davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (NJ)

My US Bank checking account was open in XX/XX/XXXX and was closed in a week. US Bank claimed there was fraudulent activity in my account. US Bank also claimed they contacted me " numerous times '' in XX/XX/XXXX about the fraudulent activities and I didn't get back to them which is why they closed the account. I swear to XXXX this is a complete lie! US Bank did contact me once in XX/XX/XXXX and I called them back right away to verify all the information they requested. I was also promised everything was fine with the account but the account was closed days later and my US Bank online sign-on was revoked. The only activities I did before my account was closed was sending trial deposit from my other bank accounts XXXX XXXX Bank and XXXX XXXX ). There was XXXX fraudulent activity. Despite multiple calls with US Bank, they couldn't reinstate my account. 

I opened a XXXX of XXXX account with US Bank on XX/XX/XXXX. The account was approved and I was able to fund the account during the application process. When I tried to set up online banking for my CD account, I was told I couldn't sign up for online banking because my online sign-on ( the checking account from XXXX ) was revoked. The XXXX account in XXXX is a completely different account from the checking account in XXXX. I don't understand why I couldn't use online banking for the account. Can someone please assist? I just want to use online banking for my CD account that's already opened. 

Thank you!
Consumer complaint received 2024-06-02
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. (NY)

XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, PA XXXX Dear XXXX : I am writing to dispute several unauthorized inquiries that appeared on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. 
The following inquiries were made without my knowledge or consent : XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX  XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX CA XX/XX/XXXX I did not authorize these companies to access my credit report, nor did I initiate any transactions that would warrant a credit inquiry from them. These unauthorized inquiries could negatively impact my credit score and must be removed immediately.

According to the FCRA ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of any disputed items within 30 days of receiving this letter. If the disputed information is found to be inaccurate, incomplete, or can not be verified, you must promptly delete or modify the item ( s ) as appropriate.

Please provide me with the results of your investigation and a copy of the updated credit report within the 30-day timeframe mandated by the FCRA. If you fail to comply with the FCRA 's requirements, I reserve the right to pursue further legal action. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2023-09-19
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)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  **** Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$390.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$6.00} XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX  XXXX Balance Owed : {$28000.00}
Consumer complaint received 2019-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

with this company. In additionally, I have sent in a copy of my police report to XXXX, TransUnion, and XXXX. I have disputed these items with these companies over and over again. The fraudulent items are : XXXX XXXX : Reported Balance $ XXXX Fraudulent item : XXXX XXXX XXXX Reported Balance {$3.00}, XXXX Fraudulent item XXXX : Reported Balance {$410.00} Fraudulent item Never heard of this company and have disputed this item before and required proof of document with sign. 
XXXX XXXX XXXX CLOSED ) : Reported {$560.00} -Fraudulent item- Account has been proven fraud and removed according your company response to last complain # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX CLOSED ) SAME ACCOUNT ABOUT WITH DIFFERENT REPORTING BALANCE : REPORTED BALANCE : {$920.00} ; FRAUDULENT ITEM. This account has been proven fraud by your company in before complaint ; however, it is listed on my credit report. Previous report number is : Your response : XXXX  has been proven fraud by your company however, it is still listed on my credit report. Reporting Balance : {$7000.00} :, XXXX XXXX XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX. ). The complaint report number XXXX # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : ) XXXX have been deleted. 

XXXX : Reported Balance {$1100.00} Fraudulent item Never open this account. 

The collection account XXXX XXXX : Reporting Balance $ XXXX This item doesnt belong to me. The original company reporting it is XXXX XXXX XXXX. I was never treated by this company. The person it belongs to had insurance and it was billed. 

Please do you due diligent and removed these fraudulent items from my credit report. This is causing harm to your future in purchasing and getting a career I desire. I have sent in a police report and you still have these items on my report. Also, you guys have items which have been proven fraud by XXXX, Transunion, and XXXX listed on my report. 
Please remove incorrect personal informant XXXX : Name : XXXX XXXX. My name is only XXXX XXXX. 
I ASKED BEFORE TO REMOVE FRAUDLUENT INQUIRY WHICH ARE INQUIRY I DONT HAVE AN ACCOUNT WITH. THANKS ALL COMPANY.
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. (MA)

A collection is being reported on my credit profile under the name of XXXX XXXX XXXX. I have attempted to have them validated their debt but to no avail. The company has not attempted to reach out which violates all laws regarding debt collecting. I don't recognize this said account.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One : I am writing to formally dispute inaccurate information reported on my credit report by Capital One. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and correction of this collections account. If the information can not be verified, it must be deleted promptly. I am disputing the validity of this debt in its entirety. The collections account in question is reported by Capital One and appears on my credit report with the following details : reported on XX/XX/XXXX, with a balance of {$460.00}. The account is listed as " Closed '' with a status of " In Collections/Charge-off. '' The account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. The remarks include " Charged off as bad debt '' and " Canceled by credit grantor. '' I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from Capital One, as required by FCRA Section 809 ( b ) ( Validation of Debts ). According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is a discrepancy in the reported balance and credit limit. The balance of {$460.00} is shown as 156 % of my accounts limit, which is not accurate or reasonable. Additionally, the account shows a past-due amount of {$460.00}, which does not align with my records. The presence of this incorrect collections account and charge-off status is negatively impacting my creditworthiness. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Therefore, I am requesting that you review all recent statements and payment records associated with this collections account, including the most recent credit report. The balance, account status, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (CA)

