.00} to be transferred to the account. I waited for the test deposits and started funding my account on XX/XX/XXXX. I saw that my account balance was at {$0.00}, so I set up a {$5000.00} transfer and for $ XXXX recurring transfer. Today ( XXXX ) I got a phone call letting me know that I had accidentally set up XXXX transfers, and that they could not stop the second transfer on their end. They told me that there has been an ongoing problem with double transfers because you dont get a notice that the first transfer has been approved. I asked what theyre doing about it. The first person I spoke to, XXXX, said she didnt know. The second person I spoke to, XXXX, said theres nothing they can do. He said its been a problem for at least 10 years. I asked why they arent informing customers that this is an ongoing problem, he said that I wasnt the first person to suggest that and that he would pass it along. I wonder if they leave the problem in place to intentionally make customers transfer more funds
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau (UT)

Knight Adjustment Bureau is trying to collect a debt from me but has not provided additional information about the debt. 

I have never done business with KAB and not sure why they are trying to harass me about the debt. 

KAB failed to provide the following information about the debt : 1. The account number associated with the debt ( if any ) 2. An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date 3. The current amount of the debt when the notice is provided 4. Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

I logged into my credit report and came across a collection which was from Lvnv funding llc, I never opened an account with XXXX XXXXXXXX in XX/XX/year> so I was a victim of identity fraud. Under 15 USC 1681 I never gave any written consent to furnish my information or obtain my information XXXX XXXXXXXX XXXX sold my information to LVNV Funding LLC.
Consumer complaint received 2023-04-24
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. (IL)

Experian is reporting an illegal public record. Report XXXX  XXXX claims this was certified via XXXX XXXX 

I find myself enraged, considering on XX/XX/23, XXXX XXXX certified to the CFPB that no Bankruptcy records are showing on my file.
Consumer complaint received 2024-06-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (AZ)

Forgive my loans by law, removing interest, and principal for my employment meeting requirements of working for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, following suit with legislation. The only thing that happened was getting deferment until 2025, that is not student loan forgiveness for a first XXXX XXXX meeting requirements for working at XXXXXXXX XXXX XXXX  CASE, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (CT)

I was one of the customers that had brought a XXXX XXXX XXXX from US auto sales in XX/XX/XXXX, Im making payment on my loan and gap insurance, Then in XX/XX/XXXX I saw on the news that US auto sales had close down abruptly .I called the number that i usually call no answer until about XX/XX/XXXX I was transferred to a debt Collector XXXXXXXX XXXX.I then sent out a prove of debt they sent me back with paperwork with the wrong information of a letter and wrong account number.So my car was repo in XXXX XXXX have on my credit report a writeoff closed account but, I have reach out numerous times but was unable to find and given knowledge of what next to do.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.