I have a letter from XXXX XXXXXXXX XXXX stating that they had a cyber attack on XX/XX/year>. My information was stored in the data so somebody was able to hack into my phone and use my digital banking and make fraudulent transactions. I tried contacting the bank multiple times to issue me a refund and I supplied Documents, supporting my claim along with the identity, theft report and the letter from the healthcare department and they refuse to refund my money US federal law states every debit card holder is authorized to provide provisional credit until then investigation is completed and they have not done so
Consumer complaint received 2024-08-01
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. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the remove of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (IN)

I have multiple purchases that the merchant charged me for that I didnt receive product for. In some cases I was double charged. I discovered this after a couple of purchases and after going back thru my account with the merchant and trying to fix it with them I filed 62 disputes from the last 60 days with cash ap. They sent denials almost immediately but when I asked for documentation to why it had been denied ( the merchant even agreed there were discrepancies and credited one of my disputed charges back immediately- one cash app denied and showed as a valid charge ) which proved to me they did not investigate their disputes. They have made it impossible to communicate, escalate my case, send a generic email and then close the escalation saying they havent heard from me, even after I attempt every day, multiple times, reply to the emails, with no response. The only documentation they have sent me is on 1 charge where they sent proof I was charged but nothing else. That is apparently their documentation. They also bully and harrass their customers threatening to close their account if they dispute a charge, which they did close my account in this case. Making it harder to look at your history or dispute. Their dispute process is not transparent and in many cases I believe they do not even investigate, just deny to get around providing the provisional credit.
Consumer complaint received 2024-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (FL)

Where is this debt coming from i dont know? I dont owe any money. Ive contacted the collection agencies, and they cant find me in their system. Im very distressed that they havent removed me from the credit report. I need help to resolve this and stop the harassment from these agencies over money I dont owe. 

Agency Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX Phone Number : XXXX XXXX ( XXXX ) ( XXXX XXXX ) Note XXXX ( XXXX XXXX is working on the case, and I provided them with screenshots, but they still couldnt find me in their system. )
Consumer complaint received 2024-08-01
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. (NJ)

Tonight, I discovered inaccurate accounts appearing on my credit report, and I have no clue why. My regular check revealed these discrepancies out of the blue. I tried refreshing the page, thinking it might be a browser error, but the incorrect accounts persisted. Because of this problem, I ask for a detailed examination of the documents I've provided so I can avoid such worries in the future.
Consumer complaint received 2024-08-01
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: Experian Information Solutions Inc. (NY)

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Delete this information immediately!
Consumer complaint received 2024-08-20
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I was supposed to get an XXXX card from Bank of America back during Covid time so around XXXX the card was sent to my mothers old address which has been vacant since XXXX  but anyways before my mother moved I was the first to move out I moved in with my son mother during that time and was kind of house jumping all over anyways fast forward not only didnt I get my card but all the money was spent on the card I had made MULTIPLE disputes about the matter and I keep getting denied I sent in documents stating that I had moved didnt get the card etc and still nothing all Bank of America has did was sent me through hoops and gave me the turn around so much that Im frustrated upset mad I cant describe how I feel and to make the matter worse they tried to send me {$21.00} for transaction fee I didnt even do Im not happy and {$21.00} is an slap in the face when I lost and missing out on a lot of MY money! I want it all back not {$21.00}
Consumer complaint received 2024-08-07
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 am writing to formally dispute the reporting of an XXXX XXXX account on my TransUnion credit report. This account was sent to collections and shared without my knowledge or consent. The unauthorized sharing of my personal information and the subsequent collection actions constitute a violation of my privacy and consumer rights. I demand the immediate removal of this account from my credit report and request a thorough investigation into these actions. 

Issue Identified The XXXX XXXX account reported on my TransUnion credit report was sent to collections without my consent. I did not authorize the sharing of my personal information with any third parties, nor did I authorize any collections actions related to this account. 

Violations and Impact The unauthorized sharing of this account and the collection actions taken violate my rights under the Fair Credit Reporting Act ( FCRA ). This unauthorized action has caused significant distress and potential damage to my credit profile. The presence of this collection account on my report negatively impacts my credit score and overall financial standing.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The inclusion of this unauthorized collection account violates this standard.

2. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate or unauthorized. 
3. Right to Privacy : The unauthorized sharing of my personal information without my consent constitutes a breach of my privacy rights, including the protection of sensitive information from unauthorized disclosure.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I open a business account with citizen bank since XX/XX/year> and I received money from some checks to my account to a do business but the bank close my account and hold the money since that day and the people they send me money they want there money back and every time they told me we gon na send the money back an a week or two but now its been almost 3 months
Consumer complaint received 2024-08-01
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

XXXX Credit acceptance, account charged off on XX/XX/XXXX. XXXX  XXXX, charged off, currently under dispute XX/XX/XXXX. XXXX XXXX XXXX account closedXXXX. 
Credit acceptance, repossessed, XX/XX/XXXX, under dispute and past due as of XX/XX/XXXX, never mine. XXXX XXXX  XXXX XX/XX/XXXX, resold to another company during XXXX pandemic, under dispute due qualification of loan forgiveness, deferred and reported as past due as of XX/XX/XXXX. XXXX XXXX XXXX, collection opened XX/XX/XXXX, account in collection as XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, account charged off. XXXX XXXX XXXX, XX/XX/XXXX, account not mine, in collections with balance of {$1600.00} as of XX/XX/XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX, account in collections {$460.00}, does not belong to me. there are also XXXX XXXX XXXX evictions listed on my public record due to being a working nurse during global pandemic. attached is FTC report